{"took":186,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3900,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10607467","_score":22.564884,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Unlicensed Collection Agency Operating in Mississippi Dear Consumer Financial Protection Bureau , I am filing a complaint against Fair Collections and Outsourcing for attempting to collect a debt in the state of Mississippi without the proper licensing. My understanding is that Mississippi requires collection agencies to be licensed to operate within the state, and Fair Collections and Outsourcing has failed to meet this requirement. \n\nI have made attempts to verify the agencys license status, but they have not provided any proof of licensing, nor have they responded to my requests for verification. This lack of licensure and transparency has caused me significant stress and financial disruption. \n\nI kindly request the CFPBs assistance in investigating this matter to ensure that my rights are protected under both federal and state laws. I have attached copies of all communication related to this issue. \n\nThank you for your attention to this serious concern.","date_sent_to_company":"2024-10-28T04:02:21.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"390XX","tags":null,"has_narrative":true,"complaint_id":"10607467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2024-10-28T03:57:15.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Unlicensed Collection Agency Operating in Mississippi <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> , I am filing a complaint against Fair Collections and Outsourcing for attempting to collect a debt in the state of Mississippi without the <em>proper</em> licensing."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[22.564884,"10607467"]},{"_index":"complaint-public-v1","_id":"10035437","_score":22.508493,"_source":{"product":"Debt collection","complaint_what_happened":"Heres a formal complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding the issue youre facing with the \" I C System '' collection item : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unverified Collection Item on Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding an inaccurate collection item listed on my credit report. The account in question is from I C System with an open balance of {$2000.00}, opened on XX/XX/year>, as reflected on my report. The item has been placed for collection, and I have disputed it multiple times, but the creditor has failed to provide sufficient verification for the accuracy of this debt.\n\nDespite my formal dispute and request for proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, the item remains on my credit report, which is damaging to my credit score. The account is marked as Account information disputed by consumer, yet no proper resolution or removal has been made.","date_sent_to_company":"2024-09-12T14:30:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"19720","tags":"Servicemember","has_narrative":true,"complaint_id":"10035437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2024-09-07T13:49:16.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Heres a formal complaint you can submit to the <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> ( CFPB ) regarding the issue youre facing with the \" I C System '' collection item : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unverified Collection Item on Credit Report <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> , I am writing to file a formal complaint"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[22.508493,"10035437"]},{"_index":"complaint-public-v1","_id":"19886011","_score":21.768503,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Subject : Dispute of Unverified Account on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute an account that has recently been added to my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable. \n\nUpon reviewing my credit file, I noticed an account listed under Credit Corp Solutions in the amount of {$540.00}. I have not received any notification or verification that this account is accurate or valid. I request that you investigate this matter in accordance with Section 609 of the FCRA, which provides me the right to request verification of the account in question. \n\nI believe that this account should be removed from my credit file unless proper verification is provided. \n\nI appreciate your prompt attention to this matter and look forward to your response within the timeframe required by the FCRA. Thank you for helping to ensure that my credit report accurately reflects my financial history.","date_sent_to_company":"2026-03-19T11:47:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30017","tags":"Servicemember","has_narrative":true,"complaint_id":"19886011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Corp Solutions Inc.","date_received":"2026-03-02T04:35:38.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX. XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Subject : Dispute of Unverified Account on Credit Report <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am writing to formally dispute an account that has recently been added to my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable."]},"sort":[21.768503,"19886011"]},{"_index":"complaint-public-v1","_id":"12025297","_score":21.609962,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am requesting that the credit reporting agencies conduct a proper investigation into inaccuracies on my credit report, as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).\n\nAs a consumer, I have the right to have any reported information fully investigated, verified, or removed if it can not be substantiated. I am requesting the CFPB ensure that the credit bureaus comply with their legal obligations and conduct a full and fair investigation in accordance with federal law.\n\nPlease provide me with an update on the actions taken regarding this matter. I appreciate your time and assistance in upholding my rights.","date_sent_to_company":"2025-02-10T09:48:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33436","tags":null,"has_narrative":true,"complaint_id":"12025297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-10T09:13:18.000Z","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":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am requesting that the credit reporting agencies conduct a <em>proper</em> investigation into inaccuracies on my credit report, as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).\n\nAs a <em>consumer</em>, I have the right to have any reported information fully investigated, <em>verified</em>, or removed if it can not be substantiated."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.609962,"12025297"]},{"_index":"complaint-public-v1","_id":"12025329","_score":21.60032,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am requesting that the credit reporting agencies conduct a proper investigation into inaccuracies on my credit report, as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).\n\nAs a consumer, I have the right to have any reported information fully investigated, verified, or removed if it can not be substantiated. I am requesting the CFPB ensure that the credit bureaus comply with their legal obligations and conduct a full and fair investigation in accordance with federal law.\n\nPlease provide me with an update on the actions taken regarding this matter. I appreciate your time and assistance in upholding my rights.","date_sent_to_company":"2025-02-10T09:48:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33436","tags":null,"has_narrative":true,"complaint_id":"12025329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T09:48:13.000Z","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":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am requesting that the credit reporting agencies conduct a <em>proper</em> investigation into inaccuracies on my credit report, as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).\n\nAs a <em>consumer</em>, I have the right to have any reported information fully investigated, <em>verified</em>, or removed if it can not be substantiated."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.60032,"12025329"]},{"_index":"complaint-public-v1","_id":"12010970","_score":21.60032,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am requesting that the credit reporting agencies conduct a proper investigation into inaccuracies on my credit report, as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).\n\nAs a consumer, I have the right to have any reported information fully investigated, verified, or removed if it can not be substantiated. I am requesting the CFPB ensure that the credit bureaus comply with their legal obligations and conduct a full and fair investigation in accordance with federal law.\n\nPlease provide me with an update on the actions taken regarding this matter. I appreciate your time and assistance in upholding my rights.","date_sent_to_company":"2025-02-10T09:48:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33436","tags":null,"has_narrative":true,"complaint_id":"12010970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-10T09:48:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am requesting that the credit reporting agencies conduct a <em>proper</em> investigation into inaccuracies on my credit report, as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).\n\nAs a <em>consumer</em>, I have the right to have any reported information fully investigated, <em>verified</em>, or removed if it can not be substantiated."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[21.60032,"12010970"]},{"_index":"complaint-public-v1","_id":"6241314","_score":21.137072,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer Financial Protection Bureau : This complaint is against JP Morgan Chase Bank. \nThis is a complaint of discrimination in the form that I applied for a Home Loan with JP Morgan Chase Bank and gave JP Morgan Chase, my name, date of birth, and social security number to run and check for verification as well as to obtain all legal documents needed for verification such as a XXXX XXXX, and Veteran Administration verification of benefits, records, and debt with the Department of Veteran Affairs and the Department of the XXXX. Both agencies should have provided JP Morgan Chase with official and legal records to process loans # XXXX & XXXX. \nI am asking CFPB to obtain the PROPER RECORDS JP MORGAN CHASE BANK should have after using my signature, name, date of birth, and social security number that Chase Bank should have to support such organization 's reason to deny releasing such PROPER RECORDS and to deny such loan under loan # Attached is a PROPER RECORDS from JP MORGON CHASE that will need in return PROPER RECORDS to support such records and to support the reason this loan did not go through. I need PROPER PAPERWORK.\n\nI need PROPER JP MORGON CHASEs records to be provided and given to the next financial institution for a proper legal process.","date_sent_to_company":"2022-11-24T21:37:01.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"60657","tags":"Servicemember","has_narrative":true,"complaint_id":"6241314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-24T21:18:54.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> : This complaint is against JP Morgan Chase Bank."]},"sort":[21.137072,"6241314"]},{"_index":"complaint-public-v1","_id":"12555506","_score":21.056812,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against TransUnion for Incomplete and Inconsistent Reporting Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion regarding their handling of a dispute I recently submitted. The dispute concerns an account reported by XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). \n\nWhile I acknowledge the existence of this account, I have identified inconsistencies in how it is being reported, which raise concerns about XXXX verification process. Specifically : 1. Account Status : Unknown My credit report shows that the status of this collection account is Unknown, which contradicts its designation as a valid collection account. If the status is unknown, how can it be reported as a verified and accurate debt? \n2. Failure to Provide Proper Verification Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable investigation and provide sufficient documentation to verify disputed accounts. TransUnion has not provided clear verification of how they determined the accuracy of this account.\n\n3. Potential Violation of FCRA The inconsistent reporting of this account raises concerns that TransUnion did not conduct a proper investigation as required by law. The Unknown status suggests that even TransUnion may not have fully verified this account, yet they refused to correct or remove the information.","date_sent_to_company":"2025-03-19T23:23:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90260","tags":null,"has_narrative":true,"complaint_id":"12555506","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-19T23:10:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX XXXX XXXX <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against TransUnion for Incomplete and Inconsistent Reporting <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> , I am filing a formal complaint against TransUnion regarding their handling of a dispute I recently submitted. The dispute concerns an account reported by XXXX XXXX XXXX XXXX ( Account XXXX : XXXX )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.056812,"12555506"]},{"_index":"complaint-public-v1","_id":"21201356","_score":21.054451,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Demand for Compensation Due to Failure to XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally address a serious issue regarding an account managed by Portfolio Recovery Associates , LLC, under account number XXXX. On multiple occasions, I requested a debit validation and purchase agreement related to this collection in order to verify its legitimacy. Despite these requests, the proper documentation was never provided. \n\nThis failure to furnish the required validation caused significant harm to my credit profile, resulting in substantial damage. Such actions constitute a violation of the Consumer Financial Protection Bureau regulations governing debt collection practices. As a result, I am demanding compensation in the amount of {$1000.00} for this violation. \n\nPlease consider this communication a formal notice of the issue and my demand for remediation. I trust that the CFPB will take appropriate action to address this matter in accordance with regulatory guidelines. \n\nThank you for your attention to this urgent issue. \n\nSincerely, XXXX XXXX Phone : XXXX","date_sent_to_company":"2026-04-13T21:08:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"91504","tags":"Older American","has_narrative":true,"complaint_id":"21201356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2026-04-13T20:40:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Compensation Due to Failure to XXXX XXXX XXXX <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am writing to formally address a serious issue regarding an account managed by Portfolio Recovery Associates , LLC, under account number XXXX. On multiple occasions, I requested a debit validation and purchase agreement related to this collection in order to <em>verify</em> its legitimacy. Despite these requests, the <em>proper</em> documentation was never provided."]},"sort":[21.054451,"21201356"]},{"_index":"complaint-public-v1","_id":"12739370","_score":20.939352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports. \n\nAccount Information : Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Issue : Recent late payment reported without proper notice or verification Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 609 ( a ) ( 1 ) : Failure to provide proper validation of the alleged late payment XXXXXXXX XXXX XXXX XXXXXXXX has reported a recent late payment on this account without providing me proper notice, verification, or signed documentation substantiating the delinquency. This reporting is harmful and inaccurate.","date_sent_to_company":"2025-04-01T02:44:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"12739370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-01T02:39:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.939352,"12739370"]},{"_index":"complaint-public-v1","_id":"8010044","_score":20.918993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent response from Experian Information Solutions Inc., dated XXXX XXXX XXXX, which states that they have swiftly verified the inaccuracies on my credit report. It is crucial to emphasize that the disputed information is the result of identity theft, and its fraudulent nature raises serious questions about the thoroughness and compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \n\nThe expedited verification process, especially considering the fraudulent nature of the information, prompts me to seek further clarification on the procedures followed by Experian. According to my understanding of the FCRA, a credit reporting agency is obligated to conduct a reasonable investigation, including contacting the furnisher of the disputed information, within 30 days of receiving a dispute. The rapid response from Experian, given the fraudulent context, calls into question the integrity and legality of their verification process. \n\nI urgently request that the Consumer Financial Protection Bureau investigates the expedited verification of the fraudulent information by Experian. It is essential to ensure that Experian followed proper procedures in line with the FCRA and FDCPA during this recent update. \n\nEnclosed are copies of my correspondence with Experian, including their verification response dated XXXX XXXX XXXX. Your prompt attention to this matter is crucial in safeguarding consumer rights and addressing potential violations in the verification process. \n\nI appreciate your immediate assistance and commitment to upholding consumer rights in credit reporting. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-12-15T19:34:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"856XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8010044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-15T19:27:05.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am writing to express my deep concern regarding the recent response from Experian Information Solutions Inc., dated XXXX XXXX XXXX, which states that they have swiftly <em>verified</em> the inaccuracies on my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.918993,"8010044"]},{"_index":"complaint-public-v1","_id":"12739526","_score":20.908463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports. \n\nAccount Information : Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Issue : Recent late payment reported without proper notice or verification Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 609 ( a ) ( 1 ) : Failure to provide proper validation of the alleged late payment XXXXXXXX XXXX XXXX XXXXXXXX has reported a recent late payment on this account without providing me proper notice, verification, or signed documentation substantiating the delinquency. This reporting is harmful and inaccurate.","date_sent_to_company":"2025-04-01T02:44:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"12739526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-01T02:43:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[20.908463,"12739526"]},{"_index":"complaint-public-v1","_id":"12739524","_score":20.908463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports. \n\nAccount Information : Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Issue : Recent late payment reported without proper notice or verification Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 609 ( a ) ( 1 ) : Failure to provide proper validation of the alleged late payment XXXXXXXX XXXX XXXX XXXXXXXX has reported a recent late payment on this account without providing me proper notice, verification, or signed documentation substantiating the delinquency. This reporting is harmful and inaccurate.","date_sent_to_company":"2025-04-01T02:44:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"12739524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-01T02:43:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.908463,"12739524"]},{"_index":"complaint-public-v1","_id":"13921571","_score":20.755726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against TransUnion for Failure to Provide Proper Verification Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding its failure to properly verify disputed information in my credit report, despite multiple requests. This marks the third time that TransUnion has disregarded my demand for actual documentation and instead relied on automated processing methods that fail to provide meaningful proof. \n\nAdditionally, it has now been over 30 days since my initial request, and TransUnion has failed to provide any response or the required documentation. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to complete investigations within 30 days and provide appropriate verification. TransUnions continued lack of compliance is a direct violation of my consumer rights.\n\nThis delay has significantly impacted my ability to secure a mortgage, and I find TransUnions response to be both inadequate and dismissive of its legal obligations. I am requesting that the CFPB intervene to hold TransUnion accountable and ensure they comply with the FCRA by providing the proper documentation to verify the disputed information. \n\nPlease advise on the necessary steps to resolve this matter as quickly as possible. I appreciate your assistance in ensuring proper compliance from TransUnion.","date_sent_to_company":"2025-06-05T14:58:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"13921571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T14:53:08.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Against TransUnion for Failure to Provide <em>Proper</em> <em>Verification</em> <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am writing to formally lodge a complaint against TransUnion regarding its failure to properly <em>verify</em> disputed information in my credit report, despite multiple requests. This marks the third time that TransUnion has disregarded my demand for actual documentation and instead relied on automated processing methods that fail to provide meaningful proof."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.755726,"13921571"]},{"_index":"complaint-public-v1","_id":"9316790","_score":20.628588,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Against OneMain Financial Group LLC for Unlawful Wage Garnishment Practices. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX ] Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against OneMain Financial Group LLC for their improper and unlawful attempts to garnish my wages without proper notification and due process. My rights as a consumer have been violated, and I request a thorough investigation into this matter. \n\nOn XX/XX/2024, I was informed by my employer that they received a notice from OneMain Financial Group LLC to garnish my wages for the amount of {$2600.00}. To my shock, I had never been properly served with any court documentation regarding a debt collection lawsuit. I was not informed of a court date, and consequently, I was deprived of the opportunity to respond or defend myself in court. This lack of proper notification and service is a clear violation of my rights and the due process provided under the law. \n\nAs a consumer, I rely on the protections afforded to me by the court system, including the right to be properly notified of any legal actions taken against me. OneMain Financial Group LLC has disregarded these essential procedural safeguards, thereby infringing upon my legal rights. \n\nI am requesting that the Consumer Financial Protection Bureau immediately intervene in this matter. Specifically, I request the following actions : 1. Immediate Suspension of Wage Garnishment : Halt the garnishment of my wages by OneMain Financial Group LLC until they can demonstrate that they have complied with all legal requirements for proper service of court documents.\n\n2. Investigation into OneMain Financial Group LLC : Conduct a thorough investigation into the practices of OneMain Financial Group LLC to ensure they are adhering to all legal standards and consumer protection laws.\n\n3. Verification of Proper Notification Procedures : Ensure that OneMain Financial Group LLC follows proper court procedures and notifies consumers adequately, providing them the opportunity to respond to any debt collection attempts. \n\nI believe that this organization has acted in bad faith and has violated my consumer rights. Your prompt attention to this matter is crucial to prevent any further unjust financial harm to myself and potentially other consumers who may be facing similar issues. \n\nPlease confirm receipt of this complaint and provide updates on the progress of your investigation. I am available to provide any additional information or documentation required to support my complaint. \n\nThank you for your assistance in protecting consumer rights and ensuring fair treatment.","date_sent_to_company":"2024-06-21T21:23:57.000Z","issue":"Written notification about debt","sub_product":"Payday loan debt","zip_code":"90640","tags":null,"has_narrative":true,"complaint_id":"9316790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-06-21T21:06:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Against OneMain <em>Financial</em> Group LLC for Unlawful Wage Garnishment Practices. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX ] <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am writing to formally lodge a complaint against OneMain <em>Financial</em> Group LLC for their improper and unlawful attempts to garnish my wages without <em>proper</em> notification and due process."]},"sort":[20.628588,"9316790"]},{"_index":"complaint-public-v1","_id":"14956306","_score":20.570683,"_source":{"product":"Debt collection","complaint_what_happened":"To : Consumer Financial Protection Bureau Subject : Complaint Against National Credit Systems for Failure to Provide Debt Verification Dear CFPB, I am filing this complaint against National Credit Systems ( NCS ) for failing to provide proper verification of a debt, despite multiple requests.\n\nI initially requested verification of the alleged debt after receiving a collection notice from NCS. However, rather than supplying supporting documentationsuch as a copy of the original contract, itemized charges, or evidence that I owe the debtthey merely responded that the debt had been verified. This is not sufficient under the Fair Debt Collection Practices Act ( FDCPA ).\n\nI followed up several times in writing, clearly requesting proper documentation. Each time, NCS continued to respond with vague statements or summaries, never providing the required verification. Despite this, they have continued collection efforts and may have reported the debt to credit bureaus.\n\nThis conduct is a violation of the FDCPA, which requires debt collectors to cease collection until\nproper verification is provided upon request. I am requesting that the CFPB investigate this matter and take appropriate action to ensure NCS complies with federal law.\n\nI can provide copies of all correspondence upon request. \n\nThank you for your assistance.","date_sent_to_company":"2025-07-29T15:21:28.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14956306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-07-29T15:13:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["To : <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> Subject : Complaint Against National Credit Systems for Failure to Provide Debt <em>Verification</em> <em>Dear</em> CFPB, I am filing this complaint against National Credit Systems ( NCS ) for failing to provide <em>proper</em> <em>verification</em> of a debt, despite multiple requests.\n\nI initially requested <em>verification</em> of the alleged debt after receiving a collection notice from NCS."]},"sort":[20.570683,"14956306"]},{"_index":"complaint-public-v1","_id":"12023445","_score":20.376862,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX, XXXX, XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX identity theft I have requested detailed explanations and evidence of the verification process from the credit bureau XXXX but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. \nI request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. \nThank you for your assistance in resolving this matter. \nSincerely XXXX XXXX","date_sent_to_company":"2025-02-10T04:51:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"12023445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-02-10T04:51:36.000Z","state":"IL","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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XX/XX/year> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes <em>Dear</em> CFPB, I am writing to file a formal complaint against XXXX, XXXX, XXXX regarding unresolved inaccuracies on my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company":["TRUIST <em>FINANCIAL</em> CORPORATION"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.376862,"12023445"]},{"_index":"complaint-public-v1","_id":"12184410","_score":20.257591,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12184410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-23T16:23:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[20.257591,"12184410"]},{"_index":"complaint-public-v1","_id":"12184419","_score":20.257498,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12184419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-23T15:56:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.257498,"12184419"]},{"_index":"complaint-public-v1","_id":"12180712","_score":20.233269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12180712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-23T16:23:57.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em>, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.233269,"12180712"]},{"_index":"complaint-public-v1","_id":"12501241","_score":20.164152,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Letter XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Discover Bank for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am filing this complaint against Discover Bank regarding their inaccurate reporting of a charge-off on my credit report. Despite my previous disputes, Discover has failed to provide valid documentation verifying the accuracy of this negative account. \nAccount Information : * Creditor : Discover Bank * Account Number : Ending in XXXX * Charge-Off Date : XX/XX/year> * Amount Reported : {$9100.00} Nature of the Complaint : 1. Failure to Verify Account Information * Under the Fair Credit Reporting Act ( FCRA ), creditors must ensure that the information they report is accurate and verifiable.\n\n* I requested validation of this debt from Discover, but they have failed to provide original signed agreements, payment history, or sufficient documentation proving their claims.\n\n2. Lack of Proper Notification Before Charge-Off * Discover did not provide me with proper notice before reporting this account as a charge-off.\n\n* Under FCRA regulations, creditors must notify consumers before taking such actions.\n\n3. Inconsistent and Potentially Incorrect Reporting * The reported balance, delinquency dates, and payment history do not match my records.\n\n* Discover continues to report disputed information, but they have not provided supporting evidence to confirm its accuracy.\n\nResolution Sought : 1. Require Discover Bank to provide full verification of the debt, including signed agreements and detailed payment records.\n\n2. If Discover can not verify the accuracy, I request that this charge-off be removed from my credit report immediately.\n\n3. Ensure Discover is compliant with FCRA regulations regarding proper reporting and consumer notification.\n\nI have already disputed this account directly with Discover and the credit bureaus, but they have refused to make corrections. I am now seeking CFPB intervention to hold them accountable.\n\nSupporting Documentation : * Copy of my credit report showing the disputed charge-off.\n\n* Correspondence with Discover Bank rejecting my dispute.\n\n* Proof of my identity ( ID and address verification ). \nThank you for your assistance. I request a thorough investigation into this matter and a written response regarding any corrective actions taken. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-15T16:27:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30019","tags":null,"has_narrative":true,"complaint_id":"12501241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-03-15T16:21:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> ( CFPB ) Complaint Letter XXXX XXXX XXXX XXXX XXXX, GA XXXX <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Discover Bank for Inaccurate Credit Reporting <em>Dear</em> <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> , I am filing this complaint against Discover Bank regarding their inaccurate reporting of a charge-off on my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[20.164152,"12501241"]},{"_index":"complaint-public-v1","_id":"14439385","_score":20.043383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> CFPB Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Unverified and Fraudulent Accounts on Credit Report FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against several financial institutions and credit reporting agencies for their continued reporting and failure to remove fraudulent and unauthorized accounts from my credit reports, despite my repeated disputes and lack of verified documentation. This situation has caused significant harm to my credit profile and peace of mind. The accounts in question include : ALLY FINANCIAL ( Auto loan Charge-off ) CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX. Summary of Complaint : I did not open or authorize any of these accounts. I was not the primary account holder, nor did I sign any documentation assuming financial responsibility. My personal information was compromised during the Equifax data breach, which I believe may have resulted in identity theft. I submitted disputes to the credit reporting agencies and requested validation from the furnishers under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), and Fair Debt Collection Practices Act ( FDCPA ). Despite these efforts, the disputed items remain on my credit reports. The furnishers and bureaus have failed to provide any evidence or proper verification ( e.g., signed contracts, applications, or identification ) proving that I am responsible for these debts. Under FCRA, any information that can not be verified must be deleted. Relief Requested : I respectfully request that the CFPB assist in the following : Investigate the improper reporting of these accounts. Ensure that the credit reporting agencies comply with FCRA requirements and remove any unverified or fraudulent items. Require the furnishers to provide proper documentation or immediately delete the accounts if they are unable to verify ownership. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-03T22:54:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38018","tags":null,"has_narrative":true,"complaint_id":"14439385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-07-03T22:54:26.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> CFPB <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company":["ALLY <em>FINANCIAL</em> INC."]},"sort":[20.043383,"14439385"]},{"_index":"complaint-public-v1","_id":"19946724","_score":20.042297,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Failure to Provide Debt Validation by Credit Bureaus and Furnishers Dear Sir or Madam, I am submitting this formal complaint to request assistance and regulatory review regarding the ongoing failure of credit reporting agencies and data furnishers to provide proper debt validation, despite my repeated written requests over the past three to four years. \n\nBeginning in approximately XXXX thru XXXX, I have consistently exercised my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by submitting written debt validation and verification requests to the major credit bureaus and various data furnishers reporting accounts on my consumer credit reports. \n\nDespite these repeated requests, I have not received the required documentation validating the alleged debts. Specifically, the credit bureaus and furnishers have failed to provide : - Original signed contracts or agreements- Complete account histories - Proof of ownership or assignment of the debt - Evidence that the information reported is accurate, complete, and verifiable In many instances, the responses received consisted of generic statements indicating the accounts were verified, without providing any supporting documentation as required by law. In other cases, no response was provided at all. Nevertheless, the disputed accounts continue to be reported on my credit file, causing ongoing financial and reputational harm. \n\nThis prolonged failure to properly validate or correct disputed information appears to be a systemic violation of consumer protection laws and has negatively impacted my ability to obtain credit, secure favorable interest rates, and maintain financial stability. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the involved credit bureaus and furnishers to : 1. Provide full and proper debt validation documentation as required by law, or 2. Permanently delete the unvalidated accounts from my credit reports Thank you for your time and attention to this matter. I am prepared to provide copies of correspondence, dispute letters, and credit reports upon request. \n\nSincerely, XXXX XXXX Additional information provided by consumer : XXXX Company Name : Jefferson Capital Systems XXXX","date_sent_to_company":"2026-05-05T13:57:58.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"19946724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-03-03T22:40:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Failure to Provide Debt Validation by Credit <em>Bureaus</em> and Furnishers <em>Dear</em> Sir or Madam, I am submitting this formal complaint to request assistance and regulatory review regarding the ongoing failure of credit reporting agencies and data furnishers to provide <em>proper</em> debt validation, despite my repeated written requests"]},"sort":[20.042297,"19946724"]},{"_index":"complaint-public-v1","_id":"12275772","_score":19.910542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> To : ( CFPB ) Consumer Financial Protection Bureau Subject : Formal Dispute Regarding Inaccurate Information On my Credit Report Dear, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a formal investigation into these inaccuracies, as required by federal law Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for their failure to properly investigate consumer disputed, citing XXXX XXXX  and other harmful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. \nFailing to notify consumers about investigation results effectively. \nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a similar manor. \nPlease review the inaccurate information being reported. \n1. Under the FCRA, you are required to conduct a proper investigation into my dispute 2. Inform me of the results if the investigation 3. Ensure the accuracy of the information If the investigation concludes that the information can not be verified or remain inaccurate, I request the immediate removal or correction of this information from my credit report Furthermore, I request written confirmation of the actions you take in response to this dispute. \nI look forward to your response Thank you for addressing this matter promptly Sincerely XXXX XXXX XXXX XXXX SS # XXXX --","date_sent_to_company":"2025-03-11T12:43:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"12275772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-01T21:37:04.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/year> To : ( CFPB ) <em>Consumer</em> <em>Financial</em> <em>Protection</em> <em>Bureau</em> Subject : Formal Dispute Regarding Inaccurate Information On my Credit Report <em>Dear</em>, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my <em>financial</em> well-being."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.910542,"12275772"]},{"_index":"complaint-public-v1","_id":"12275679","_score":19.894756,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> To : ( CFPB ) Consumer Financial Protection Bureau XXXX : Formal Dispute Regarding Inaccurate Information On my Credit Report Dear, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. 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