{"took":502,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9056,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12385182","_score":13.987471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against [ Credit Bureaus : Experian, Equifax, TransUnion ] and collection agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and outdated information on my credit report. Despite my disputes, these violations persist, causing financial harm. \n\nBelow, I outline the specific issues and violations for each account : XXXX. XXXX Account XXXX : XXXX... \n\nRecent Balance : {$2600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies, violating your right to an accurate credit report.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2600.00} ) and status ( \" charged off '' ) are inconsistent and misleading. The creditor failed to ensure the accuracy of the information reported.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed.\n\nUnfair Practices : The creditor continues to report a past-due balance of {$2600.00}, even though the debt was written off. This is misleading and unfair to consumers. \n\nXXXX. XXXXXXXX XXXX  Account XXXX : XXXX... \n\nRecent Balance : {$7200.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$7200.00} written off as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : The creditor failed to address disputes regarding the charged-off status and balance, leaving inaccurate information on your credit report.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$7200.00} ) and status ( \" charged off '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$7200.00}, even though the debt was written off. This is misleading and unfair to consumers. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX... \n\nRecent Balance : {$2900.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$2900.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2900.00} ) and status ( \" collection account '' ) are inconsistent and misleading. \n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$2900.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1000.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( \" collection account '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$1000.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$1700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1700.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1700.00} ) and status ( \" collection account '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$1700.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Closed. {$2900.00} written off. \n\nViolations : FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( 0 ) and status ( \" closed '' ) are inconsistent with the writtenoff amount ( XXXX ). \n\nFCRA 605 Failure to Update Information : The account remains marked as \" closed '' with a written-off balance without proper validation or correction. \n\nUnfair Practices : The creditor continues to report a written-off balance of {$2900.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$3300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. XXXX written XXXX past due as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$3300.00} ) and status ( \" charged off '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed.\n\nUnfair Practices : The creditor continues to report a past-due balance of XXXX, eventhough XXXX was written off. This is misleading and unfair to consumers. \n\nResolution Requested I request that the CFPB take the following actions : Investigate the creditors for FCRA and FDCPA violations. \n\nRequire the creditors to correct the inaccuracies on my credit report. \n\nEnsure that the creditors conduct proper investigations of my disputes. \n\nHold the creditors accountable for any violations of consumer protection laws. \n\nProvide me with compensation for the harm caused by these violations, including emotional distress and any financial losses. \n\n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to address these violations and protect my rights as a consumer. Please contact me at XXXX if you require additional information. \n\nSincerely, XXXX XXXX Requested Resolution : Immediate deletion of all inaccurate and unverifiable accounts. \nA full investigation into the compliance of the furnishers with FCRA laws. \nCompensation for any damages caused due to these reporting violations.","date_sent_to_company":"2025-03-10T04:39:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07306","tags":null,"has_narrative":true,"complaint_id":"12385182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T04:39:06.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Violations : FDCPA 809 <em>Failure</em> to Validate Debt : The creditor failed to provide <em>proper</em> validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( \" collection <em>account</em> '' ) are inconsistent and misleading.\n\nFCRA 605 <em>Failure</em> to <em>Update</em> <em>Information</em> : The <em>account</em> remains marked as \" past due '' without <em>proper</em> validation or correction, even after disputes were filed."]},"sort":[13.987471,"12385182"]},{"_index":"complaint-public-v1","_id":"12385180","_score":13.987471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against [ Credit Bureaus : Experian, Equifax, TransUnion ] and collection agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and outdated information on my credit report. Despite my disputes, these violations persist, causing financial harm. \n\nBelow, I outline the specific issues and violations for each account : XXXX. XXXX Account XXXX : XXXX... \n\nRecent Balance : {$2600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies, violating your right to an accurate credit report.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2600.00} ) and status ( \" charged off '' ) are inconsistent and misleading. The creditor failed to ensure the accuracy of the information reported.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed.\n\nUnfair Practices : The creditor continues to report a past-due balance of {$2600.00}, even though the debt was written off. This is misleading and unfair to consumers. \n\nXXXX. XXXXXXXX XXXX  Account XXXX : XXXX... \n\nRecent Balance : {$7200.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$7200.00} written off as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : The creditor failed to address disputes regarding the charged-off status and balance, leaving inaccurate information on your credit report.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$7200.00} ) and status ( \" charged off '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$7200.00}, even though the debt was written off. This is misleading and unfair to consumers. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX... \n\nRecent Balance : {$2900.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$2900.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2900.00} ) and status ( \" collection account '' ) are inconsistent and misleading. \n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$2900.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1000.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( \" collection account '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$1000.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$1700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1700.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1700.00} ) and status ( \" collection account '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$1700.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Closed. {$2900.00} written off. \n\nViolations : FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( 0 ) and status ( \" closed '' ) are inconsistent with the writtenoff amount ( XXXX ). \n\nFCRA 605 Failure to Update Information : The account remains marked as \" closed '' with a written-off balance without proper validation or correction. \n\nUnfair Practices : The creditor continues to report a written-off balance of {$2900.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$3300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. XXXX written XXXX past due as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$3300.00} ) and status ( \" charged off '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed.\n\nUnfair Practices : The creditor continues to report a past-due balance of XXXX, eventhough XXXX was written off. This is misleading and unfair to consumers. \n\nResolution Requested I request that the CFPB take the following actions : Investigate the creditors for FCRA and FDCPA violations. \n\nRequire the creditors to correct the inaccuracies on my credit report. \n\nEnsure that the creditors conduct proper investigations of my disputes. \n\nHold the creditors accountable for any violations of consumer protection laws. \n\nProvide me with compensation for the harm caused by these violations, including emotional distress and any financial losses. \n\n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to address these violations and protect my rights as a consumer. Please contact me at XXXX if you require additional information. \n\nSincerely, XXXX XXXX Requested Resolution : Immediate deletion of all inaccurate and unverifiable accounts. \nA full investigation into the compliance of the furnishers with FCRA laws. \nCompensation for any damages caused due to these reporting violations.","date_sent_to_company":"2025-03-10T04:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07306","tags":null,"has_narrative":true,"complaint_id":"12385180","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-10T04:39:06.000Z","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":["Violations : FDCPA 809 <em>Failure</em> to Validate Debt : The creditor failed to provide <em>proper</em> validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( \" collection <em>account</em> '' ) are inconsistent and misleading.\n\nFCRA 605 <em>Failure</em> to <em>Update</em> <em>Information</em> : The <em>account</em> remains marked as \" past due '' without <em>proper</em> validation or correction, even after disputes were filed."]},"sort":[13.987471,"12385180"]},{"_index":"complaint-public-v1","_id":"12385215","_score":13.975431,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against [ Credit Bureaus : Experian, Equifax, TransUnion ] and collection agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and outdated information on my credit report. Despite my disputes, these violations persist, causing financial harm. \n\nBelow, I outline the specific issues and violations for each account : XXXX. XXXX Account XXXX : XXXX... \n\nRecent Balance : {$2600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies, violating your right to an accurate credit report.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2600.00} ) and status ( \" charged off '' ) are inconsistent and misleading. The creditor failed to ensure the accuracy of the information reported.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed.\n\nUnfair Practices : The creditor continues to report a past-due balance of {$2600.00}, even though the debt was written off. This is misleading and unfair to consumers. \n\nXXXX. XXXXXXXX XXXX  Account XXXX : XXXX... \n\nRecent Balance : {$7200.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$7200.00} written off as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : The creditor failed to address disputes regarding the charged-off status and balance, leaving inaccurate information on your credit report.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$7200.00} ) and status ( \" charged off '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$7200.00}, even though the debt was written off. This is misleading and unfair to consumers. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX... \n\nRecent Balance : {$2900.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$2900.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2900.00} ) and status ( \" collection account '' ) are inconsistent and misleading. \n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$2900.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1000.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( \" collection account '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$1000.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$1700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1700.00} past due as of XX/XX/XXXX. \n\nViolations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1700.00} ) and status ( \" collection account '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" past due '' without proper validation or correction, even after disputes were filed. \n\nUnfair Practices : The creditor continues to report a past-due balance of {$1700.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Closed. {$2900.00} written off. \n\nViolations : FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( 0 ) and status ( \" closed '' ) are inconsistent with the writtenoff amount ( XXXX ). \n\nFCRA 605 Failure to Update Information : The account remains marked as \" closed '' with a written-off balance without proper validation or correction. \n\nUnfair Practices : The creditor continues to report a written-off balance of {$2900.00} without providing proper validation or documentation. \n\nXXXX. XXXX XXXX Account XXXX : XXXX... \n\nRecent Balance : {$3300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. XXXX written XXXX past due as of XX/XX/XXXX. \n\nViolations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$3300.00} ) and status ( \" charged off '' ) are inconsistent and misleading.\n\nFCRA 605 Failure to Update Information : The account remains marked as \" charged off '' without proper validation or correction, even after disputes were filed.\n\nUnfair Practices : The creditor continues to report a past-due balance of XXXX, eventhough XXXX was written off. This is misleading and unfair to consumers. \n\nResolution Requested I request that the CFPB take the following actions : Investigate the creditors for FCRA and FDCPA violations. \n\nRequire the creditors to correct the inaccuracies on my credit report. \n\nEnsure that the creditors conduct proper investigations of my disputes. \n\nHold the creditors accountable for any violations of consumer protection laws. \n\nProvide me with compensation for the harm caused by these violations, including emotional distress and any financial losses. \n\n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to address these violations and protect my rights as a consumer. Please contact me at XXXX if you require additional information. \n\nSincerely, XXXX XXXX Requested Resolution : Immediate deletion of all inaccurate and unverifiable accounts. \nA full investigation into the compliance of the furnishers with FCRA laws. \nCompensation for any damages caused due to these reporting violations.","date_sent_to_company":"2025-03-10T04:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07306","tags":null,"has_narrative":true,"complaint_id":"12385215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-10T03:37:10.000Z","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":["Violations : FDCPA 809 <em>Failure</em> to Validate Debt : The creditor failed to provide <em>proper</em> validation of the debt, violating your right to dispute and verify the debt.\n\nFCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( \" collection <em>account</em> '' ) are inconsistent and misleading.\n\nFCRA 605 <em>Failure</em> to <em>Update</em> <em>Information</em> : The <em>account</em> remains marked as \" past due '' without <em>proper</em> validation or correction, even after disputes were filed."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.975431,"12385215"]},{"_index":"complaint-public-v1","_id":"21381797","_score":13.858683,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding USCB XXXX for failure to properly validate a debt and continuing to report and update the account without providing sufficient verification. \n\nOn or around XX/XX/year>, I sent a formal debt validation request to this company requesting documentation to support the alleged debt. This included a request for the original contract or agreement, an itemized breakdown of the balance, and proof of the companys legal authority to collect. \n\nThe company failed to provide adequate validation. The information provided did not meet the standard required to verify the debt. \n\nDespite this, the company proceeded to update the account on my credit report on or around XX/XX/year>. \n\nThis constitutes continued collection activity and inaccurate reporting without proper validation. \n\nUnder the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector is required to provide sufficient validation and report accurate, verifiable information. \n\nBy updating this account without proper validation, the company is reporting information that is not fully verified and may be inaccurate. \n\nThis has negatively impacted my credit profile. \n\nI am requesting that this account be immediately deleted from all credit reporting agencies due to failure to validate and inaccurate reporting. \n\nI am also requesting documentation showing how this account was verified, including the method of verification used. \n\nContinued reporting without proper validation may constitute a violation of federal law, and I am prepared to pursue further action if this matter is not resolved.","date_sent_to_company":"2026-04-19T05:24:29.000Z","issue":"False statements or representation","sub_product":"Private student loan debt","zip_code":"48125","tags":null,"has_narrative":true,"complaint_id":"21381797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"USCB Corporation","date_received":"2026-04-19T05:02:19.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["By <em>updating</em> this <em>account</em> without <em>proper</em> validation, the company is reporting <em>information</em> that is not fully verified and may be inaccurate. \n\nThis has negatively impacted my credit profile. \n\nI am requesting that this <em>account</em> be immediately deleted from all credit reporting agencies due to <em>failure</em> to validate and inaccurate reporting. \n\nI am also requesting documentation showing how this <em>account</em> was verified, including the method of verification used."]},"sort":[13.858683,"21381797"]},{"_index":"complaint-public-v1","_id":"10080962","_score":13.802629,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : XXXX XXXX XXXX  : XXXX  is updating my credit report with Activity : XXXX XXXX XXXX ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of \" verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. \nXXXX XXXX : XXXX XXXX continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. \nXXXX XXXX : XXXX XXXX sent a letter stating that they \" do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. \nXXXX : XXXX has XXXX my account to XXXX XXXX XXXX , yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. \nGeneral Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. \nActions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. \nI have requested verification and documentation from the creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). \nThese companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.","date_sent_to_company":"2024-09-10T01:02:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02026","tags":null,"has_narrative":true,"complaint_id":"10080962","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-10T00:43:42.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They are using outdated and inaccurate credit statements as their means of \" verifying '' the <em>account</em>, rather than providing <em>proper</em> documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the <em>account</em> <em>information</em>. \nXXXX XXXX : XXXX XXXX continues to <em>update</em> my credit report with inaccurate <em>information</em>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.802629,"10080962"]},{"_index":"complaint-public-v1","_id":"10072588","_score":13.793019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : Portfolio Recovery Associates : Portfolio is updating my credit report with Activity : Grid Code G ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of \" verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. \nXXXX XXXX : XXXX XXXX continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. \nXXXX XXXX : XXXX XXXX sent a letter stating that they \" do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. \nFingerhut/WebBank : XXXX has sold my account to XXXX XXXX XXXX XXXX yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. \nGeneral Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. \nActions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. \nI have requested verification and documentation from the creditors, including XXXX XXXX XXXX, First Access, First Premier, and Fingerhut/WebBank, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). \nThese companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.","date_sent_to_company":"2024-09-10T01:02:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02026","tags":null,"has_narrative":true,"complaint_id":"10072588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-10T01:02:30.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the <em>account</em> <em>information</em>. \nXXXX XXXX : XXXX XXXX continues to <em>update</em> my credit report with inaccurate <em>information</em>. They have not provided <em>proper</em> documentation to verify the validity of the <em>account</em>, yet they keep <em>updating</em> the tradeline with false <em>information</em>. The <em>account</em> should have been deleted due to improper verification, but it continues to affect my credit report."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.793019,"10072588"]},{"_index":"complaint-public-v1","_id":"10080672","_score":13.778155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : Portfolio Recovery Associates : Portfolio is updating my credit report with Activity : Grid Code G ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of \" verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. \nFirst Access : First Access continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. \nXXXX XXXX : XXXX XXXX sent a letter stating that they \" do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. \nFingerhut/WebBank : XXXX has sold my account to XXXX XXXX XXXX XXXX yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. \nGeneral Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. \nActions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. \nI have requested verification and documentation from the creditors, including XXXX XXXX XXXX, First Access, First Premier, and Fingerhut/WebBank, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). \nThese companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.","date_sent_to_company":"2024-09-10T01:02:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02026","tags":null,"has_narrative":true,"complaint_id":"10080672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-10T01:02:30.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the <em>account</em> <em>information</em>. \nFirst Access : First Access continues to <em>update</em> my credit report with inaccurate <em>information</em>. They have not provided <em>proper</em> documentation to verify the validity of the <em>account</em>, yet they keep <em>updating</em> the tradeline with false <em>information</em>. The <em>account</em> should have been deleted due to improper verification, but it continues to affect my credit report."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.778155,"10080672"]},{"_index":"complaint-public-v1","_id":"18489589","_score":13.767325,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting a complaint regarding inaccurate, incomplete, and unverifiable information being reported by Navy Federal Credit Union on my credit report. \n\nThis account is an auto loan that is currently reported as a chargeoff with a balance of {$6700.00}. The account continues to report derogatory information and update monthly despite the lack of proper verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). \n\nI previously disputed this account and requested verification. However, Navy Federal Credit Union has failed to provide complete documentation proving the accuracy, completeness, and legal obligation of this debt. Despite this failure, the account continues to be reported in a manner that is misleading and harmful. \n\nSpecific issues with this account include : Failure to provide proper verification Continued reporting of a chargedoff balance Inaccurate and incomplete account information Ongoing reporting without proof of accuracy","date_sent_to_company":"2026-01-06T05:28:35.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"18489589","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-06T04:36:21.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Specific issues with this <em>account</em> include : <em>Failure</em> to provide <em>proper</em> verification Continued reporting of a chargedoff balance Inaccurate and incomplete <em>account</em> <em>information</em> Ongoing reporting without proof of accuracy"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[13.767325,"18489589"]},{"_index":"complaint-public-v1","_id":"17366403","_score":13.684473,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding Midland Credit Management ( MCM ) for inaccurate reporting and failure to provide proper debt validation. \n\nMCM is reporting an account allegedly purchased from XXXX ( Account # XXXX ) in the amount of {$3500.00}. The information they are furnishing to XXXX  contains multiple inaccuracies, including : Reporting the entire balance as a past due amount, which is not applicable to collection accounts Inconsistent dates for status updated and balance updated Reporting inaccurate Terms : XXXX Month not applicable to a debt buyer Failure to provide verification of the debt, ownership, or chain of assignment Failure to provide documentation from XXXX proving the account is mine I sent Midland a written request for validation pursuant to the FDCPA ( 15 U.S.C. 1692g ), but they have not provided documentation proving the accuracy of the debt, any agreement bearing my signature, or proof of legal ownership.\n\nDespite this, Midland continues to report the debt to XXXX, which constitutes : Failure to properly validate the debt Furnishing inaccurate information in violation of the FCRA Continuing collection activity without validation I am requesting CFPB assistance to : 1. Require Midland to provide full documentation validating the alleged debt, OR 2. Require Midland to remove/delete the inaccurate account from all credit bureaus 3. Ensure Midland ceases reporting unverifiable or incorrect information I am seeking correction of the reporting and proper compliance with both the FCRA and FDCPA. \n\nThank you. \nXXXX XXXX","date_sent_to_company":"2025-11-19T18:30:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36117","tags":null,"has_narrative":true,"complaint_id":"17366403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-11-19T18:11:29.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The <em>information</em> they are furnishing to XXXX  contains multiple inaccuracies, including : Reporting the entire balance as a past due amount, which is not applicable to collection <em>accounts</em> Inconsistent dates for status <em>updated</em> and balance <em>updated</em> Reporting inaccurate Terms : XXXX Month not applicable to a debt buyer <em>Failure</em> to provide verification of the debt, ownership, or chain of assignment <em>Failure</em> to provide documentation from XXXX proving the <em>account</em> is mine I sent Midland a written request for"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[13.684473,"17366403"]},{"_index":"complaint-public-v1","_id":"17843133","_score":13.607972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"disputed this account with the credit bureaus because the information being reported is inaccurate. The furnisher has re-aged the account by updating dates that do not match the original Date of First Delinquency ( DOFD ). The balance history and the delinquency timeline do not make sense and do not match the original records. \n\nAfter I disputed the information, the furnisher and the bureaus updated the tradeline with incorrect dates and amounts instead of providing proper verification. This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ) and a failure to conduct a reasonable investigation under FCRA 611. \n\nI am requesting that the furnisher provide the original DOFD, documentation supporting the dates and balance information they are reporting, and correct or delete all inaccurate information. If they can not validate the data with proper documentation, the account should be removed entirely.","date_sent_to_company":"2025-11-24T14:03:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"316XX","tags":null,"has_narrative":true,"complaint_id":"17843133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-11-24T13:53:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["disputed this <em>account</em> with the credit bureaus because the <em>information</em> being reported is inaccurate. The furnisher has re-aged the <em>account</em> by <em>updating</em> dates that do not match the original Date of First Delinquency ( DOFD ). The balance history and the delinquency timeline do not make sense and do not match the original records. \n\nAfter I disputed the <em>information</em>, the furnisher and the bureaus <em>updated</em> the tradeline with incorrect dates and amounts instead of providing <em>proper</em> verification."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.607972,"17843133"]},{"_index":"complaint-public-v1","_id":"15064906","_score":13.570795,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed an account reported by Regional Acceptance Corporation because the account contained inaccurate, outdated, and unverifiable information. Instead of properly investigating and verifying the account as required by the Fair Credit Reporting Act ( FCRA ), Regional Acceptance updated and re-reported the account with new and modified information, which was different from the original data, without any proper explanation or documentation of verification.\n\nAdditionally, the account was not marked as in dispute during the investigation, which is a direct violation of FCRA 623 ( a ) ( 3 ). This omission misleads creditors and lenders by making it appear as if the data is accurate and uncontested which it is not.\n\nRegional Acceptances conduct potentially constitutes : Failure to conduct a proper investigation under FCRA 611 Failure to report the account as disputed under FCRA 623 ( a ) ( 3 ) Re-aging of the account or material misrepresentation of data Continuing to report incomplete and inaccurate information","date_sent_to_company":"2025-08-05T02:34:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71112","tags":null,"has_narrative":true,"complaint_id":"15064906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-08-05T02:25:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Regional Acceptances conduct potentially constitutes : <em>Failure</em> to conduct a <em>proper</em> investigation under FCRA 611 <em>Failure</em> to report the <em>account</em> as disputed under FCRA 623 ( a ) ( 3 ) Re-aging of the <em>account</em> or material misrepresentation of data Continuing to report incomplete and inaccurate <em>information</em>"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[13.570795,"15064906"]},{"_index":"complaint-public-v1","_id":"12816994","_score":13.499459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIAN REGARDING INACCURATE ACCOUNTS. THE FCRA STATES THAT CONSUMER REPORTING AGENCIES SHALL ENSURE MAXIMUM ACCURACY WHEN COMPILING AND FURNISHING CONSUMER REPORTS. ( 15 USC 1681 EB ) EXPERIAN HAS FAILED TO CONDUCT A REASONABLE INVESTIGATION AND CONTINUES TO FURNISH INACCURATE NEGATIVE INFORMATION TO MY CONSUMER REPORT. THIS IS CAUSING HARM TO MY CREDIT WORTHINESS, REPUTATION, AND ABILITY TO OBTAIN CREDIT FOR HOUSEHOLD, FAMILY, AND PERSONAL USE. EXPERIAN IS WILLFULLY AND NEGLIGENTLY FURNISHING NEGATIVE INFORMATION, AFTER I HAVE GIVEN ADEQUATE NOTICE. \nTHE FOLLOWING NEGATIVE ACCOUNTS ARE UNLAWFULLY BEING REP ORTED ON MY CONSUMER REPORT. \n\nXXXX ACCT XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B XXXX XXXX -- XXXX # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) XXXX -- - ACCT # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) ALSO TH ELAST UPDATE IS XXXX XXXX. ANOTHER VIOLATION OF THE FCRA ( FURNISHERS MUST DO BUSINESS IN AN ORDINARY AND REGULAR CAPACITY ) THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XXXX BUT EXPERIAN CLAIMS IT WAS UPDATED IN XXXX ( SEE RESULTS FROM CONSUMER REPORT ) FETTI XXXX -- -- ACCT # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) ANOTHER VIOLATION OF THE FCRA ( FURNISHERS MUST DO BUSINESS IN AN ORDINARY AND REGULAR CAPACITY ) THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XX/XX/XXXX BUT EXPERIAN CLAIMS IT WAS UPDATED IN XXXX ( SEE RESULTS FROM CONSUMER REPORT ) NO DATE FROM XXXX XXXX UNTIL XXXX XXXX THEN NOTHING. \n\nXXXX XXXXXXXX XXXX -- -ACCT # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ). ALSO A BANKING RULESN VIOLATION. CREDITORS MUST WAIT 180 DAYS TO CHARGE OFF A CREDIT CARD ACCOUNT. ( NOT XXXX ) ANOTHER VIOLATION OF THE FCRA ( FURNISHERS MUST DO BUSINESS IN AN ORDINARY AND REGULAR CAPACITY ) THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XX/XX/XXXX. BUT EXPERIAN CLAIMS IT WAS UPDATED IN XXXX ( SEE RESULTS FROM CONSUMER REPORT ) XXXX XXXX XXXXXXXX # XXXX ( AMOUNT OWED {$690.00} ) LAST UPDATED XXXX XXXX. CONSUMER VIOLATION OF UNORDINARY REPORTING. ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) XXXX WAS RECENTLY SUED BY THE CFPB AND FOUND TO BE IN GRAVE VIOLATION OF THE FCRA. XXXX MAKES IT AN ORDINARY PRACTICE TO FURNISH INACCURATE INFORMATION. \nTHE FOLLOWING SIX ACCOUNTS ALL HAVE THE SAME ACCT # XXXX {$2800.00} XXXX {$3300.00} XXXX {$1200.00} XXXX {$1700.00} XXXX {$2600.00} XXXX {$140.00} ALL THE ACCOUNTS LISTED ABOVE GO FROM ON TIME IN XXXX OF XXXX TO 90 DAYS LATE XX/XX/XXXX AND 120 DAYS LATE XX/XX/XXXX. \n\nTHIS IS CLEARLY INACCURATE. I MUST BE 30, 60 DAYS LATE BEFORE 90. THE CONSUMER REPORT MUST REPORT ACCURATE INFORMATION PER 15 USC 1681EB. ALSO THE ACCOUNT HAS NOT BEEN UPDATED BY THE FURNISHER SINCE XX/XX/XXXX. \n\nXXXX -- -- ACCT # XXXX THE LAST UPDATE WAS XX/XX/XXXX BUT EXPERIAN VERIFIES THIS ACCOUNT AS REPORTING ACCURATE. THIS IS NOT MY DEBT AND I DO NOT OWE THIS. \nREMOVE FROM ACCOUNT. \n\nTHIS IS MY THIRD AND FINAL ATTEMPT TO REMEDY THESE GRAVE INACCURACIES BEFORE INITIATING LITIGATION PURSUANT TO 15 USC 1681N AND 15 USC 1681O. \n\nALSO PLEASE REMOVE ALL NAMES EXCEPT FOR MY GIVEN NAME XXXX XXXX XXXX. \n\nREMOVE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX I ONLY HAVE ONE ADDRESS. THOSE ARE NOT MY ADRESSES.","date_sent_to_company":"2025-04-04T20:17:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"12816994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-04T19:42:25.000Z","state":"SC","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":["XXXX ACCT XXXX ( <em>FAILURE</em> TO SEND <em>PROPER</em> DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B XXXX XXXX -- XXXX # XXXX ( <em>FAILURE</em> TO SEND <em>PROPER</em> DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) XXXX -- - ACCT # XXXX ( <em>FAILURE</em> TO SEND <em>PROPER</em> DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) ALSO TH ELAST <em>UPDATE</em> IS XXXX XXXX."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.499459,"12816994"]},{"_index":"complaint-public-v1","_id":"12944121","_score":13.253488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have done multiple disputes with XXXX to resolve the inaccurate reporting of my credit report and the inflated balance of the account despite multiple garnishments of my state tax returns. I have received contradicting information from XXXX that does not support the current balance. XXXX has failed to conduct a proper investigation into my CRA disputes and failed to update my reports accurately in violation of the Fair Credit Reporting Act ( FCRA ). I have also disputed the inaccurate reporting of this account directly with Experian Information Solutions multiple times, and they have also failed to conduct a proper investigation into my disputes. The failure to conduct a proper investigation into a consumer 's dispute is a violation of the Fair Credit Reporting Act.","date_sent_to_company":"2025-04-11T14:37:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48108","tags":null,"has_narrative":true,"complaint_id":"12944121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-11T14:36:58.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have also disputed the inaccurate reporting of this <em>account</em> directly with Experian <em>Information</em> Solutions multiple times, and they have also failed to conduct a <em>proper</em> investigation into my disputes. The <em>failure</em> to conduct a <em>proper</em> investigation into a consumer 's dispute is a violation of the Fair Credit Reporting Act."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.253488,"12944121"]},{"_index":"complaint-public-v1","_id":"11879378","_score":13.238991,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I previously disputed inaccurate accounts and personal information with TransUnion and requested verification under the Fair Credit Reporting Act ( FCRA ). TransUnion failed to conduct a proper investigation, verified accounts as accurate without providing the legally required Method of Verification ( MOV ), refused to delete unverified accounts, and updated account information without my permission. \n\nXXXX. Failure to Conduct a Proper Investigation Violation of FCRA 611 ( a ) ( 1 ) TransUnion did not conduct a reasonable investigation into my dispute. Instead of thoroughly reviewing the evidence I provided, they simply marked my accounts as verified as reported without any explanation. \nAn investigation under the FCRA requires more than just contacting the furnisher. It must ensure that the information is accurate, complete, and verifiable. TransUnion failed to meet this requirement. \nXXXX. Failure to Provide a Proper Method of Verification ( MOV ) Violation of FCRA 611 ( a ) ( 7 ) I specifically requested the MOV for the accounts TransUnion claimed to have verified, yet they did not provide it. \nTransUnion is required to disclose the specific source of verification, including : Who they contacted What documentation was used to verify the accounts How the disputed information was found to be accurate Instead of providing this legally required information, TransUnion only provided the creditors name and address, which does NOT constitute an adequate MOV under the FCRA. \nXXXX. Failure to Ensure Maximum Possible Accuracy Violation of FCRA 607 ( b ) The accounts that TransUnion \" verified '' contain inconsistent and conflicting information compared to XXXX and XXXX. \nInconsistencies include : Different balances and payment histories across bureaus Different Dates of First Delinquency ( DOFDs ) Accounts showing different charge-off dates and removal dates FCRA 607 ( b ) requires TransUnion to ensure the highest level of accuracy in reporting. These discrepancies prove that TransUnion did not verify my accounts correctly. \nXXXX. Failure to Delete Unverified Information Violation of FCRA 611 ( a ) ( 5 ) If a credit bureau can not properly verify an account, it must be deleted. \nInstead of deleting these accounts, TransUnion \" updated '' certain fields without proving their accuracy. \nFCRA 611 ( a ) ( 5 ) requires deletion of unverifiable information, and TransUnions refusal to do so is a clear violation of the law. \nXXXX. Updating Accounts Without My Permission Violation of FCRA 611 ( a ) ( 5 ) ( C ) TransUnion updated account details without my authorization or proof of verification, which is unlawful. \nUpdating an account after a dispute does not resolve inaccuraciesit confirms that the initial data was incorrect. \nThis manipulation of account data without my consent is further proof of TransUnions failure to conduct a lawful investigation.\n\nRecent CFPB Enforcement Actions Against TransUnion Support My Case In 2023, the CFPB fined TransUnion {$23.00} million for violating the FCRA by failing to properly investigate consumer disputes and continuing to report inaccurate information. \nTransUnions mishandling of my dispute follows the same pattern of unlawful behavior that the CFPB has already penalized them for.","date_sent_to_company":"2025-01-31T08:00:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"11879378","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T05:49:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I previously disputed inaccurate <em>accounts</em> and personal <em>information</em> with TransUnion and requested verification under the Fair Credit Reporting Act ( FCRA ). TransUnion failed to conduct a <em>proper</em> investigation, verified <em>accounts</em> as accurate without providing the legally required Method of Verification ( MOV ), refused to delete unverified <em>accounts</em>, and <em>updated</em> <em>account</em> <em>information</em> without my permission. \n\nXXXX."]},"sort":[13.238991,"11879378"]},{"_index":"complaint-public-v1","_id":"11747506","_score":13.143675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against Experian for failing to conduct a proper investigation of a disputed account reported by XXXX XXXX XXXX ( Account Number : XXXX  ) on my credit report. Despite disputing the inaccuracies in the payment history of this account, Experian falsely claimed that the information was verified as accurate and retained the disputed account on my report.\n\nSummary of Inaccuracies : The following details regarding the XXXX XXXX XXXX account are inconsistent and inaccurate : Account Name : XXXX XXXX XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Closed. {$5700.00} written off. \nStatus Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Original Balance : {$7000.00} Terms : 36 months Inaccurate Payment History : Charge-Offs reported for XX/XX/XXXX and XX/XX/XXXX, despite the account already being closed.\n\nLate payments reported as : 90 days past due in XXXX XXXX 60 days past due in XXXX XXXX 30 days past due in XX/XX/XXXX These dates are inconsistent and fail to align with the accounts stated status and balance updates. Both XXXX and XXXX, upon my dispute, found the account unverifiable and promptly removed it from my consumer report. Experian, however, has maintained this inaccurate account and failed to provide any documentation to validate its decision. See the attached document for proof of the inaccurate information.\n\nReference to CFPB Lawsuit Against Experian : This behavior aligns with issues raised in the CFPBs recent lawsuit against Experian, which highlights the companys systemic failure to handle consumer disputes properly. As CFPB Director XXXX XXXX stated : When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. Credit reporting errors can have serious consequences for a familys finances, and it is critical that credit reporting giants follow the law.\n\nExperian, one of the three largest credit reporting conglomerates, maintains information on most families in America. Yet, its failure to comply with the Fair Credit Reporting Act ( FCRA ) by conducting sham investigations leaves inaccurate information on credit reports, threatening consumers access to credit, employment, and housing.\n\nExperians Failure to Investigate : Experians actions demonstrate a clear failure to meet their legal obligations under the FCRA : Lack of Adequate Investigation : Experian did not conduct a proper review of the documentation I provided to dispute the inaccuracies.\n\nFailure to Validate Information : Experian has not provided any documentation or evidence validating the accounts payment history or status.\n\nUncritical Deference to Furnishers : Experian appears to rely solely on the furnishers ' responses without independently verifying the information or considering consumer-submitted documentation.\n\nRequest for CFPB Assistance : I respectfully request the CFPBs intervention in this matter. Specifically, I ask that the CFPB : Investigate Experians handling of my dispute and their failure to comply with the FCRA.\n\nRequire Experian to either validate the XXXX XXXX account with proper documentation or remove it from my credit report entirely.\n\nImpose corrective measures, including civil penalties, to ensure Experians compliance with federal law and proper consumer dispute investigation practices.","date_sent_to_company":"2025-01-21T23:12:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33319","tags":null,"has_narrative":true,"complaint_id":"11747506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T23:04:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experians <em>Failure</em> to Investigate : Experians actions demonstrate a clear <em>failure</em> to meet their legal obligations under the FCRA : Lack of Adequate Investigation : Experian did not conduct a <em>proper</em> review of the documentation I provided to dispute the inaccuracies.\n\n<em>Failure</em> to Validate <em>Information</em> : Experian has not provided any documentation or evidence validating the <em>accounts</em> payment history or status."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.143675,"11747506"]},{"_index":"complaint-public-v1","_id":"7473070","_score":13.094972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1994 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) that have adversely affected my financial standing and overall well-being. I am seeking your assistance in enforcing my legal rights and rectifying the ongoing issues that have arisen due to these violations. \n\nAccount with Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nAccount with Creditor : XXXX  Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nAccount with Creditor : XXXX Account Number : XXXX Violated Laws : 15 USC 1666B ( Fair Credit Billing Act ) and FCRA Section 623 ( a ) ( 1 ) ( C ) Violation : Billing error in reporting and failure to accurately report account status. \nAccount with Creditor : XXXX XXXX  Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nAccount with Creditor : XXXX XXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nThese violations have not only disrupted my financial stability but have also taken an emotional toll on me and my family. I'd like to share a personal story to highlight the impact of these violations on my life. \nIn light of the multiple violations outlined above, I kindly request your intervention to enforce my legal rights and ensure that these inaccurately reported accounts are promptly removed from my credit report. It is my sincere hope that your involvement will lead the creditors responsible to correct their actions and relieve the burden they have placed upon me. \n\nThank you for your time, attention, and dedication to upholding consumer rights. I look forward to a resolution that not only rectifies the violations but also helps me rebuild my financial foundation and regain a sense of security. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-08-26T00:04:33.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"85302","tags":null,"has_narrative":true,"complaint_id":"7473070","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-26T00:02:33.000Z","state":"AZ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Account</em> with Creditor : XXXX  <em>Account</em> Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of <em>account</em> <em>information</em>, improper reinsertion of <em>information</em>, <em>failure</em> to provide <em>proper</em> notice, <em>failure</em> to <em>update</em> <em>account</em> <em>information</em>, and more."]},"sort":[13.094972,"7473070"]},{"_index":"complaint-public-v1","_id":"7467329","_score":13.094972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1994 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) that have adversely affected my financial standing and overall well-being. I am seeking your assistance in enforcing my legal rights and rectifying the ongoing issues that have arisen due to these violations. \n\nAccount with Creditor : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nAccount with Creditor : XXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nAccount with Creditor XXXX XXXX Account Number : XXXX Violated Laws : 15 USC 1666B ( Fair Credit Billing Act ) and FCRA Section 623 ( a ) ( 1 ) ( C ) Violation : Billing error in reporting and failure to accurately report account status. \nAccount with Creditor : XXXX XXXX Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nAccount with Creditor : XXXX XXXX  Account Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of account information, improper reinsertion of information, failure to provide proper notice, failure to update account information, and more. \nThese violations have not only disrupted my financial stability but have also taken an emotional toll on me and my family. I'd like to share a personal story to highlight the impact of these violations on my life. \nIn light of the multiple violations outlined above, I kindly request your intervention to enforce my legal rights and ensure that these inaccurately reported accounts are promptly removed from my credit report. It is my sincere hope that your involvement will lead the creditors responsible to correct their actions and relieve the burden they have placed upon me. \n\nThank you for your time, attention, and dedication to upholding consumer rights. I look forward to a resolution that not only rectifies the violations but also helps me rebuild my financial foundation and regain a sense of security. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-08-26T00:00:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"85302","tags":null,"has_narrative":true,"complaint_id":"7467329","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-25T23:50:07.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Account</em> with Creditor : XXXX <em>Account</em> Number : XXXX Violated Laws : FCRA Section 605A, FCRA Section 611, FCRA Section 623 ( a ) ( 1 ) ( A ), FCRA Section 623 ( a ) ( 2 ), FCRA Section 623 ( a ) ( 4 ), FCRA Section 623 ( a ) ( 5 ), FCRA Section 623 ( a ) ( 8 ) Violation : Inaccurate reporting of <em>account</em> <em>information</em>, improper reinsertion of <em>information</em>, <em>failure</em> to provide <em>proper</em> notice, <em>failure</em> to <em>update</em> <em>account</em> <em>information</em>, and more."]},"sort":[13.094972,"7467329"]},{"_index":"complaint-public-v1","_id":"2535360","_score":13.093357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..","date_sent_to_company":"2017-06-18T04:36:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"2535360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-06-18T04:36:41.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Even after I sent them the <em>information</em> I received from the company they have to verify the <em>information</em> in which they place on my report. Due to lack of <em>proper</em> investigation, <em>failure</em> to verify properly and poor communication, I am requesting that all of the  XXXX  <em>accounts</em> be removed from all   XXXX    bureaus.."]},"sort":[13.093357,"2535360"]},{"_index":"complaint-public-v1","_id":"2535361","_score":13.09232,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..","date_sent_to_company":"2017-06-18T04:36:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"2535361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-06-18T04:10:56.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Even after I sent them the <em>information</em> I received from the company they have to verify the <em>information</em> in which they place on my report. Due to lack of <em>proper</em> investigation, <em>failure</em> to verify properly and poor communication, I am requesting that all of the  XXXX  <em>accounts</em> be removed from all   XXXX    bureaus.."]},"sort":[13.09232,"2535361"]},{"_index":"complaint-public-v1","_id":"12943925","_score":12.97607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have done multiple disputes with Gateway to resolve the inaccurate reporting of my credit report and the inflated balance of the account despite multiple garnishments of my state tax returns. I have received contradicting information from Gateway that does not support the current balance. Gateway has failed to conduct a proper investigation into my CRA disputes and failed to update my reports accurately in violation of the Fair Credit Reporting Act ( FCRA ). I have also disputed the inaccurate reporting of this account directly with XXXX XXXX XXXX multiple times, and they have also failed to conduct a proper investigation into my disputes. The failure to conduct a proper investigation into a consumer 's dispute is a violation of the Fair Credit Reporting Act.","date_sent_to_company":"2025-04-11T14:37:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48108","tags":null,"has_narrative":true,"complaint_id":"12943925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GFS II, LLC","date_received":"2025-04-11T14:16:14.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have also disputed the inaccurate reporting of this <em>account</em> directly with XXXX XXXX XXXX multiple times, and they have also failed to conduct a <em>proper</em> investigation into my disputes. The <em>failure</em> to conduct a <em>proper</em> investigation into a consumer 's dispute is a violation of the Fair Credit Reporting Act."]},"sort":[12.97607,"12943925"]},{"_index":"complaint-public-v1","_id":"16831370","_score":12.948981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After my previous dispute, Equifax updated the XXXX XXXX XXXXXXXX account XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but the underlying reporting errors remain unresolved. \n\nEquifax modified the account remarks while the item was still under dispute, without providing any original documentation from the original creditor XXXX XXXX XXXX XXXXXXXX ) or legal authorization to alter the account during an active dispute. \nThis action is improper and potentially unlawful, as changes can not be made to disputed information without proper verification or documentation from the furnisher. \n\nThe fact that Equifax updated remarks but left the same factual inconsistencies including conflicting dates and contradictory status ( Paid / Closed {$0.00} balance vs. Late XXXX  Days ) demonstrates that no proper reinvestigation or verification of records took place.\n\nThis behavior may violate : FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 611 failure to conduct a reasonable reinvestigation and provide proper verification","date_sent_to_company":"2025-10-27T04:34:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33015","tags":null,"has_narrative":true,"complaint_id":"16831370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-27T04:22:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This behavior may violate : FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 611 <em>failure</em> to conduct a reasonable reinvestigation and provide <em>proper</em> verification"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[12.948981,"16831370"]},{"_index":"complaint-public-v1","_id":"12442282","_score":12.945628,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The results of a recent credit investigation conducted by Experian regarding a charged-off account reported on my credit file. The investigation was not completed accurately, and I did not receive proper verification of this account as required under the Fair Credit Reporting Act ( FCRA ). \n\nDespite my request, Experian failed to provide original documentation from the original creditor verifying the accuracy of this charge-off. Instead, the account was updated as a charge-off once again without furnishing any proof to support the claim. This practice is both misleading and a violation of federal law. \n\nFCRA Violations & Request for Removal Lack of Proper Verification FCRA 609 ( 15 U.S.C. 1681g ) I requested full documentation proving the validity of this charge-off, including the original creditor agreement and payment history. \nExperian failed to provide this yet still updated the file. If proper verification can not be provided, the account must be deleted immediately. \nInaccurate & Misleading Reporting FCRA 611 ( 15 U.S.C. 1681i ) A charge-off is a one-time event, yet Experian is updating it monthly, making it appear as ongoing delinquency. This is misleading and damaging to my credit profile. \nI demand immediate removal or proper correction of this account.\n\nFailure to Ensure Accurate Reporting FCRA 623 ( 15 U.S.C. 1681s-2 ) The furnisher is legally required to provide accurate and complete information to Experian. \nIf Experian is updating this charge-off without verifying its accuracy, it is failing in its duty to maintain correct records. \nSecurity & Accuracy Concerns Due to Experians Data Breach Given Experians recent consumer data breach, I have serious concerns regarding the accuracy and security of my credit file. \nAs Experians security failure has compromised consumer information, I demand heightened verification standards before any negative information is updated. \nFinal Request & Next Steps If Experian can not verify this charge-off with full, original documentation, I demand its immediate removal from my credit file. \n\nI expect a response within 30 days as required by the FCRA. If this dispute is not properly investigated, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). \n\nPlease provide written confirmation of the resolution to my dispute.","date_sent_to_company":"2025-03-12T21:05:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"12442282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T20:49:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If <em>proper</em> verification can not be provided, the <em>account</em> must be deleted immediately. \nInaccurate & Misleading Reporting FCRA 611 ( 15 U.S.C. 1681i ) A charge-off is a one-time event, yet Experian is <em>updating</em> it monthly, making it appear as ongoing delinquency. This is misleading and damaging to my credit profile. \nI demand immediate removal or <em>proper</em> correction of this <em>account</em>."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[12.945628,"12442282"]},{"_index":"complaint-public-v1","_id":"2535358","_score":12.939198,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..","date_sent_to_company":"2017-06-18T04:36:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"2535358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-06-18T04:36:41.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Even after I sent them the <em>information</em> I received from the company they have to verify the <em>information</em> in which they place on my report. Due to lack of <em>proper</em> investigation, <em>failure</em> to verify properly and poor communication, I am requesting that all of the  XXXX  <em>accounts</em> be removed from all   XXXX    bureaus.."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[12.939198,"2535358"]},{"_index":"complaint-public-v1","_id":"12125730","_score":12.896955,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite sending multiple dispute letters and filing several CFPB complaints, Experian has failed to properly investigate my disputes and continues to report inaccurate and misleading information on my credit file. Additionally, I have not received an updated credit report via mail as required under the FCRA. \n\nUpon reviewing my credit report through XXXX, I discovered that Experian has reinserted accounts that were included in my bankruptcy, reporting them as negative. This is a direct violation of FCRA reinsertion rules. Furthermore, Experian has failed to conduct a reasonable investigation into my disputes and has provided false or misleading responses. \n\nI am formally requesting the immediate deletion and correction of the following inaccurate information from my Experian credit report : 1. Incorrect Personal Information : Incorrect names Incorrect addresses 2. US Bankruptcy Court Minnesota : The U.S. Bankruptcy Court does not report or verify bankruptcies to consumer reporting agencies. This entry should be deleted. \n3. Accounts Included in Bankruptcy but Reinserted as Negative : XXXX XXXX XXXX XXXX  This account was included in my bankruptcy. However, it is now reporting as negative. I also received a letter from XXXX XXXX XXXX XXXX stating that they provided me with information I requested, which is false as I never requested any such information. \nXXXX XXXX This account was included in my bankruptcy but is now reporting as negative. \nXXXX XXXX  This account was included in my bankruptcy but is now reporting as negative. \n4. Accounts with Missing or Unverified Documentation : XXXX XXXX XXXX  They have not provided documentation that constitutes a valid debt. \nXXXX XXXX They have not provided proper documentation to validate this debt. \nXXXX XXXX They have not provided proper documentation to validate this debt. \n5. Accounts Reporting Inaccurate Information : XXXX XXXX XXXX Reporting inaccurate information. \nXXXX Reporting inaccurate information. \nXXXX XXXX XXXX Requires an update. \n\nExperians Failure to Comply with the FCRA : Failure to provide an updated credit report via mail after multiple disputes. \nFailure to conduct a reasonable reinvestigation of disputed accounts. \nReinserted accounts included in bankruptcy without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ). \nProviding misleading and false responses to disputes. \n\n\nPlease provide me with an update on the status of this complaint and the corrective actions that will be taken against Experian. I appreciate your prompt attention to this matter.","date_sent_to_company":"2025-02-25T18:51:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55412","tags":null,"has_narrative":true,"complaint_id":"12125730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-19T02:43:15.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX They have not provided <em>proper</em> documentation to validate this debt. \nXXXX XXXX They have not provided <em>proper</em> documentation to validate this debt. \n5. <em>Accounts</em> Reporting Inaccurate <em>Information</em> : XXXX XXXX XXXX Reporting inaccurate <em>information</em>. \nXXXX Reporting inaccurate <em>information</em>. \nXXXX XXXX XXXX Requires an <em>update</em>. \n\nExperians <em>Failure</em> to Comply with the FCRA : <em>Failure</em> to provide an <em>updated</em> credit report via mail after multiple disputes."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[12.896955,"12125730"]},{"_index":"complaint-public-v1","_id":"16314867","_score":12.879576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting and Account Updates by Global Lending Services Summary : I am filing a complaint regarding Global Lending Services for continuing to report and make changes to an account that should not be reporting on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by Global Lending Services on my credit report.\n\nThis account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice.\n\nThe addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account.\n\nThis is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation.\n\n15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.","date_sent_to_company":"2025-10-02T22:11:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"16314867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services 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