{"took":162,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1167,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14228161","_score":17.611526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to dispute the handling of an account that your company has reported and verified. The account in question was marked as closed with a remaining balance, and despite my previous request for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), your company proceeded to verify the account without providing sufficient documentation. \n\nTo date, I have not received the original contract, itemized charges, or any documentation proving I am legally obligated to pay this alleged debt. Simply verifying the account with the credit bureaus without proper debt validation is a violation of my consumer rights under federal law. \n\nAdditionally, I would like a detailed explanation as to why the account was reported as closed with a balance, and request all relevant documentation to support this status. \n\nThis letter serves as a formal dispute of the account. If you can not provide the required validation within XXXX days, I respectfully demand that : The account be removed from all credit reporting agencies. \n\nYou cease all collection activity related to this debt. \n\nYou provide written confirmation of these actions. \n\nIf this matter is not resolved appropriately, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. \n\nThank you for your prompt attention. I look forward to your written response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-21T14:30:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"14228161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-06-21T14:19:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to dispute the handling of an <em>account</em> that your company has reported and verified. The <em>account</em> in question was marked as <em>closed</em> with a remaining balance, and despite my previous request for <em>proper</em> debt <em>validation</em> under the Fair Debt Collection Practices Act ( FDCPA ), your company proceeded to verify the <em>account</em> without providing sufficient documentation."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[17.611526,"14228161"]},{"_index":"complaint-public-v1","_id":"14228546","_score":17.582396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to dispute the handling of an account that your company has reported and verified. The account in question was marked as closed with a remaining balance, and despite my previous request for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), your company proceeded to verify the account without providing sufficient documentation. \n\nTo date, I have not received the original contract, itemized charges, or any documentation proving I am legally obligated to pay this alleged debt. Simply verifying the account with the credit bureaus without proper debt validation is a violation of my consumer rights under federal law. \n\nAdditionally, I would like a detailed explanation as to why the account was reported as closed with a balance, and request all relevant documentation to support this status. \n\nThis letter serves as a formal dispute of the account. If you can not provide the required validation within XXXX  days, I respectfully demand that : The account be removed from all credit reporting agencies. \n\nYou cease all collection activity related to this debt. \n\nYou provide written confirmation of these actions. \n\nIf this matter is not resolved appropriately, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. \n\nThank you for your prompt attention. I look forward to your written response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-21T14:30:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"14228546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-21T14:30:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to dispute the handling of an <em>account</em> that your company has reported and verified. The <em>account</em> in question was marked as <em>closed</em> with a remaining balance, and despite my previous request for <em>proper</em> debt <em>validation</em> under the Fair Debt Collection Practices Act ( FDCPA ), your company proceeded to verify the <em>account</em> without providing sufficient documentation."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[17.582396,"14228546"]},{"_index":"complaint-public-v1","_id":"12233985","_score":17.517252,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with [ Account Bal {$1000.00} ] from my credit report. I have previously requested the necessary documentation for this account, but I have yet to receive any proper paperwork or validation of the debt. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. Section 809 of the FDCPA requires that within five days of the initial communication, the debt collector must send written verification of the debt if requested. Since I have not received this documentation, I am requesting that you immediately remove this collection account from my credit report. \n\nAdditionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report, and you are required to provide documentation or proof of the debt in order to validate the accuracy of the reported information. As I have not received the requested documentation within the allotted time frame, I request that this account be removed from my credit file. \n\nPlease confirm in writing that my credit report has been updated to reflect this removal. \n\nIf you fail to provide the requested documentation within 15 days from the date of this letter, I expect the account to be removed from my credit report and the matter to be considered closed. \n\nThank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.","date_sent_to_company":"2025-02-26T14:01:39.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12233985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-02-26T13:57:28.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If you fail to provide the requested documentation <em>within</em> 15 <em>days</em> from the date of this letter, I expect the <em>account</em> to be <em>removed</em> from my credit report and the matter to be considered <em>closed</em>. \n\nThank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved."]},"sort":[17.517252,"12233985"]},{"_index":"complaint-public-v1","_id":"11976497","_score":17.35077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Per XXXX USC XXXX ( I ) I am formally requesting a procedural reinvestigation of inaccuracies on my credit report which have adversely affected my ability to obtain credit. \nPer XXXX USC XXXX ( b ) Accuracy of Report : Equifax must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute. \nPlease verify and validate the following accounts : XXXX XXXX Charge Off on XXXX & XXXX Missing pymt. history Credit limit reporting on closed account Available credit reporting on closed account XXXX XXXX XXXX XXXX reporting on closed account Available credit reporting on closed account XXXX XXXX Credit limit reporting Available credit reporting Missing payment history XXXX XXXX 60 days late in XX/XX/XXXX, on time XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Available credit reporting 60 days late in XX/XX/XXXX on time in XX/XX/XXXX XXXX XXXX XXXX Credit limit reporting Available credit reporting Please provide the following : -Ownership or entitlement of a certificated security which requires original documentation or proper assignment. ( XXXX XXXX ) -Original Documentation to validate the accuracy of alleged debt. Copies or electronic reproductions are insufficient ( XXXX XXXX ) -Proof I was notified of alleged debt in a timely manner and given the opportunity to dispute, arbitrate or settle issue. \n-The business names and addresses of all entities used to verify and validate information in question to allow me to follow up","date_sent_to_company":"2025-02-05T21:10:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"11976497","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T20:23:41.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please verify and <em>validate</em> the following <em>accounts</em> : XXXX XXXX Charge Off on XXXX & XXXX Missing pymt. history Credit limit reporting on <em>closed</em> <em>account</em> Available credit reporting on <em>closed</em> <em>account</em> XXXX XXXX XXXX XXXX reporting on <em>closed</em> <em>account</em> Available credit reporting on <em>closed</em> <em>account</em> XXXX XXXX Credit limit reporting Available credit reporting Missing payment history XXXX XXXX 60 <em>days</em> late in XX/XX/XXXX, on time XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Available credit reporting 60 <em>days</em> late in"]},"sort":[17.35077,"11976497"]},{"_index":"complaint-public-v1","_id":"14806443","_score":17.33291,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against XXXX XXXX for inaccurately reporting a collection account on my credit report and for failing to comply with federal legal requirements. \n\nI paid the original debt in full on XX/XX/year>, and provided proof of payment to the collector. Despite this, XXXX XXXX continues to report the account as unpaid to the credit bureaus. \n\nAdditionally, they never provided a written validation notice within five days of first contact, as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). I was never advised of my right to dispute the debt within 30 days. \n\nI have attempted to resolve this issue directly with the company, but have received no resolution or acknowledgement of the payment made. \n\nI am requesting that the CFPB require XXXX XXXX to : Remove the account from all credit bureaus Cease further collection and reporting activities Provide a proper written validation of the debt if they intend to continue reporting Their failure to provide required disclosures, combined with their continued reporting of a paid debt as unpaid, is a clear violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). \n\nFurthermore, the account is listed as closed on my credit report, yet still reported as unpaid and derogatory. This is misleading and inaccurate. A closed collection account that has been paid in full should reflect a {$0.00} balance and no ongoing negative status. \n\nThese inaccuracies are causing continued harm to my credit profile, and I respectfully request that the CFPB investigate this matter and compel XXXX XXXX to comply with federal law and correct or remove this tradeline.","date_sent_to_company":"2025-07-22T17:51:42.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"449XX","tags":null,"has_narrative":true,"complaint_id":"14806443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-07-22T17:37:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Additionally, they never provided a written <em>validation</em> notice <em>within</em> five <em>days</em> of first contact, as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). I was never advised of my right to dispute the debt <em>within</em> 30 <em>days</em>. \n\nI have attempted to resolve this issue directly with the company, but have received no resolution or acknowledgement of the payment made."]},"sort":[17.33291,"14806443"]},{"_index":"complaint-public-v1","_id":"12234375","_score":17.192919,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Request to Remove Collection and Update Credit Report Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with [ Account Number XXXX ] from my credit report. I have previously requested the necessary documentation for this account, but I have yet to receive any proper paperwork or validation of the debt. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. Section 809 of the FDCPA requires that within five days of the initial communication, the debt collector must send written verification of the debt if requested. Since I have not received this documentation, I am requesting that you immediately remove this collection account from my credit report. \n\nAdditionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report, and you are required to provide documentation or proof of the debt in order to validate the accuracy of the reported information. As I have not received the requested documentation within the allotted time frame, I request that this account be removed from my credit file. \n\nPlease confirm in writing that my credit report has been updated to reflect this removal. \n\nIf you fail to provide the requested documentation within 15 days from the date of this letter, I expect the account to be removed from my credit report and the matter to be considered closed. \n\nThank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.","date_sent_to_company":"2025-02-26T14:06:11.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12234375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-02-26T14:02:05.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If you fail to provide the requested documentation <em>within</em> 15 <em>days</em> from the date of this letter, I expect the <em>account</em> to be <em>removed</em> from my credit report and the matter to be considered <em>closed</em>. \n\nThank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved."]},"sort":[17.192919,"12234375"]},{"_index":"complaint-public-v1","_id":"15126289","_score":17.11584,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing inaccurate information on my credit report related to an account from XXXX XXXX, reported by TransUnion. The account is listed as a closed account with a {$2200.00} balance and is labeled as a charge-off/collection. \n\nI believe this is inaccurate or unverifiable. The reporting of this account is negatively impacting my credit score, and I have not received proper validation of the debt. I have requested verification and accurate reporting, but the account continues to report as derogatory. The Fair Credit Reporting Act ( FCRA ) requires that all information reported be accurate and verifiable, which I do not believe has been met in this case.\n\nUnder FCRA 623 and 611, information furnished to credit reporting agencies must be : Accurate Complete Verifiable If XXXX XXXX or TransUnion is reporting : A balance that isnt owed A charge-off without proper validation Incomplete or outdated payment history Any unverifiable account info Then it may be a violation.\n\nIf youve disputed this account and : TransUnion failed to respond or investigate within 30 days Or did not correct/remove unverifiable info That violates FCRA 611 ( a ). \n\n3. Re-aging the Account Improperly The account shows a recent report date of XX/XX/XXXX, but you said it was opened in XX/XX/XXXX and is closed. \n\nIf they updated the last reported date or reset the delinquency date to make it stay on your credit longer than 7 years thats called re-aging, and its illegal under FCRA 605 ( c ).","date_sent_to_company":"2025-08-06T14:17:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77084","tags":"Servicemember","has_narrative":true,"complaint_id":"15126289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T14:16:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Under FCRA 623 and 611, information furnished to credit reporting agencies must be : Accurate Complete Verifiable If XXXX XXXX or TransUnion is reporting : A balance that isnt owed A charge-off without <em>proper</em> <em>validation</em> Incomplete or outdated payment history Any unverifiable <em>account</em> info Then it may be a violation.\n\nIf youve disputed this <em>account</em> and : TransUnion failed to respond or investigate <em>within</em> 30 <em>days</em> Or did not correct/<em>remove</em> unverifiable info That violates FCRA 611 ( a ). \n\n3."]},"sort":[17.11584,"15126289"]},{"_index":"complaint-public-v1","_id":"15037293","_score":17.09793,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the collection account that Portfolio Recovery Associates has reported to the credit bureaus under my name. I have no knowledge of any account with your company, have never utilized your services, nor purchased any product from you. Additionally, I have not received any verification or communication from your office substantiating the legitimacy or origin of the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive proper validation of any debt that is claimed to be owed. As required by 15 U.S. Code 1692g, you are obligated to provide evidence of the debt in question, including the original creditors name, the amount owed, and proof that I am legally responsible for this debt. To date, I have received no such validation. This collection account is negatively impacting my credit, and as such, I am requesting that you immediately remove this entry from all credit reporting agencies. If you can not provide full and proper verification of the debt within 30 days of receiving this letter, I will consider this matter closed and expect the immediate deletion of the collection item from my credit report.","date_sent_to_company":"2025-08-01T20:48:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"15037293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-08-01T20:38:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This collection <em>account</em> is negatively impacting my credit, and as such, I am requesting that you immediately <em>remove</em> this entry from all credit reporting agencies. If you can not provide full and <em>proper</em> verification of the debt <em>within</em> 30 <em>days</em> of receiving this letter, I will consider this matter <em>closed</em> and expect the immediate deletion of the collection item from my credit report."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[17.09793,"15037293"]},{"_index":"complaint-public-v1","_id":"15126288","_score":17.087597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing inaccurate information on my credit report related to an account from XXXX XXXX, reported by XXXX The account is listed as a closed account with a {$2200.00} balance and is labeled as a charge-off/collection.\n\nI believe this is inaccurate or unverifiable. The reporting of this account is negatively impacting my credit score, and I have not received proper validation of the debt. I have requested verification and accurate reporting, but the account continues to report as derogatory. The Fair Credit Reporting Act ( FCRA ) requires that all information reported be accurate and verifiable, which I do not believe has been met in this case.\n\nUnder FCRA 623 and 611, information furnished to credit reporting agencies must be : Accurate Complete Verifiable If XXXX XXXX or XXXX is reporting : A balance that isnt owed A charge-off without proper validation Incomplete or outdated payment history Any unverifiable account info Then it may be a violation.\n\n\nIf youve disputed this account and : TransUnion failed to respond or investigate within 30 days Or did not correct/remove unverifiable info That violates FCRA 611 ( a ). 3. Re-aging the Account Improperly The account shows a recent report date of XX/XX/XXXX, but you said it was opened in XX/XX/XXXX and is closed. \n\nIf they updated the last reported date or reset the delinquency date to make it stay on your credit longer than 7 years thats called re-aging, and its illegal under FCRA 605 ( c ).","date_sent_to_company":"2025-09-24T14:59:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77084","tags":"Servicemember","has_narrative":true,"complaint_id":"15126288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T14:16:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Under FCRA 623 and 611, information furnished to credit reporting agencies must be : Accurate Complete Verifiable If XXXX XXXX or XXXX is reporting : A balance that isnt owed A charge-off without <em>proper</em> <em>validation</em> Incomplete or outdated payment history Any unverifiable <em>account</em> info Then it may be a violation.\n\n\nIf youve disputed this <em>account</em> and : TransUnion failed to respond or investigate <em>within</em> 30 <em>days</em> Or did not correct/<em>remove</em> unverifiable info That violates FCRA 611 ( a ). 3."]},"sort":[17.087597,"15126288"]},{"_index":"complaint-public-v1","_id":"14535329","_score":16.931953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I noticed that the Apple Card ( GS Bank ) accounts was reinserted into my credit report with the remark \" charge off account '' and account closed by credit grantor. this account had previously been in dispute and marked as consumer disputes reinvestigation in progress, but that remark was removed between XX/XX/XXXX and XX/XX/year>. \n\nUnder the FCRA & 611 ( a ) ( 5 ) ( B ), if a previously deleted account is reinserted into a consumer 's credit file, the consumer must be notified within 5 Business days. I was never notified of this reinsertion. \n\nI contacted the credit bureau and the creditor requesting the documentation used to validate and reinsert the account, but I have not received any response or evidence of proper reinvestigation. The raises serious concerns about the accuracy and legality of this reporting.","date_sent_to_company":"2025-07-08T21:55:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"14535329","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-07-08T21:15:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Under the FCRA & 611 ( a ) ( 5 ) ( B ), if a previously deleted <em>account</em> is reinserted into a consumer 's credit file, the consumer must be notified <em>within</em> 5 Business <em>days</em>. I was never notified of this reinsertion. \n\nI contacted the credit bureau and the creditor requesting the documentation used to <em>validate</em> and reinsert the <em>account</em>, but I have not received any response or evidence of <em>proper</em> reinvestigation. The raises serious concerns about the accuracy and legality of this reporting."]},"sort":[16.931953,"14535329"]},{"_index":"complaint-public-v1","_id":"15461613","_score":16.916073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX : Failure to Conduct Reinvestigation and Respond to XXXX Dear XXXX XXXX XXXX, This letter is to notify you that I previously submitted a written dispute regarding the above-referenced account, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nTo date, you have failed to conduct a proper reinvestigation or provide any response or supporting documentation to validate this alleged debt. Under FCRA 1681i ( a ), a furnisher must reinvestigate disputed information within 30 days and notify the consumer of the results. Additionally, under FDCPA 1692g ( b ), debt collection efforts must cease until proper validation is provided. \nAs you have not complied with these legal obligations, I am requesting that this account be immediately removed from all consumer reporting agencies and that you confirm in writing that the matter is closed. \nIf you continue to report or pursue this debt without providing validation, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies for violations of federal law. \nSincerely, XXXX","date_sent_to_company":"2025-08-22T08:21:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"15461613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-22T08:01:08.000Z","state":"TN","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":["To date, you have failed to conduct a <em>proper</em> reinvestigation or provide any response or supporting documentation to <em>validate</em> this alleged debt. Under FCRA 1681i ( a ), a furnisher must reinvestigate disputed information <em>within</em> 30 <em>days</em> and notify the consumer of the results. Additionally, under FDCPA 1692g ( b ), debt collection efforts must cease until <em>proper</em> <em>validation</em> is provided."]},"sort":[16.916073,"15461613"]},{"_index":"complaint-public-v1","_id":"19748737","_score":16.871996,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the following accounts that are currently being reported on my credit file : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX to my credit report, the account ( XXXX ) reflect the following : Creditor/Collector : Credence Resource Management XXXX Account XXXX : XXXX Reported Balance : XXXX Date Opened/Reported : XX/XX/2025 I first became aware of this account when I reviewed my credit report. I contacted the office by phone to request verification of the debt. I also submitted a written request for validation, but I have not received sufficient documentation proving that this debt is accurate and legally collectible. \n\nAdditionally, I made a payment requested to closed the account. Despite my efforts, the account continues to be reported inaccurately. \n\nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Full validation of the alleged debt, including a copy of the original signed agreement. \n\nA complete payment history showing how the balance of {$380.00} was calculated. \n\nProof that your company is authorized to collect on this account. \n\nCorrection or deletion of any inaccurate information being reported. \n\nIf you can not provide proper validation within 30 days, I request that this account be removed from my credit report immediately. \n\nPlease respond to this matter in writing within 30 days of receipt of this letter. \n\nSincerely, XXXX","date_sent_to_company":"2026-02-24T19:46:37.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"75211","tags":null,"has_narrative":true,"complaint_id":"19748737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-02-24T19:33:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If you can not provide <em>proper</em> <em>validation</em> <em>within</em> 30 <em>days</em>, I request that this <em>account</em> be <em>removed</em> from my credit report immediately. \n\nPlease respond to this matter in writing <em>within</em> 30 <em>days</em> of receipt of this letter. \n\nSincerely, XXXX"]},"sort":[16.871996,"19748737"]},{"_index":"complaint-public-v1","_id":"15460271","_score":16.867329,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"First Credit Services Subject : Failure to Conduct Reinvestigation and Respond to Dispute Dear First Credit Services, This letter is to notify you that I previously submitted a written dispute regarding the above-referenced account, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nTo date, you have failed to conduct a proper reinvestigation or provide any response or supporting documentation to validate this alleged debt. Under FCRA 1681i ( a ), a furnisher must reinvestigate disputed information within 30 days and notify the consumer of the results. Additionally, under FDCPA 1692g ( b ), debt collection efforts must cease until proper validation is provided.\n\nAs you have not complied with these legal obligations, I am requesting that this account be immediately removed from all consumer reporting agencies and that you confirm in writing that the matter is closed.\n\nIf you continue to report or pursue this debt without providing validation, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies for violations of federal law. \nSincerely, XXXX","date_sent_to_company":"2025-08-22T08:21:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"15460271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Credit Services Inc.","date_received":"2025-08-22T08:20:40.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, you have failed to conduct a <em>proper</em> reinvestigation or provide any response or supporting documentation to <em>validate</em> this alleged debt. Under FCRA 1681i ( a ), a furnisher must reinvestigate disputed information <em>within</em> 30 <em>days</em> and notify the consumer of the results. Additionally, under FDCPA 1692g ( b ), debt collection efforts must cease until <em>proper</em> <em>validation</em> is provided."]},"sort":[16.867329,"15460271"]},{"_index":"complaint-public-v1","_id":"11338344","_score":16.822454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint in response to Axos Bank communication and response dated XX/XX/year> ( attached ), regarding my CFPB complaint. After thoroughly reviewing your response, I must highlight several inaccuracies and reiterate my request for this account to be removed from all credit reports. \n\n1. Evidence of Account Closure Your records claim the account remains open and delinquent ; however, I have previously provided screenshots of communications through your system that clearly show the account was closed. Despite being provided this evidence, Axos Bank has continued to report this account inaccurately as 180 days past due. \n\nAdditionally, the act of sending this account to collections with XXXX, XXXX XXXX XXXX is a clear indication that Axos Bank had closed the account. Transferring an account to collections implies the Bank relinquished further responsibility for managing the debt. Reporting the account as both open and delinquent is contradictory and misleading. \n\nI request Axos Bank immediately update its records, acknowledge the account 's closure, and cease reporting false information to credit bureaus. \n\n2. Violation of the Fair Credit Reporting Act ( FCRA ) Reporting inaccurate information to credit bureaus, especially after being notified of the inaccuracies, is a direct violation of the FCRA. Axos Banks actions not only perpetuate the reporting of false information but also mislead credit bureaus and create undue hardship for me. \n\nGiven the evidence of account closure and the lack of proper validation of the debt, I demand that Axos Bank immediately : Remove this account from all credit reports with the three major credit bureaus ( XXXX, XXXX, and XXXX ). \nProvide written confirmation of the deletion within 15 business days.\n\n3. Failure to Validate Debt Your response fails to provide sufficient validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Proper validation includes : a. A copy of the original signed agreement. \nb. A detailed accounting of how the alleged balance was calculated. \nc. Proof that Axos Bank has the legal right to collect on the account. \n\nDespite my prior requests, this information has not been provided. Without proper validation, Axos Bank is in violation of the FDCPA and must cease collection and reporting activities immediately.\n\n4. Failure to Act in Good Faith Axos Banks actions reflect an attempt to sidestep its responsibility to provide clear, accurate, and transparent information to its clients. Customers rely on truthful reporting and clear communication to make informed decisions and move forward effectively. \n\nEven in their attached response, they did not communicate that correspondence with their lack of communication and failure to address the screenshots of the system communicating the account was closed. \n\nBy failing to acknowledge the evidence of closure, misreporting this account, and referring it to collections while simultaneously claiming it is open, Axos Bank has failed to act in good faith.\n\n5. Request for Account Deletion Due to the repeated inaccuracies in reporting and the failure to validate the debt, I formally request that Axos Bank : a. Permanently delete this account from all credit reports. \nb. Cease all collection and communication efforts regarding this account. \nc. Provide written confirmation of the account 's deletion from credit reports within 15 business days. \n\nFailure to comply with this request will result in further escalation, including additional complaints with the Federal Trade Commission, other regulatory bodies, and potential legal action to enforce my rights under the FCRA and FDCPA. \n\nI appreciate your immediate attention to this matter and look forward to your prompt resolution.","date_sent_to_company":"2024-12-31T04:30:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"11338344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AXOS FINANCIAL, INC.","date_received":"2024-12-31T03:03:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Given the evidence of <em>account</em> closure and the lack of <em>proper</em> <em>validation</em> of the debt, I demand that Axos Bank immediately : <em>Remove</em> this <em>account</em> from all credit reports with the three major credit bureaus ( XXXX, XXXX, and XXXX ). \nProvide written confirmation of the deletion <em>within</em> 15 business <em>days</em>.\n\n3. Failure to <em>Validate</em> Debt Your response fails to provide sufficient <em>validation</em> of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA )."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.822454,"11338344"]},{"_index":"complaint-public-v1","_id":"11335423","_score":16.794512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint in response to XXXX XXXX  communication and response dated XX/XX/year> ( attached ), regarding my CFPB complaint. After thoroughly reviewing your response, I must highlight several inaccuracies and reiterate my request for this account to be removed from all credit reports. \n\n1. Evidence of Account Closure Your records claim the account remains open and delinquent ; however, I have previously provided screenshots of communications through your system that clearly show the account was closed. Despite being provided this evidence, XXXX XXXX  has continued to report this account inaccurately as 180 days past due. \n\nAdditionally, the act of sending this account to collections with XXXX, XXXX XXXX XXXX is a clear indication that XXXX XXXX  had closed the account. Transferring an account to collections implies the Bank relinquished further responsibility for managing the debt. Reporting the account as both open and delinquent is contradictory and misleading. \n\nI request XXXX XXXX  immediately update its records, acknowledge the account 's closure, and cease reporting false information to credit bureaus. \n\n2. Violation of the Fair Credit Reporting Act ( FCRA ) Reporting inaccurate information to credit bureaus, especially after being notified of the inaccuracies, is a direct violation of the FCRA. XXXX XXXX  actions not only perpetuate the reporting of false information but also mislead credit bureaus and create undue hardship for me. \n\nGiven the evidence of account closure and the lack of proper validation of the debt, I demand that XXXX XXXX  immediately : Remove this account from all credit reports with the three major credit bureaus ( XXXX, Experian, and XXXX ). \nProvide written confirmation of the deletion within 15 business days.\n\n3. Failure to Validate Debt Your response fails to provide sufficient validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Proper validation includes : a. A copy of the original signed agreement.\n\nb. A detailed accounting of how the alleged balance was calculated. \nc. Proof that XXXX XXXX  has the legal right to collect on the account. \n\nDespite my prior requests, this information has not been provided. Without proper validation, XXXX XXXX  is in violation of the FDCPA and must cease collection and reporting activities immediately. \n\n4. Failure to Act in Good Faith XXXX XXXX  actions reflect an attempt to sidestep its responsibility to provide clear, accurate, and transparent information to its clients. Customers rely on truthful reporting and clear communication to make informed decisions and move forward effectively. \n\nEven in their attached response, they did not communicate that correspondence with their lack of communication and failure to address the screenshots of the system communicating the account was closed. \n\nBy failing to acknowledge the evidence of closure, misreporting this account, and referring it to collections while simultaneously claiming it is open, XXXX XXXX  has failed to act in good faith. \n\n5. Request for Account Deletion Due to the repeated inaccuracies in reporting and the failure to validate the debt, I formally request that XXXX XXXX  : a. Permanently delete this account from all credit reports. \nb. Cease all collection and communication efforts regarding this account. \nc. Provide written confirmation of the account 's deletion from credit reports within 15 business days. \n\nFailure to comply with this request will result in further escalation, including additional complaints with the Federal Trade Commission, other regulatory bodies, and potential legal action to enforce my rights under the FCRA and FDCPA. \n\nI appreciate your immediate attention to this matter and look forward to your prompt resolution.","date_sent_to_company":"2024-12-31T04:30:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"11335423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-31T04:30:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Given the evidence of <em>account</em> closure and the lack of <em>proper</em> <em>validation</em> of the debt, I demand that XXXX XXXX  immediately : <em>Remove</em> this <em>account</em> from all credit reports with the three major credit bureaus ( XXXX, Experian, and XXXX ). \nProvide written confirmation of the deletion <em>within</em> 15 business <em>days</em>.\n\n3. Failure to <em>Validate</em> Debt Your response fails to provide sufficient <em>validation</em> of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA )."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.794512,"11335423"]},{"_index":"complaint-public-v1","_id":"16227794","_score":16.710941,"_source":{"product":"Debt collection","complaint_what_happened":"Hi, I am writing to get assistance in response to a collection account that was reported to the credit bureaus under my name. I do not recognize this account and have no knowledge of any outstanding debt with the agency. \n\nHalsted Financial Services is th company that is contacting me regarding a bill from XXXX XXXX Bank for the amount of {$460.00} A detailed explanation or documentation showing that I am legally obligated to pay this debt to Halsted would be greatly appreciated. \n\nA copy of the original agreement or contract bearing my signature ( if applicable : Until this information is provided I ask that they Cease all collection efforts.Refrain from reporting or remove any existing entries from my credit report with all credit bureaus ( XXXX XXXX XXXX ). \nIf this debt is not validated within 30 days, I will consider the matter closed and request that you cease collection and remove any negative marks from my credit report. \n\nPlease respond to this request in writing. This letter is not an acknowledgment of any debt, and any attempt to collect a debt without proper validation is a violation of the FDCPA.","date_sent_to_company":"2025-09-28T20:07:18.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"33065","tags":null,"has_narrative":true,"complaint_id":"16227794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Halsted Financial Services, LLC.","date_received":"2025-09-28T19:43:46.000Z","state":"FL","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["A copy of the original agreement or contract bearing my signature ( if applicable : Until this information is provided I ask that they Cease all collection efforts.Refrain from reporting or <em>remove</em> any existing entries from my credit report with all credit bureaus ( XXXX XXXX XXXX ). \nIf this debt is not <em>validated</em> <em>within</em> 30 <em>days</em>, I will consider the matter <em>closed</em> and request that you cease collection and <em>remove</em> any negative marks from my credit report."]},"sort":[16.710941,"16227794"]},{"_index":"complaint-public-v1","_id":"13444184","_score":16.588253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Dispute of Inaccurate and Unverified Accounts Request for Immediate Removal am formally disputing the following accounts on my credit report as they are inaccurate and unverified according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. I am requesting immediate removal of these items if proper verification can not be provided within 30 days, as mandated by law. \n\nAccounts in Dispute : XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX Opened : XX/XX/XXXX Status : {$1300.00} Past Due ( Under Dispute ) XXXX Opened : XX/XX/XXXX Status : Potentially Negative FCRA 1681s-2 ( a ) ( Furnisher Responsibilities ) : Information providers must report only accurate and complete information. Reporting false or unverifiable information violates federal law. \n\nFCRA 1681b Permissible Purposes : Under federal law, only authorized and validated debts should appear on my credit report. \nI am requesting proof of my signature authorizing each of these debts to be reported to Experian. If such documentation does not exist, these accounts must be immediately deleted. \nFDCPA 809 Validation of Debts : Debt collectors are required to provide clear validation of the debt, including a contract or agreement bearing my signature!! \nFailure to provide signed authorization within 30 days constitutes a violation of my consumer rights. \n\nFCRA 1681b Permissible Purposes : Under federal law, only authorized and validated debts should appear on my credit report. \nI am demanding proof of my signed agreement that permits you to report these debts. If you can not provide a contract bearing my signature explicitly authorizing this reporting, then you are required by law to remove these accounts immediately.\n\nFDCPA 809 Validation of Debts : Debt collectors must provide clear validation of the debt, including a contract or agreement bearing my signature. \nIf you are unable to produce this signed contract, you must delete this information from my credit report as it is unverified and unauthorized. \nRequested Action : I am requesting the following within XXXX  days : Proof of Signature : A copy of the original signed agreement authorizing you to report these debts. \nFull Validation : Complete documentation of the debt, including the original creditors name, the amount, and proof of legal assignment of the debt.\n\nImmediate Removal : If you can not provide my signed authorization, these accounts must be removed from my credit report immediately as required by law. \nFailure to Comply : If you can not provide this information within XXXX  days, I will consider it a violation of the FCRA and FDCPA and will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies if necessary. \n\nPlease respond to this dispute in writing at the address provided.","date_sent_to_company":"2025-05-10T20:52:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"13444184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-10T20:40:32.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, TX XXXX Dispute of Inaccurate and Unverified <em>Accounts</em> Request for Immediate Removal am formally disputing the following <em>accounts</em> on my credit report as they are inaccurate and unverified according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. I am requesting immediate removal of these items if <em>proper</em> verification can not be provided <em>within</em> 30 <em>days</em>, as mandated by law."]},"sort":[16.588253,"13444184"]},{"_index":"complaint-public-v1","_id":"15017428","_score":16.503492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to formally dispute and request immediate removal of inaccurate and unauthorized collection accounts that have been reported to my credit file by XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX across Experian, XXXX, and XXXX. These accounts are not mine, and their continued presence on my credit reports is not only erroneous but a clear violation of my rights under federal law. Despite prior disputes and requests for investigation, these accounts remain on my credit file without proper validation or verification. This is in direct violation of the following laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Section 1681i : Credit reporting agencies must conduct a reasonable investigation of any disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. Section 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Violation : The accounts listed by XXXX XXXX and XXXX Services remain on my report despite being inaccurate and unverified. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. Section 1692e ( 8 ) : Debt collectors must not report information they know or should know is false, including failing to communicate a debt is disputed. Section 1692g : Debt collectors must send a written validation notice within 5 days of initial communication and cease collection activity until they validate the debt upon request. Violation : I never received proper validation for these debts, and the collection agencies continue to report to the bureaus without satisfying this legal requirement. These inaccuracies have caused serious harm to my credit profile and are interfering with my ability to secure housing, financial services, and employment opportunities. I respectfully ask that you investigate this matter urgently and ensure that my consumer rights are protected. \n\nXXXX. XXXX XXXX XXXX  should have been removed from my credit its been on my credit report over 7 years. Experian just closed the account on XX/XX/XXXX and is showing as a balance which is illegal. Opened XX/XX/XXXX and it is now XX/XX/XXXX. Illegally keeping this on my credit report and reporting as a closed account. If not removed will seek legal action. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reporting on my credit every month did not give them approval to use or sell my information to a credit agency will seek legal action if not removed.","date_sent_to_company":"2025-08-03T15:31:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"55125","tags":null,"has_narrative":true,"complaint_id":"15017428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-03T15:22:13.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Section 1692g : Debt collectors must send a written <em>validation</em> notice <em>within</em> 5 <em>days</em> of initial communication and cease collection activity until they <em>validate</em> the debt upon request. Violation : I never received <em>proper</em> <em>validation</em> for these debts, and the collection agencies continue to report to the bureaus without satisfying this legal requirement."]},"sort":[16.503492,"15017428"]},{"_index":"complaint-public-v1","_id":"12253359","_score":16.467192,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank Attn : Debt Validation Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Immediate Debt Validation or Deletion [ Account Number ] To whom it may concern, I am writing in response to your correspondence dated XX/XX/XXXX, in which you indicated that additional time is needed to investigate the validity of the debt referenced above. While I understand that debt verification may require time, I must remind you that under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, you are required to provide validation of this debt within 30 days of receiving my initial request, which was sent on XX/XX/XXXX. \nPlease be advised that the statutory 30-day period has not been extended, and it remains in effect. If I do not receive proper validation of this debt by [ XXXX XXXX, 30 days from original request ], I will request the immediate deletion of this account from your records and from any credit reporting agencies to which you have reported it.\n\nAs supported by case law, failure to validate the debt within the required time period has serious legal consequences : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) : The court held that if a debt collector fails to validate a debt within the 30-day period, the collector loses the right to continue pursuing the debt, including reporting it to credit bureaus. This case reaffirms that the debt collector must stop all collection activities and correct any credit reporting discrepancies. \nXXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : The court ruled that when a debt collector fails to respond to a request for debt validation within 30 days, they can not report the debt to credit bureaus, and must cease all collection efforts. The case further clarified that the burden of proof rests with the debt collector to validate the debt, not the consumer. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX ) : In this case, the court reinforced the concept that a debt collector must remove any reports of a debt from credit agencies if they fail to validate the debt within the statutory timeframe. If no valid documentation is provided, the debt must be considered disputed and should be deleted.\n\nUnder these precedents, I expect your full compliance with the FDCPA, which mandates that if the debt is not validated within 30 days, all collection activities must cease, and the debt must be removed from my credit reports. If I do not receive proper validation of this debt by [ insert date, 30 days from original request ], I will take the following steps : 1. 2. 3. Dispute the debt directly with the credit bureaus, asserting that the debt has not been properly validated.\n\nFile complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office for violation of the FDCPA.\n\nRequest immediate deletion of this account from your records and from all credit reports.\n\nPlease treat this letter as my final request for validation of this debt. If no validation is provided by the deadline, I will consider this matter closed and expect the deletion of this account from all records, as well as cessation of all collection activity.\n\nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX Account number : XXXX","date_sent_to_company":"2025-02-27T22:33:42.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"12253359","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-27T22:28:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Under these precedents, I expect your full compliance with the FDCPA, which mandates that if the debt is not <em>validated</em> <em>within</em> 30 <em>days</em>, all collection activities must cease, and the debt must be <em>removed</em> from my credit reports. If I do not receive <em>proper</em> <em>validation</em> of this debt by [ insert date, 30 <em>days</em> from original request ], I will take the following steps : 1. 2. 3. Dispute the debt directly with the credit bureaus, asserting that the debt has not been properly <em>validated</em>."]},"sort":[16.467192,"12253359"]},{"_index":"complaint-public-v1","_id":"12253032","_score":16.391027,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX ct XXXX XXXX, Ga XXXX XX/XX/XXXX Credit Collection Services XXXX XXXX XXXX XXXX Ma XXXX Subject : Request for Immediate Debt Validation or Deletion Account : XXXX Attn : Debt Validation Department Thank you for your response acknowledging the receipt of my complaint. I appreciate your attention to this matter and your commitment to investigating my concerns.I am writing in response to your correspondence dated XXXX XXXX, in which you indicated that additional time is needed to investigate the validity of the debt referenced above. While I understand that debt verification may require time, I must remind you that under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, you are required to provide validation of this debt within 30 days of receiving my initial request, which was sent on XX/XX/XXXX. \nPlease be advised that the statutory 30-day period has not been extended, and it remains in effect. If I do not receive proper validation of this debt by XX/XX/XXXX, 30 days from original date, I will request the immediate deletion of this account from your records and from any credit reporting agencies to which you have reported it. \nAs supported by case law, failure to validate the debt within the required time period has serious legal XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that if a debt collector fails to validate a debt within the 30-day period, the collector loses the right to continue pursuing the debt, including reporting it to credit bureaus. This case reaffirms that the debt collector must stop all collection activities and correct any credit reporting discrepancies. \nXXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court ruled that when a debt collector fails to respond to a request for debt validation within 30 days, they can not report the debt to credit bureaus, and must cease all collection efforts. The case further clarified that the burden of proof rests with the debt collector to validate the debt, not the consumer. \nXXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : In this case, the court reinforced the concept that a debt collector must remove any reports of a debt from credit agencies if they fail to validate the debt within the statutory timeframe. If no valid documentation is provided, the debt must be considered disputed and should be deleted. \nUnder these precedents, I expect your full compliance with the FDCPA, which mandates that if the debt is not validated within 30 days, all collection activities must cease, and the debt must be removed from my credit reports. If I do not receive proper validation of this debt by [ insert date, 30 days from original request ], I will take the following steps : 1. 2. 3. Dispute the debt directly with the credit bureaus, asserting that the debt has not been properly validated. \nFile complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office for violation of the FDCPA. \nRequest immediate deletion of this account from your records and from all credit reports. \nPlease treat this letter as my final request for validation of this debt. If no validation is provided by the deadline, I will consider this matter closed and expect the deletion of this account from all records, as well as cessation of all collection activity. \nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-27T22:16:08.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"12253032","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-02-27T22:11:07.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Under these precedents, I expect your full compliance with the FDCPA, which mandates that if the debt is not <em>validated</em> <em>within</em> 30 <em>days</em>, all collection activities must cease, and the debt must be <em>removed</em> from my credit reports. If I do not receive <em>proper</em> <em>validation</em> of this debt by [ insert date, 30 <em>days</em> from original request ], I will take the following steps : 1. 2. 3. Dispute the debt directly with the credit bureaus, asserting that the debt has not been properly <em>validated</em>."]},"sort":[16.391027,"12253032"]},{"_index":"complaint-public-v1","_id":"14676134","_score":16.351515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a XXXX XXXX Bank tradeline that is inaccurately reported on my credit report. \n\nThe account was closed by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without proper validation. \n\nI filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus. Their reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report complete and accurate information and correct or delete unverifiable information within XXXX days of a dispute. \n\nThis tradeline is causing damage to my credit profile and misrepresents the status and history of the account. I am requesting this inaccurate tradeline be permanently removed or updated to reflect the final status as of XX/XX/XXXX with no further balance reporting, fees, or interest.","date_sent_to_company":"2025-07-15T22:43:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"14676134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-15T22:33:29.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The <em>account</em> was <em>closed</em> by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without <em>proper</em> <em>validation</em>. \n\nI filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.351515,"14676134"]},{"_index":"complaint-public-v1","_id":"14675323","_score":16.330305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a XXXX XXXX Bank tradeline that is inaccurately reported on my credit report. \n\nThe account was closed by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without proper validation. \n\nI filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus. Their reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report complete and accurate information and correct or delete unverifiable information within XXXX days of a dispute. \n\nThis tradeline is causing damage to my credit profile and misrepresents the status and history of the account. I am requesting this inaccurate tradeline be permanently removed or updated to reflect the final status as of XX/XX/XXXX with no further balance reporting, fees, or interest.","date_sent_to_company":"2025-07-15T22:43:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"14675323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-15T22:42:45.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The <em>account</em> was <em>closed</em> by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without <em>proper</em> <em>validation</em>. \n\nI filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.330305,"14675323"]},{"_index":"complaint-public-v1","_id":"14675321","_score":16.304472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a XXXX XXXX Bank tradeline that is inaccurately reported on my credit report. \n\nThe account was closed by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without proper validation. \n\nI filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus. Their reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report complete and accurate information and correct or delete unverifiable information within XXXX days of a dispute. \n\nThis tradeline is causing damage to my credit profile and misrepresents the status and history of the account. I am requesting this inaccurate tradeline be permanently removed or updated to reflect the final status as of XX/XX/XXXX with no further balance reporting, fees, or interest.","date_sent_to_company":"2025-07-15T22:43:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"14675321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-15T22:42:45.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The <em>account</em> was <em>closed</em> by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without <em>proper</em> <em>validation</em>. \n\nI filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.304472,"14675321"]},{"_index":"complaint-public-v1","_id":"12188374","_score":16.229937,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Per 15 USC 1681 ( I ) I am formally requesting a procedural reinvestigation of inaccuracies on my credit report which have adversely affected my ability to obtain credit. Per 15 USC 1681e ( b ) Accuracy of Report : Experian must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute. Please verify and validate the following accounts : XXXX  XXXX : XXXX. \n{$6000.00} balance, Missing pymt. history, Last pymt date doesnt correspond with pymt summary Credit limit reporting on closed account Available credit reporting on closed account. \nXXXX  XXXX {$11000.00} balance, last pymt date doesnt correspond with pymt summary. Credit limit reporting on closed account Available credit reporting on closed account XXXX  XXXX {$4600.00} balance. Credit limit reporting. Available credit reporting. Payment summary and last pymt date dont match. \nXXXX  XXXX {$4600.00} balance, credit limit reporting on closed account. Payment summary and last pymt date dont match. \nXXXXXXXX XXXX XXXX No account number. \nIncomplete and inaccurate payment summary Please provide the following : -Proof of Ownership or entitlement of a certificated security which requires original documentation or proper assignment. ( UCC 8-102 ) -Original Documentation to validate the accuracy of alleged debt. Copies or electronic reproductions are insufficient ( UCC 8-102 ) -Proof I was notified of alleged debt in a timely manner and given the opportunity to dispute, arbitrate or settle issue. \n-The business names and addresses of all entities used to verify and validate information in question to allow me to follow up","date_sent_to_company":"2025-02-24T20:52:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"12188374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-24T20:12:53.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Per 15 USC 1681e ( b ) Accuracy of Report : Experian must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or <em>removed</em> <em>within</em> 30 <em>days</em> of a formal dispute. Please verify and <em>validate</em> the following <em>accounts</em> : XXXX  XXXX : XXXX. \n{$6000.00} balance, Missing pymt. history, Last pymt date doesnt correspond with pymt summary Credit limit reporting on <em>closed</em> <em>account</em> Available credit reporting on <em>closed</em> <em>account</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.229937,"12188374"]},{"_index":"complaint-public-v1","_id":"13531500","_score":16.078403,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems has failed to provide me with proof that I received the notice for the right to dispute. This account is also inaccurately reported on my credit report and per XXXX XXXX standards and the XXXX guidelines, if an account does not meet all five of the following reporting requirements, it must not be included on my consumer report : Accurate account identification Complete and correct payment history, including Date of First Delinquency Accurate open/closed/charged-off status Valid, itemized balance information Full compliance with consumer dispute notification and resolution I am demanding an investigation and proper validation of this account. If the data furnisher can not produce : A signed lease agreement with my name on it, A full and accurate accounting of the alleged balance. \nAnd all XXXX XXXXrequired fields properly completed, Then this account must be removed from my credit report immediately. \n\nIf the information can not be verified or validated within 30 days, I demand that it be permanently deleted, per the FCRA 1681i. If it remains, I request full documentation of your method of verification.\n\nThank you for your time and prompt attention. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-15T06:01:53.000Z","issue":"Written notification about debt","sub_product":"Mortgage debt","zip_code":"77478","tags":null,"has_narrative":true,"complaint_id":"13531500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-05-15T05:50:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["an investigation and <em>proper</em> <em>validation</em> of this 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