{"took":110,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5189688","_score":31.339937,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I mailed a dispute letter, and security freeze request, certified mail tracking # XXXX, that shows delivered on XX/XX/2022. I can not recall receiving dispute results or a confirmation letter saying my dispute letter was received and they are working on my dispute ; the security freeze has been placed.","date_sent_to_company":"2022-02-05T21:23:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60634","tags":null,"has_narrative":true,"complaint_id":"5189688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2022-02-05T20:37:24.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I mailed a <em>dispute</em> <em>letter</em>, and security freeze request, certified mail tracking # XXXX, that shows delivered on XX/XX/2022. I can not <em>recall</em> <em>receiving</em> <em>dispute</em> <em>results</em> or a <em>confirmation</em> <em>letter</em> <em>saying</em> my <em>dispute</em> <em>letter</em> was received and they are working on my <em>dispute</em> ; the security freeze has been placed."]},"sort":[31.339937,"5189688"]},{"_index":"complaint-public-v1","_id":"3346224","_score":7.4299855,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Wells Fargo – Claim/Check Fraud Claim Dept. Deceptive and Abusive Practice on MeXX/XX/2019 Summary:Claim/Check Fraud Claim Department in Wells Fargo (W.F.) hold my money taken out of my Wells Fargo checking account supposed to pay XXXX for 55 days (from XX/XX/2019 to XX/XX/2019) without informing me; ruined my credit reports and FICO  scores, caused me financial loss, stress, health problem, and huge amount of time spent disputing against XXXX  and three credit bureaus without knowing the W.F. Claim/Fraud Claim Department had my money in their hands all the time.  On XX/XX/2019, when I was checking other item in my W. F. checking account, as I don’t check my checking account often, but only on the need basis, I indecently found that W.F. Claim/Fraud Claim Department sneakily put the money supposed to pay XXXX to my checking account with the date of XX/XX/2019 without informing me, ruining my life further as I called them to send the money to XXXX but they refused. Request the help from CFPB to reach the following:1.\tRequest W.F. Claim/Check Fraud Claim Department to send the originalXX/XX/2019 check electronically to XXXX, because it belongs to XXXX and authorized by me in XX/XX/2019 asap2.\tClean up the negative information in my credit reports caused by this in all three Credit Bureaus - XXXX, XXXX, and XXXX, to recover my FICO  scores to the previous XXXX  as exceptional3.     Put in writing what has happened in W.F. Check Fraud Claim Department for holding my money for 55 days since XX/XX/2019 I withdrew the investigation claim and authorized by me to pay XXXX  in XX/XX/2019, and keeping me in the dark; and send the writing to me and XXXX with apology4.\tCompensate the time, stress, loss, and sufferings I have endured for this incident caused by W.F. Claim/Check Fraud Claim DepartmentDear Consumer Financial Protection Bureau:I am filing this complaint against Claim/Check Fraud Claim Department in Wells Fargo for its deceptive and abusive practice on me. They hold my money taken out of my Wells Fargo checking account for 55 days from XX/XX/2019 to XX/XX/2019 without informing me, which is supposed to pay XXXX.  Their dishonest and unfair practice has ruined my credit report and score, caused my financial loss, stress, health problem, and huge amount of time spent disputing against XXXX and three credit bureaus without knowing the W.F. Claim/Fraud Claim Department had my money in their hands all the time. The following is the timeline for what has happened so far: 1.\tXX/XX/2019, Thursday: When I checked my W.F. checking account, I found there was the check #XXXX, which is not my check number, with $XXXX taken from my account on XX/XX/2019, which has no check image.  I called W.F. Customer Service line talked to W.F. representatives XXXX, XXXX, and XXXX, but none of them could see the check image either, and could not tell pay to whom either.  I could not recognize the check nor recall what it was at that time, and was afraid some fraud and asked one of the representatives what I should do.  XXXX  opened an investigation claim #XXXX for me. Also instructed me to call W.F. Claim Dept. the next morning because the Dept. was closed at that time onXX/XX/2019.2.\tXX/XX/2019, Friday: a.\tXXXX XXXX Called W.F. Claim Dept. talked to XXXX.  XXXX could see the check image and said it is from XXXX  electronic check.  She also advised me to follow up with Fraud Claim Dept. a few days late with the number of XXXX. Note: On XX/XX/2019I was told that this number is Claim Dept.’s, and Fraud Claim Dept. has no phone line with customers.b.\tXXXX XXXX Called XXXX and talked to XXXX and XXXX, found out it was my XX/XX/2019purchase using XXXX   store card, and it was an electronic auto pay, but  I had never seen before, since I has always pay by personal check after I received the bill in mail from XXXX.  When I asked them why I have not received my XXXX bill in mail in June, they said they sent (I had never received) but would resent the bill to me again.  I also told them I had opened an investigation claim in W.F. and now needed to withdraw it, also suggest next time XXXX need to show at least “pay to XXXX” in electronic check to avoid the confusion like this.c.\tAfter lunch called W.F. Claim Dept. talked to XXXX to withdraw investigating claim #XXXX. XXXX told me she withdrew and cancelled the claim.  When I asked her what else I need to do, she told me nothing I need to do because she withdrew/cancelled the claim already while we were talking over the phone.3.\tXXXX, Friday: Called W.F. Claim Dept. XXXX talked to XXXX to follow up the withdrawing the claim. XXXX said the following:a.\tThe original investigation claim #XXXX was replaced by new claim #XXXXb.\tNew claim #XXXX  would need 2 days to finish the withdrawing process, XX/XX/2019, Friday, and XX/XX/2019, Mondayc.\tNobody from W.F. would take XXXX money since I requested withdrawd.\tNo need for me to call XXXX4.\tNever heard anything from W.F. Claim Dept. or W.F. Fraud Claim Dept. any more since XX/XX/2019 after I talked to XXXX  over the phone.  There was no returning of $XXXX  coming back to my W.F. checking account either.  I believed the withdrawn/cancellation of the claim was done successfully.5.\tXX/XX/2019, Thursday:a.\tGot XXXX collector answering message on my home phone to collect money I owe them plus penalty with total of $XXXX I got shocked and did not know what has happened.b.\tCalled XXXX and talked to XXXX, XXXX, XXXX, and others, from Customer Services and deduct the money from my W.F. checking account, and without returning. XXXX  asked me to fax my pay information to XXXX Payment Research Team as the evidence, because they told me that XXXX did not get my money.  c.\tXXXX XXXX, called W.F. and talked to XXXX that XXXX did not get my money.  XXXX opened a new claim #XXXX, to trace where my $XXXX taken from my W.F. checking account on XX/XX/2019  is.6.XX/XX/2019, Friday:a.\tXXXX emailed me the warning: Three credit bureaus posting the negative information on my credit report with 30 days delinquency on XXXX store credit card, and XXXX also decrease my FICO  score from XXXX to XXXX  because of this information (I am the member of XXXX but not the other two.  I can only see the FICO  score drop in XXXX   but not the other two, but I believe the same range drop.)d.\tXXXX XXXX, called W.F. and talked to XXXX for new claim #XXXX to trace where my money $XXXX taken from my W.F. checking account on XX/XX/2019 is since XXXX  said they did not get it.  XXXX told me she sent the my auto pay my money $XXXX taken from my W.F. checking account on XX/XX/2019 to the W.F. branch near me, and I can go to the W.F. Branch in person to fax it to XXXX.b.\tBefore or around lunch time, went to W.F. Branch near my home, the reprehensive young gentleman helped me to get the pay image (front and back) internally received and faxed to Attn: XXXX Payment Research Team with the fax #XXXX, also with a W.F. cover page for the fax.c.\tXXXX XXXX, called XXXX Customer Service XXXX, and informed her my payment information had just faxed to XXXX. But she told me I need to call XXXX Credit Dept.d.\tXXXX XXXX, called XXXX Credit Dept., Talked to XXXX  and XXXX, to inform them I faxed my payment info to XXXX, and requested stop the collector’s call from XXXX while the dispute was going on.e.\tFrom XXXX XXXX to XXXX XXXX, researched three Credit Bureaus websites, contact information, and on how to open disputes with them.7.XX/XX/2019, Sunday:a.\tFrom XXXX to XXXX XXXX, reviewed XXXX Information and detailed three Credit Bureaus 30 days delinquency information in XX/XX/2019 as reported.8.\tXX/XX/2019, Monday:a.\tOpened the dispute with XXXX online with dispute report #XXXX, saying I have already paid on XX/XX/2019.b.\tCalled XXXX at XXXX, waited almost one hour, and opened the dispute with XXXX with dispute confirmation #XXXX, saying I have already paid on XX/XX/2019c.\tCalled XXXX, waited almost one hour, and opened the dispute with XXXX  with dispute file #XX/XX/XXXX, saying I have already paid on XX/XX/2019d.\tSent by US Post Office mail the payment image of $XXXX  paid on XX/XX/2019 to three Credit Bureaus as the evidence requested by them9.\tXX/XX/2019, Tuesday:a.XXXX XXXX called XXXX and talked to XXXX, and she told me that my payment was returned on XX/XX/2019, and transferred me to XXXX Dispute Dept. Told me: Dispute was pending, still investigationb.\tAfternoon called W.F. Reconciliation/Correction Dept. and talked to XXXX.  XXXX said:1)\tClaim #XXXX to trace where my XX/XX/2019 $XXXX was still open2)\tChecked there was no returned $XXXX to my checking account3)\tWhen I asked if it is possible that the $XXXX is in somewhere else in W.F., and I got the answer “No”.  4)\tWhen I asked what else I can do for this, I was advised “sue [XXXX]”. 10.\tXX/XX/2019, Wednesday:a.\tXXXX XXXX called XXXX, waited for almost one hour, and talked to XXXX asking for dispute status update.  Answer: Pending.  Sent me the current Credit Report by mailb.XXXX XXXX called XXXX, waited for almost one hour, and talked to a young gentleman asking for dispute status update.  Answer: Pending.  c.\tXXXX XXXX got XXXX email my dispute complete.  Logged in and saw all the negative info still there.  Submitted a new dispute online11.\tXX/XX/2019, Thursday:a.\tXXXX XXXX called XXXX Credit Dept. and talked to XXXX, was told XXXX gave me $XXXX credit back and now my balance is $XXXX.  Requested XXXX phone number and got the answer “don’t know”.  Requested XXXX to put the note of faxed payment info to XXXX  and to speed up the investigation where my payment is, into XXXX   system.b.\tXXXX XXXX called W.F. Claim Dept. XXXX and talked to XXXX.  XXXX said:1)\tThe claim #XXXX to trace where myXX/XX/2019 $XXXX was had been closed2)\tBased on the trace result, W.F. has not received $XXXX  returned from XXXX as XXXX claimed3)\tW.F. is sending the payment check image information in mail to my home addressc.\tReceived XXXX billing statement letter in the evening, it still says that I owe XXXX $XXXX, which is different from what XXXX told me over the phone earlier today12.\tXX/XX/2019, Friday:a.\tXXXX XXXX called XXXX Credit Dept. and talked to XXXX and asked the bill statement letter I received yesterday evening, and the status of dispute and where my payment goes. XXXX: 1)\tIgnore the letter because it is old2)\tNo dispute status update, and XXXX is still investigatingb.\tXXXX XXXX called XXXX to ask dispute status and if they received my payment info by mail.  XXXX: 1)\tNot received yet2)\tNo status updatec.\tXXXX XXXX  called XXXX Credit Dept. and talked to XXXX.  XXXX:1)\tNow sees my payment info received by XXXX in their system2)\tWorking on clean up to make the billing to $XXXX  balance3)\tUpdates my payment status so that Credit Bureaus can clean up the negative credit report4)\tXXXX XXXX received XXXX letter requested me to fax my payment info again (W.F. faxed my payment info to XXXX  on XX/XX/2019 already)d.\tXXXX XXXXM called XXXX Credit Dept. and talked to XXXX why I need to fax my payment info to XXXX again.  XXXX:1)\tReceived my payment info and now XXXX is still investigating, not sure why2)\tNeed to take 1-2 business cycle to solve3)\tXXXX XXXX email to XXXX (XXXX) to tell them I have already faxed my payment info, need to know where my $XXXX goes, and clarification from XXXXe.\tXXXX XXXX  faxed again my payment image front and back got from W.F. andXX/XX/2019W.F.’s fax cover page to XXXX fax #XXXX 13.\tXX/XX/2019, Saturday:Online checked XXXX: a.\tMy FICO increased from XX/XX/2019’s XXXX  (decreased from original XXXX  because of the “delinquency” pay to XXXX   reported) to XXXXb.\tCredit report shows delinquency is still in XX/XX/XXXX, but not in XX/XX/XXXX14.\tXX/XX/2019, Sunday:a.\tXXXX XXXX Online check XXXX update via XXXX: XXXX account bal: $XXXX, but still delinquency in XX/XX/XXXXb.\tXXXX XXXX email from XXXX: Dispute Confirmation #XXXX complete but still showing delinquency and other negative info.  Called XXXX and talked to XXXX  to open a new dispute with confirmation #XXXX 15.\tXX/XX/2019, Monday:a.XXXX XXXX online opened a new dispute with XXXX requesting remove delinquency and other negative info from credit reportb.\tXXXX XXXX called XXXX Credit Dept. and talked to Smart and Credit Manager XXXX.  XXXX  setup a conference meeting with W.F. Claim Dept. XXXX, me and XXXX.  In the conference call, when XXXX asked XXXX has my XX/XX/XXXX payment to XXXX got reversal in W.F., XXXX  said twice “there is no Reversal”. XXXX also gave me the W.F. #XXXX  which is W.F. Claim Dept. number, if I ever need to follow up. XXXX  told me that she would report today’s conference meeting result to XXXX high-up management.c.\tXXXX XXXX called XXXX  and talked to XXXX.  XXXX: My dispute file XXXX is still open and waiting for XXXX investigation resultd.\tXXXX XXXX called XXXX and talked to XXXX to request to put the evidence that W.F. told XXXX Credit Manager XXXX   there is no reversal to W.F. for my XX/XX/2019 payment to XXXX in today XXXX XXXX conference call.e.\tXXXX XXXX check dispute status with XXXX via XXXX  alert.  Negative delinquency still in, and account bal is $XXXX16.\tXX/XX/2019, Tuesday:a.\tReceived XXXX Credit Report as of XX/XX/2019 in the mail. All the negative delinquency info still in and Account Bal: $XXXX, and Amount Due is $XXXXb.\tXXXX XXXX called XXXX Credit Dept. XXXX  asking dispute status.  XXXX: XXXX Credit Manager XXXX will contact me for the result of XXXX  investigation17.\tXX/XX/2019, Wednesday:XXXX XXXX I went to W.F. Branch near me in XXXX XXXX VA, in person, and talked to branch manager XX/XX/XXXX.  He called XXXX  Credit Dept. and talked to XXXX  lady representative with me sitting there.  XX/XX/XXXX verified that there is no returning of check from XXXX after I paid $XXXX to CitiBank XXXX.  Around XXXX noon time, XXXX faxed the same electronic check image to XXXX fax #XXXX, with cover page message: “$XXXX Paid from XXXX XXXX   electronically to XXXX on XX/XX/2019Check #XXXX.  Check was not returned to Wells Fargo”, per the request from XXXX on the phone.18.\tXX/XX/2019, Thursday:XXXX XXXX called XXXX Credit Dept. and talked to XXXX Credit Manager XXXX about the dispute/investigation status.  XXXX XXXX is in the progress to clean up to get my account balance to $XXXX, and clean up the delinquency info, then inform three credit bureaus to clean up my credit reports, but the process takes time19.\tXX/XX/2019, Friday: a.\tXXXX XXXX called XXXX and talked to XXXX to request removing delinquency and other negative info from credit report, based on XXXX latest info, and account bal should be $XXXXb.\tXXXX XXXX called XXXX and talked to XXXX to request removing delinquency and other negative info from credit report, based on XXXX latest info, and account bal should be $XXXX20.\tXX/XX/2019, Saturday: a.\tXXXX XXXXM got XXXX email saying the Dispute complete.  Online checked still see delinquency and account bal $XXXX   there.b.XXXX XXXX requested a new Dispute to be opened to clean up negative information from my credit report21.\tXX/XX/2019, Monday: XXXX XXXX XXXX Credit Manager XXXX called me. XXXX:The following two credit bureaus will clean up the negative info in my credit reports and set account bal to $XXXX:XXXX: Control #XXXXXXXX Ref #XXXXStill waiting for XXXX22.\tXX/XX/2019, Wednesday:a.\tXXXX XXXX called XXXX Credit Dept. and talked to XXXX.  XXXX: XXXX will contact me by calling.  She is still waiting for the back office.  The dispute process has not solved.b.XXXX PM called XXXX and talked to XXXX after receiving email from them saying the dispute conf #XXXX  is complete, but the system still listing $XXXX account bal.  XXXX: open a new dispute conf #XXXX to clean upc.\tXXXX XXXX called XXXX and talked to XXXX.  XXXX: still investigating, all the negative info still in credit report.d.\tXXXX XXXX XXXX XXXX called me: she is still monitoring the dispute.  I told her the two credit bureaus credit reports are still not fully cleaned upe.\tXXXX XXXX checked XXXX dispute online, still has delinquency and account bal $XXXX. Called XXXX and talked to XXXX opened a new dispute report #XXXX requesting clean up23.\tXX/XX/2019, Thursday:a.XXXX XXXX looked my W.F. checking account for salary deposit, but incidentally found there is a “XX/XX/2019 +$XXXX” from W.F. check “Fraud Claim Credit”.  I was shocked and angry that W.F. Check Fraud Claim department has hold my money for 55 days in their hands in W.F. and kept me in the dark to cause me so much pain, time, and sufferings, and now they sneakily to put this money into my checking account using the investigation claim I withdrawn and assured the withdrawn by Claim Dept. in June, 2019.  This is totally deceptive and abusive on me.b.\tXXXX XXXX called W.F. Claim Dept. and talked to XXXX about my finding.  XXXX: I am in the W.F. Correction Dept., and this belongs to Fraud Claim Dept., and then transferred me to Fraud Claim Dept. c.\tXXXX XXXX talked to W.F. Claim Dept. XXXX  and requested W.F. Claim Dept. to send the original XX/XX/2019 check electronically to XXXX, because it belongs to XXXX and authorized by me in XX/XX/2019.  XXXX: No, we can’t.  You do.  She also read from notes in the system that the XX/XX/XXXX  withdrawn of the investigation was late and they have to continue.  When I asked her why W.F. Claim Dept. did not inform me all the time, and why XX/XX/XXXXis late, XXXX could not answer, then transferred me to Claim Assistant Center.d.\tXXXX XXXX talked to W.F. Claim Assistant Center Specialist XXXX.  XXXX: Escalated to investigator to respond.  Will contact me within 3 hours.  Repeated my request asking W.F. Claim Dept. to send the original XX/XX/2019 check electronically to XXXX, because it belongs to XXXX  and authorized by me in XX/XX/2019, and got the answer no.e.\tXXXX XXXX called W.F. Claim Dept. and talked to XXXX.  XXXX: Need to wait for investigator for 24 to 48 hours, not as XXXX said 3 hours.  Repeated my request asking W.F. Claim Dept. to send the original XX/XX/2019 check electronically to XXXX, because it belongs to XXXX and authorized by me in XX/XX/2019, and got the answer no.f.\tXXXX XXXX called W.F. Compliant phone and talked to XXXX.  She created an Exe Office case #XXXX, and said I can contact them tomorrow.24.\tXX/XX/2019, Friday:a.\tXXXX XXXX called W.F. Claim Dept. and talked to XXXX who told me she is Debit Specialist but can listen and pass my message regarding my compliant.  She said based on the investigators email she just got “…it was too late to withdraw the investigation claim…”. When I asked why  XXXX withdrawn is too late, and why W.F. Fraud Claim Dept. hold my money for 55 days without informing me to cause me so much pain, time, and sufferings, she could not answer.  Repeated my request asking W.F. Claim Dept. to send the original XX/XX/2019 check electronically to XXXX, because it belongs to XXXX and authorized by me in XX/XX/2019, and not got yes answer.b.\t6 PM called W.F. EXE Office and talked to XXXX for case #XXXX.  She listened but told me that my case is in the queue waiting, and there are “hundreds and thousands cases in front my case. Once it is my case’s turn, there will be assignment for as case manager, and she is not my case manager.  Each case needs 10 business to solve.”  Based on her information, I would need to wait for 2 more years to get my case processed – Huge disappointment if I could solve this within W.F.25.XX/XX/2019, Monday:XXXX XXXX W.F. Check Fraud Dept. XXXX called me: Her Dept. cannot send check to XXXX and I need to send the check to XXXX.I asked her why her Dept. hold my money for 55 days and kept me in the dark to cause me so much pain, stress, time, and suffering; why sneakily put the money in my checking account without informing me; why her Dept. ignore my authorized check to pay XXXX and withdrew the investigation claim in XXXX but continue holding my money for 55 days and then putting into my checking account without letting me know.  XXXX  cannot answer.I requested her to bring my two requests to her manager and W.F. Higher Management, as she said she cannot do these:a.\tRequest W.F. Fraud Claim Dept. to send the original XX/XX/2019 check electronically to XXXX, because it belongs to XXXX and authorized by me in XX/XX/2019, asapb.\tRequest W.F. Fraud Claim Dept. put in writing what has happened since XX/XX/2019 I withdrawing the investigation claim till now, to keep my money so long but keep me in the dark, and send to mec.\tComment from me: This deceptive, unfair, and irresponsible practice is hurting me the right as a consumer, causing me so much pain, stress, time, and suffering, and must be addressed and corrected immediately. Thank you very much.","date_sent_to_company":"2019-08-19T20:14:53.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"22102","tags":"Older American","has_narrative":true,"complaint_id":"3346224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-08-19T19:01:09.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Opened the <em>dispute</em> with XXXX online with <em>dispute</em> report #XXXX, <em>saying</em> I have already paid on XX/XX/2019.b.\tCalled XXXX at XXXX, waited almost one hour, and opened the <em>dispute</em> with XXXX with <em>dispute</em> <em>confirmation</em> #XXXX, <em>saying</em> I have already paid on XX/XX/2019c.\tCalled XXXX, waited almost one hour, and opened the <em>dispute</em> with XXXX  with <em>dispute</em> file #XX/XX/XXXX, <em>saying</em> I have already paid on XX/XX/2019d."],"sub_issue":["Problem making or <em>receiving</em> payments"]},"sort":[7.4299855,"3346224"]},{"_index":"complaint-public-v1","_id":"5813784","_score":7.274143,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX, Equifax, and XXXX : Investigation by XXXX XXXX XXXX XXXX took more than 30 days from my opening of a direct dispute on XX/XX/XXXX. \nInvestigation by XXXX XXXX XXXX XXXX took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with XXXX perhaps XXXX  violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods. \nI was not notified timely of investigation status or results. \nI was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation. \nTheir investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from two XXXX executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA. \nI've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus. \n\nI realized during the summer of the pandemic that my XXXX credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the XXXX bureaus and directly with XXXX XXXX XXXX XXXX for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that XXXX supplies to them. There have been times where there were different balances reporting at the XXXX bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say \" pays as agreed '' and another would say \" Late over 30 days at least 6 times '' or \" Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with XXXX directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all XXXX bureaus? I have submitted copies of my credit reports from the XXXX bureaus and a table showing the inaccuracies to the bureaus and XXXX and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this one account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my car insurance rates were even higher due to this as well. \n\nXXXX has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of XXXX and he promised me that they would submit an Automated XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another XXXX XXXX, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by XXXX and other creditors because of this account. On XX/XX/XXXX, I called XXXX and Equifax because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the XXXX account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, XXXX denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me. \n\nAfter several disputes and calls, and being told by XXXX and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with XXXX via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file. \n\nDespite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, XXXX did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information. \n\nIn XX/XX/XXXX, I emailed the CEO of XXXX, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to. \n\nI filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that Equifax made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that Equifax was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this. \n\n\nI called XXXX to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The Case # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time. \n\nXXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. XXXX submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called XXXX at XXXX XXXX. and after 47 minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of XXXX told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from XXXX except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly. \n\nXXXX reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ). \n\nI received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a XXXX representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from XXXX although the XXXX promised in XXXX that I would within 30 days from the date they'd submitted the AUD to the bureaus. \n\nAfter receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting 8 late payments, had changed all of the \" number of days late '' data and reduced all instances to 30 days, changed the status to \" Current, was past due 30 days six times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. XXXX deleted 4 of the inaccuracies and kept 4, and the status read as \" Paid, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which 4 to delete and which 4 to keep. The year XXXX was suppressed on XXXX 's XX/XX/XXXX report and I could not view this data. The same thing for Equifax, 4 instances were deleted and 4 were kept and they were not the same month or amount of days that XXXX was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, \" pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, Equifax and/or XXXX even removed the excellent payment history that I had on a XXXX Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the XXXX installment account, they told me that XXXX could do it if they wanted to. To sum it up, XXXX and the XXXX bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call XXXX the next day. \n\nOn XX/XX/XXXX, I called XXXX and spoke with a representative regarding the letter that I'd received, which stated that the \" issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this XXXX account. They told me I had to continue waiting and it was an XXXX issue now. \n\nOn XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX, inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the XXXX account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies. \n\nHere 's where XXXX 's major problem XXXX be. In XXXX, I recall XXXX offered me a \" re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of XXXX promised me that the AUD would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show. \n\nThey have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side 3-bureau comparison of original data reporting and violations. You will also see email correspondences between XXXX departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to XXXX and Equifax and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the 30-day process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously. \n\nEquifax now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from XXXX are still there. When I pulled my current XX/XX/XXXX Equifax report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted 4 payments and kept 4 on the report. Now all 8 are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my XXXX installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the XXXX installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. XXXX and XXXX are still reporting the payments, however some of them are missing as well when they were not before. \n\nXXXX remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an XXXX XXXX XXXX account and its history which affected my scoring calculations. All of the bureaus and XXXX have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.","date_sent_to_company":"2022-07-27T06:58:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"5813784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-27T02:58:25.000Z","state":"MS","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You will see on my chart and previous credit reports before the XX/XX/XXXX <em>dispute</em> <em>results</em>, that Equifax was reporting a certain amount of days prior to the XX/XX/XXXX <em>dispute</em>, and on the XX/XX/XXXX <em>dispute</em> <em>results</em> they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports."]},"sort":[7.274143,"5813784"]},{"_index":"complaint-public-v1","_id":"5813781","_score":7.2709494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), Transunion, XXXX, and XXXX : Investigation by XXXX XXXX XXXX XXXX took more than 30 days from my opening of a direct dispute on XX/XX/XXXX. \nInvestigation by XXXX XXXX XXXX XXXX took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with XXXX; perhaps XXXX violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods. \nI was not notified timely of investigation status or results. \nI was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation. \nTheir investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from two XXXX executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA. \nI've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus. \n\nI realized during the summer of the pandemic that my XXXX credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the 3 bureaus and directly with XXXX XXXX XXXX XXXX for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that XXXX  supplies to them. There have been times where there were different balances reporting at the 3 bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say \" pays as agreed '' and another would say \" Late over 30 days at least 6 times '' or \" Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with XXXX directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all 3 bureaus? I have submitted copies of my credit reports from the 3 bureaus and a table showing the inaccuracies to the bureaus and XXXX and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this one account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my car insurance rates were even higher due to this as well. \n\nXXXX has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of XXXX and he promised me that they would submit an XXXX XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another XXXX XXXX, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by XXXX and other creditors because of this account. On XX/XX/XXXX, I called XXXX and XXXX because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the XXXX account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, XXXX denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me. \n\nAfter several disputes and calls, and being told by XXXX and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with XXXX via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file. \n\nDespite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, XXXX did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information. \n\nIn XX/XX/XXXX, I emailed the CEO of XXXX, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to. \n\nI filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that XXXX made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this. \n\n\nI called XXXX to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The XXXX # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time. \n\nXXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. XXXX submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called XXXX at XXXX XXXX. and after 47 minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of XXXX told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from XXXX except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly. \n\nXXXX reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ). \n\nI received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a XXXX representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from XXXX, although the CEO promised in XXXX that I would within 30 days from the date they'd submitted the XXXX to the bureaus. \n\nAfter receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting 8 late payments, had changed all of the \" number of days late '' data and reduced all instances to 30 days, changed the status to \" Current, was past due 30 days six times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. Transunion deleted 4 of the inaccuracies and kept 4, and the status read as \" Paid, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which 4 to delete and which 4 to keep. The year XXXX was suppressed on Transunion 's XX/XX/XXXX report and I could not view this data. The same thing for XXXX, 4 instances were deleted and 4 were kept and they were not the same month or amount of days that Transunioun was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, \" pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, XXXX and/or XXXX  even removed the excellent payment history that I had on a PenFed Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the XXXX installment account, they told me that XXXX could do it if they wanted to. To sum it up, XXXX and the 3 bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call XXXX the next day. \n\nOn XX/XX/XXXX, I called XXXX and spoke with a representative regarding the letter that I'd received, which stated that the \" issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this one account. They told me I had to continue waiting and it was an executive issue now. \n\nOn XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX., inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the XXXX account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies. \n\nHere 's where XXXX 's major problem may be. In XXXX, I recall XXXX offered me a \" re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of XXXX promised me that the XXXX would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show. \n\nThey have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side 3-bureau comparison of original data reporting and violations. You will also see email correspondences between XXXX departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to Transunion and XXXX and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the 30-day process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously. \n\nXXXX now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from XXXX are still there. When I pulled my current XX/XX/XXXX XXXX report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted 4 payments and kept 4 on the report. Now all 8 are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my XXXX installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the XXXX installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. Transunion and XXXX are still reporting the payments, however some of them are missing as well when they were not before. \n\nTransunion remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an 8 year old account and its history which affected my scoring calculations. All of the bureaus and XXXX have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.","date_sent_to_company":"2022-07-27T06:58:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"5813781","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-27T02:58:25.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You will see on my chart and previous credit reports before the XX/XX/XXXX <em>dispute</em> <em>results</em>, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX <em>dispute</em>, and on the XX/XX/XXXX <em>dispute</em> <em>results</em> they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports."]},"sort":[7.2709494,"5813781"]},{"_index":"complaint-public-v1","_id":"5813617","_score":7.2709494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint against Pentagon Federal Credit Union ( Penfed ; PenFed ), XXXX, XXXX, and XXXX : Investigation by Pentagon Federal Credit Union took more than 30 days from my opening of a direct dispute on XX/XX/XXXX. \nInvestigation by Pentagon Federal Credit Union took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with PenFed; perhaps PenFed violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods. \nI was not notified timely of investigation status or results. \nI was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation. \nTheir investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from XXXX PenFed executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA. \nI've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus. \n\nI realized during the summer of the pandemic that my Penfed credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the 3 bureaus and directly with Pentagon Federal Credit Union for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that Penfed supplies to them. There have been times where there were different balances reporting at the XXXX bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say \" pays as agreed '' and another would say \" Late over 30 days at least 6 times '' or \" Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with Penfed directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all XXXX bureaus? I have submitted copies of my credit reports from the 3 bureaus and a table showing the inaccuracies to the bureaus and Penfed and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this XXXX account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my XXXX  insurance rates were even higher due to this as well. \n\nPenfed has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of Penfed and he promised me that they would submit an XXXX XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another PenFed executive, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by Penfed and other creditors because of this account. On XX/XX/XXXX, I called XXXX and XXXX because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the Penfed account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, Penfed denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me. \n\nAfter several disputes and calls, and being told by PenFed and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with PenFed via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file. \n\nDespite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, Penfed did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information. \n\nIn XX/XX/XXXX, I emailed the CEO of PenFed, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to. \n\nI filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that XXXX made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this. \n\n\nI called PenFed to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The XXXX # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time. \n\nXXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. Penfed submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called Penfed at XXXX p.m. and after XXXX minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of PenFed told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from Penfed except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly. \n\nPenFed reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ). \n\nI received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a PenFed representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from PenFed, although the XXXX promised in XXXX that I would within 30 days from the date they'd submitted the AUD to the bureaus. \n\nAfter receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting XXXX late payments, had changed all of the \" number of days late '' data and reduced all instances to 30 days, changed the status to \" XXXX, was past due 30 days XXXX times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. XXXX deleted XXXX of the inaccuracies and kept XXXX, and the status read as \" XXXX, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which XXXX to delete and which XXXX to keep. The year XXXX was suppressed on XXXX 's XX/XX/XXXX report and I could not view this data. The same thing for XXXX, XXXX instances were deleted and XXXX were kept and they were not the same month or amount of days that XXXX was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, \" pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, XXXX and/or PenFed even removed the excellent payment history that I had on a PenFed Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the PenFed installment account, they told me that PenFed could do it if they wanted to. To sum it up, PenFed and the XXXX bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call PenFed the next day. \n\nOn XX/XX/XXXX, I called PenFed and spoke with a representative regarding the letter that I'd received, which stated that the \" issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this XXXX account. They told me I had to continue waiting and it was an XXXX issue now. \n\nOn XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX., inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the PenFed account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies. \n\nHere 's where Penfed 's major problem may be. In XXXX, I recall Penfed offered me a \" re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of PenFed promised me that the AUD would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show. \n\nThey have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side XXXX comparison of original data reporting and violations. You will also see email correspondences between Penfed departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to XXXX and XXXX and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the XXXX process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously. \n\nXXXX now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from PenFed are still there. When I pulled my current XX/XX/XXXX XXXX report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted XXXX payments and kept XXXX on the report. Now all XXXX are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my PenFed installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the PenFed installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. XXXX and XXXX are still reporting the payments, however some of them are missing as well when they were not before. \n\nXXXX remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an XXXX XXXX XXXX account and its history which affected my scoring calculations. All of the bureaus and Penfed have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.","date_sent_to_company":"2022-07-27T06:58:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"5813617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2022-07-27T01:45:52.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You will see on my chart and previous credit reports before the XX/XX/XXXX <em>dispute</em> <em>results</em>, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX <em>dispute</em>, and on the XX/XX/XXXX <em>dispute</em> <em>results</em> they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports."]},"sort":[7.2709494,"5813617"]},{"_index":"complaint-public-v1","_id":"5817138","_score":7.2690873,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint against XXXX XXXX XXXX XXXX ( XXXX ; XXXX ), XXXX, XXXX, and Experian : Investigation by XXXX XXXX XXXX XXXX took more than 30 days from my opening of a direct dispute on XX/XX/XXXX. \nInvestigation by XXXX XXXX XXXX XXXX took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with XXXX; perhaps XXXX violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods. \nI was not notified timely of investigation status or results. \nI was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation. \nTheir investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from XXXX XXXX executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA. \nI've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus. \n\nI realized during the summer of the pandemic that my XXXX credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the 3 bureaus and directly with XXXX XXXX XXXX XXXX for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that XXXX  supplies to them. There have been times where there were different balances reporting at the XXXX bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say \" pays as agreed '' and another would say \" Late over 30 days at least 6 times '' or \" Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with XXXX directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all 3 bureaus? I have submitted copies of my credit reports from the 3 bureaus and a table showing the inaccuracies to the bureaus and XXXX and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this one account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my car insurance rates were even higher due to this as well. \n\nXXXX has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of XXXX and he promised me that they would submit an XXXX XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another XXXX XXXX, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by XXXX and other creditors because of this account. On XX/XX/XXXX, I called Experian and XXXX because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the XXXX  account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, XXXX denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me. \n\nAfter several disputes and calls, and being told by XXXX and the XXXX bureaus that the account was 100 % accurate I filed another dispute directly with XXXX via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file. \n\nDespite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, XXXX did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information. \n\nIn XX/XX/XXXX, I emailed the CEO of XXXX, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to. \n\nI filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that XXXX made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this. \n\n\nI called XXXX to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The XXXX # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time. \n\nXXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. XXXX submitted an automated universal dataform to all 3 bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called XXXX at XXXX XXXX. and after 47 minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of XXXX told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from XXXX except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly. \n\nXXXX reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ). \n\nI received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a XXXX representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from XXXX  although the CEO promised in XXXX that I would within 30 days from the date they'd submitted the XXXX to the bureaus. \n\nAfter receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and Experian was reporting XXXX late payments, had changed all of the \" number of days late '' data and reduced all instances to 30 days, changed the status to \" Current, was past due 30 days six times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. XXXX deleted 4 of the inaccuracies and kept 4, and the status read as \" Paid, or pays as agreed '' yet the number of days for the instances that they continued to report did not match Experian 's data reporting or status. I am not certain what process they used to choose which 4 to delete and which 4 to keep. The year XXXX was suppressed on XXXX 's XX/XX/XXXX report and I could not view this data. The same thing for XXXX, 4 instances were deleted and 4 were kept and they were not the same month or amount of days that XXXX was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, \" pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, XXXX and/or XXXX  even removed the excellent payment history that I had on a XXXX XXXXnstallment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the XXXX installment account, they told me that XXXX could do it if they wanted to. To sum it up, XXXX and the XXXX bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call XXXX the next day. \n\nOn XX/XX/XXXX, I called XXXX and spoke with a representative regarding the letter that I'd received, which stated that the \" issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this XXXX account. They told me I had to continue waiting and it was an XXXX issue now. \n\nOn XX/XX/XXXX, I spoke with Experian 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with Experian at or around XXXX XXXX inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the XXXX account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies. \n\nHere 's where XXXX 's major problem XXXX be. In XXXX, I recall XXXX offered me a \" re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of XXXX promised me that the XXXX  would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show. \n\nThey have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side 3-bureau comparison of original data reporting and violations. You will also see email correspondences between XXXX departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to XXXX and XXXX and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the 30-day process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously. \n\nXXXX now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from XXXX are still there. When I pulled my current XX/XX/XXXX XXXX report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted 4 payments and kept 4 on the report. Now all 8 are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my XXXX installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the XXXX installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. XXXX and Experian are still reporting the payments, however some of them are missing as well when they were not before. \n\nXXXX remains the same, reporting inaccurate information. Experian deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an XXXX XXXX XXXX account and its history which affected my scoring calculations. All of the bureaus and XXXX have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.","date_sent_to_company":"2022-07-27T14:30:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"5817138","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-27T14:24:47.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You will see on my chart and previous credit reports before the XX/XX/XXXX <em>dispute</em> <em>results</em>, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX <em>dispute</em>, and on the XX/XX/XXXX <em>dispute</em> <em>results</em> they modified the time under the \" Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports."]},"sort":[7.2690873,"5817138"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":4}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CORELOGIC INC","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MS","doc_count":4},{"key":"IL","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}