{"took":166,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":268,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10742877","_score":22.95607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing a formal complaint against La Curacao for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ). In this letter, I specifically requested that La Curacao investigate disputed items on my credit report, provide a full audit trail, and remove any unverifiable or inaccurate information as required by law. \n\nUnder the FCRA, particularly 15 U.S.C. Section 1681i ( a ) ( 1 ), credit furnishers like La Curacao are required to investigate a dispute and report back to the consumer within 30 days. As of today, I have received no response from La Curacao, nor have they taken action to investigate, provide the requested audit trail, or update my credit report to reflect accurate information. \n\nRelevant FCRA Violations 1. Failure to Investigate : Under Section 1681s-2 ( b ), La Curacao , as a furnisher of information, is required to conduct an investigation into any disputed information once they receive notice from the consumer. This includes verifying the accuracy of the information or deleting any information that can not be substantiated. La Curacaos failure to investigate or respond to my dispute directly violates this FCRA requirement. \n2. Failure to Report Investigation Results : According to 15 U.S.C. Section 1681i ( a ) ( 6 ), a credit furnisher must provide the consumer with the results of the reinvestigation within the specified timeframe. La Curacaos lack of response constitutes non-compliance with this requirement. \n3. Lack of an Audit Trail : In my dispute, I requested an audit trail and supporting documentation used to verify the disputed items. Under FCRA requirements, furnishers are obligated to provide any documentation that substantiates the accuracy of the information in question. By failing to do so, La Curacao has prevented me from verifying the accuracy of the information they reported.","date_sent_to_company":"2024-11-09T17:45:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89183","tags":null,"has_narrative":true,"complaint_id":"10742877","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ADIR INTERNATIONAL LLC","date_received":"2024-11-09T17:25:40.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Section 1681i ( a ) ( 1 ), <em>credit</em> furnishers like La Curacao are required to investigate a dispute and report back to the consumer within 30 days. As of today, I have received no response from La Curacao, nor have they taken action to investigate, provide the <em>requested</em> <em>audit</em> <em>trail</em>, or <em>update</em> my <em>credit</em> report to reflect accurate information. \n\nRelevant FCRA Violations 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.95607,"10742877"]},{"_index":"complaint-public-v1","_id":"8980100","_score":20.104298,"_source":{"product":"Debt collection","complaint_what_happened":"I Recently paid for an updated report of my consumer credit file and noticed that were collections placed against me that I have filed with FTC before and not resolved. \n\nI have called each creditor each and every representative could not assist with the matter because there were no valid information provided statements in the connection of the debt investigation. I want to know what reasonable procedures that were taken in the investigating and verifying the Information on this erroneous debt, I am asking again for all file disclosures and the full sale file and agreement of this debt was purchased a full audit trail and I am not talking about billing statements they were purchased I am requesting a full audit report on this account and that XXXX XXXX has over this unknown debt all correspondence with proof of delivery via tracking number. If none of this information can be produced, I am requesting that these accounts be completely deleted from all of consumer reports immediately please. \nThis Is very frustrating knowing that I have been violated of my FCRA RIGHTS constantly without no remorse.","date_sent_to_company":"2024-05-10T18:06:40.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"8980100","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-10T17:29:28.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I want to know what reasonable procedures that were taken in the investigating and verifying the Information on this erroneous debt, I am asking again for all file disclosures and the full sale file and agreement of this debt was purchased a full <em>audit</em> <em>trail</em> and I am not talking about billing statements they were purchased I am <em>requesting</em> a full <em>audit</em> report on this account and that XXXX XXXX has over this unknown debt all correspondence with proof of delivery via tracking number."]},"sort":[20.104298,"8980100"]},{"_index":"complaint-public-v1","_id":"6582888","_score":19.871304,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The attached letter was sent to NCB over a month ago with no response. \n\nNotice to Principal is Notice to Agent and Notice to Agent is Notice to XXXX NCB XXXX XXXX Acct # XXXX Notice to Dispute Debt I dispute any debt your company claim to have on me. \n\nYou must stop all collection activities. Do not call my telephone number ( XXXX ) XXXX. If you were ever given permission to call this telephone number ( XXXX ) XXXX I am revoking that now. \n\nMy demands are : For you to provide me the audit trail This is what I need included in the audit trail : Account File Ledger All Accounting documents The transaction history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY. \n\nIf you fail to communicate to the consumer reporting Agencies that this debt is in DISPUTE, that would be a violation Pursuant 15usc 1692e8-False or misleading Representation. \n\nThe law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. \n\nPlease be aware that freezing this account is not an update to my credit report. \n\nThanks for giving this letter your prompt attention.","date_sent_to_company":"2023-02-16T13:26:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"6582888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2023-02-16T13:01:30.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, failure to honor this <em>requested</em> DEMAND will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. \n\nPlease be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report. \n\nThanks for giving this letter your prompt attention."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.871304,"6582888"]},{"_index":"complaint-public-v1","_id":"5344238","_score":19.841091,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have new and updated information regarding complaint number XXXX. I repeatedly requested the following documentation : a comprehensive audit trail to include all documentary evidence to validate the authorization of this transaction, debt validation, the Generally Accepted Accounting Principles ( GAAP ), proof of accounting ledger from when the account was created up to its current state, the signed authorization that gave them permission to access and release my personal private information, signed in wet ink consumer credit application, proof of name and address of the original creditor that created this transaction, and name and location information of all parties that benefitted from this transaction, but FORD CREDIT have failed to send the requested documents. They are violating my consumer right to assess and validate this transaction.","date_sent_to_company":"2022-03-20T17:22:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"5344238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2022-03-20T17:03:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I repeatedly <em>requested</em> the following documentation : a comprehensive <em>audit</em> <em>trail</em> to include all documentary evidence to validate the authorization of this transaction, debt validation, the Generally Accepted Accounting Principles ( GAAP ), proof of accounting ledger from when the account was created up to its current state, the signed authorization that gave them permission to access and release my personal private information, signed in wet ink consumer <em>credit</em> application, proof of name and address"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"company":["FORD MOTOR <em>CREDIT</em> CO."],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.841091,"5344238"]},{"_index":"complaint-public-v1","_id":"14044028","_score":19.728935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Supplemental CFPB Complaint XXXX XXXXXXXX XXXX XXXX \n1. Complainant Information Name : XXXX XXXX XXXX Mailing Address : [ Redacted for public filing ] Email : XXXX Phone : ( XXXX ) XXXX Relationship to Account : Primary consumer borrower whose credit was impacted by the trade line reported by XXXX XXXX XXXX XXXX  ( XXXX XXXX ). \n2. Summary of Complaint This supplemental filing adds new documentary evidence proving that XXXX XXXX knowingly relied on forged and fraudulently altered financing agreements supplied by its furnitureretail agentXXXX XXXX XXXX XXXX XXXX XXXX XXXX, to open and service consumer account XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \nXXXX XXXX removed the disputed trade line from my consumer credit reports in XX/XX/XXXX after receiving my XX/XX/XXXX dispute. \nOn or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reinserted the very same trade line * * without providing the legally required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice * *. \nXXXX XXXX has now falsely represented to the CFPB that the signature is valid and that all documents were properly executed, despite irrefutable forensic proof that my esignature was * * reused without consent * * on at least four separate DocuSign envelopes ( IDs XXXX, XXXX, XXXX, XXXX ). \n3. New Evidence Since Initial CFPB Complaint 3.1 Forensic Audit Report ( Exhibit A ) On XXXX XX/XX/XXXX I completed a Forensic Audit Report ( attached ) that traces every DocuSign event and IP address. Key findings include : All envelopes were created by XXXX internal API ( XXXX ) and completed in 26 secondstoo fast for human review. \nThe identical xdocusignsignatureid hash appears in every envelope, proving XXXX XXXX XXXX  reinjected a stored graphic * * rather than requesting a fresh signature. \nNo audittrail entry shows a request for updated ESIGN consent ; therefore each signature is a legal nullity.\n\n3.2 DocuSign Audit Trails ( Exhibits BE ) Certified audittrail PDFs for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX clearly show \" Signature Adoption : Preselected Style ` and that every signing IP address was controlled by XXXX by the consumer. These logs contradict XXXX XXXX claim that I signed the updated contracts. \n3.3 XXXX XXXX XXXX XXXX Findings In its XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX asserted that all contract modifications were signed by the customer. XXXX XXXX reached this conclusion * * without ever requesting the native audittrail files from XXXX or DocuSign * *. The attached forensic evidence proves XXXX XXXX statement was materially false. \n3.4 Improper ReInsertion of Trade Line XXXX  report dated XXXX ( not yet attached ; available on request ) shows that the XXXX XXXX trade line reappeared with a balance of * * {$9700.00} * * and utilisation of * * 94.77 % * *. No FCRA reinsertion notice was sent within five business days, violating 15U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\n4. Statutory & Regulatory Violations Fair Credit Reporting Act ( FCRA ) 607 ( b ) ,611 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 5 ) ( B ) reporting information XXXX XXXX knew or should have known was inaccurate ; failure to conduct a reasonable reinvestigation ; unlawful reinsertion. \nElectronic Signatures in Global and National Commerce Act ( ESIGN ) 15U.S.C.7001 contracts void when the electronic signature is not the act of the person.\n\nTruth in Lending Act ( TILA ) /Reg Z extension of credit based on materially altered, nonexistent consent.\n\nConsumer Financial Protection Act ( UDAAP ) 12U.S.C.5531 unfair and deceptive acts by continuing to collect and report a debt rooted in forged documentation.\n\n5. Requested Corrective Action 1. * * Permanent deletion * * of the trade line from all consumer reporting agencies under FCRA 611.\n\n2. * * Immediate cessation * * of any collection or billing activity tied to accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX \n3. * * Written confirmation * * from XXXX XXXX describing the specific steps taken to verify signatures and audit trails before rereporting. \n4. Referral for * * civil money penalties * * under CFPA 1055 for knowingly furnishing inaccurate information.\n\n5. Order XXXX XXXX to implement robust duediligence controls to verify esignature authenticity for all retail partners. \n6. Exhibits Exhibit A Forensic Audit Report dated XXXX XX/XX/XXXX ( Forensic Audit Report.docx ) Exhibit B DocuSign Audit Trail XXXX XX/XX/XXXX Exhibit C DocuSign Audit Trail XXXX XX/XX/XXXX Exhibit D DocuSign Audit Trail XXXX XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-06-12T06:14:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46038","tags":null,"has_narrative":true,"complaint_id":"14044028","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-12T06:08:30.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Exhibits Exhibit A Forensic <em>Audit</em> Report dated XXXX XX/XX/XXXX ( Forensic <em>Audit</em> Report.docx ) Exhibit B DocuSign <em>Audit</em> <em>Trail</em> XXXX XX/XX/XXXX Exhibit C DocuSign <em>Audit</em> <em>Trail</em> XXXX XX/XX/XXXX Exhibit D DocuSign <em>Audit</em> <em>Trail</em> XXXX XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.728935,"14044028"]},{"_index":"complaint-public-v1","_id":"7216366","_score":18.92256,"_source":{"product":"Debt collection","complaint_what_happened":"I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.","date_sent_to_company":"2023-07-06T16:06:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30342","tags":null,"has_narrative":true,"complaint_id":"7216366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-07-06T16:00:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[18.92256,"7216366"]},{"_index":"complaint-public-v1","_id":"7692845","_score":18.892979,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.","date_sent_to_company":"2023-10-13T23:28:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30342","tags":null,"has_narrative":true,"complaint_id":"7692845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-13T23:28:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[18.892979,"7692845"]},{"_index":"complaint-public-v1","_id":"14044029","_score":18.883192,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Supplemental CFPB Complaint XXXX XXXXXXXX XXXX XXXX \n1. Complainant Information Name : XXXX XXXX XXXX Mailing Address : [ Redacted for public filing ] Email : XXXX Phone : ( XXXX ) XXXX Relationship to Account : Primary consumer borrower whose credit was impacted by the trade line reported by XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX ). \n2. Summary of Complaint This supplemental filing adds new documentary evidence proving that XXXX XXXX knowingly relied on forged and fraudulently altered financing agreements supplied by its furnitureretail agent, XXXX XXXX XXXX XXXX XXXX XXXX, to open and service consumer account XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX removed the disputed trade line from my consumer credit reports in XX/XX/XXXX after receiving my XX/XX/XXXX dispute. \nOn or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX reinserted the very same trade line * * without providing the legally required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice * *. \nXXXX XXXX has now falsely represented to the CFPB that the signature is valid and that all documents were properly executed, despite irrefutable forensic proof that my esignature was * * reused without consent * * on at least four separate DocuSign envelopes ( IDs XXXX, XXXX, XXXX, XXXX ). \n3. New Evidence Since Initial CFPB Complaint 3.1 Forensic Audit Report ( Exhibit A ) On XXXX XX/XX/XXXX I completed a Forensic Audit Report ( attached ) that traces every DocuSign event and IP address. Key findings include : All envelopes were created by XXXX internal API ( XXXX ) and completed in 26 secondstoo fast for human review. \nThe identical xdocusignsignatureid hash appears in every envelope, proving XXXX XXXX XXXX reinjected a stored graphic * * rather than requesting a fresh signature. \nNo audittrail entry shows a request for updated ESIGN consent ; therefore each signature is a legal nullity.\n\n3.2 DocuSign Audit Trails ( Exhibits BE ) Certified audittrail PDFs for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XXXX XX/XX/XXXX clearly show \" Signature Adoption : Preselected Style ` and that every signing IP address was controlled by XXXX by the consumer. These logs contradict XXXX XXXX claim that I signed the updated contracts. \n3.3 XXXX XXXX False Investigation Findings In its XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX asserted that all contract modifications were signed by the customer. XXXX XXXX reached this conclusion * * without ever requesting the native audittrail files from XXXX or XXXX * *. The attached forensic evidence proves XXXX XXXX statement was materially false. \n3.4 Improper ReInsertion of Trade Line XXXX  report dated XXXX ( not yet attached ; available on request ) shows that the XXXX XXXX trade line reappeared with a balance of * * {$9700.00} * * and utilisation of * * 94.77 % * *. No FCRA reinsertion notice was sent within five business days, violating 15U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\n4. Statutory & Regulatory Violations Fair Credit Reporting Act ( FCRA ) 607 ( b ) ,611 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 5 ) ( B ) reporting information XXXX XXXX knew or should have known was inaccurate ; failure to conduct a reasonable reinvestigation ; unlawful reinsertion. \nElectronic Signatures in Global and National Commerce Act ( ESIGN ) 15U.S.C.7001 contracts void when the electronic signature is not the act of the person.\n\nTruth in Lending Act ( TILA ) /Reg Z extension of credit based on materially altered, nonexistent consent.\n\nConsumer Financial Protection Act ( UDAAP ) 12U.S.C.5531 unfair and deceptive acts by continuing to collect and report a debt rooted in forged documentation.\n\n5. Requested Corrective Action 1. * * Permanent deletion * * of the trade line from all consumer reporting agencies under FCRA 611.\n\n2. * * Immediate cessation * * of any collection or billing activity tied to account XXXX XXXX XXXX XXXX XXXX XXXX \n3. * * Written confirmation * * from XXXX XXXX describing the specific steps taken to verify signatures and audit trails before rereporting. \n4. Referral for * * civil money penalties * * under CFPA 1055 for knowingly furnishing inaccurate information.\n\n5. Order XXXX XXXX to implement robust duediligence controls to verify esignature authenticity for all retail partners. \n6. Exhibits Exhibit A Forensic Audit Report dated XXXX XX/XX/XXXX ( Forensic Audit Report.docx ) Exhibit B DocuSign Audit Trail XXXX XX/XX/XXXX Exhibit C DocuSign Audit XXXX XXXX XX/XX/XXXX Exhibit D DocuSign Audit Trail XXXX XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-06-12T06:14:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46038","tags":null,"has_narrative":true,"complaint_id":"14044029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-12T06:08:30.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Exhibits Exhibit A Forensic <em>Audit</em> Report dated XXXX XX/XX/XXXX ( Forensic <em>Audit</em> Report.docx ) Exhibit B DocuSign <em>Audit</em> <em>Trail</em> XXXX XX/XX/XXXX Exhibit C DocuSign <em>Audit</em> XXXX XXXX XX/XX/XXXX Exhibit D DocuSign <em>Audit</em> <em>Trail</em> XXXX XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.883192,"14044029"]},{"_index":"complaint-public-v1","_id":"7692824","_score":18.874096,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX  XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.","date_sent_to_company":"2023-10-13T23:28:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30342","tags":null,"has_narrative":true,"complaint_id":"7692824","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-13T23:21:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[18.874096,"7692824"]},{"_index":"complaint-public-v1","_id":"9191554","_score":18.823929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I received a copy of my consumer report and noticed inaccurate information reported. I requested a reinvestigation and that these items be deleted from my credit report on XX/XX/year>. I see that the items are still showing on my credit report. Pursuant to 15 USC 1681 ( a ) Accuracy and Fairness of Credit Reporting, according to the law, before any information is inserted into my consumer report, it MUST be accurate and fair information reporting. I am aware of my rights and know, according to the Fair Credit Reporting Act. That I have a right to challenge anything and everything, that I am unsure of. \nMy demands are : For you to provide me the audit trail and this is what I need included in the audit trail : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY! \nIf you fail to communicate to the Consumer Reporting Agencies that this debt is in DISPUTE, that would be a violation pursuant 15 USC 1692e8-False or Misleading Representation.\n\nThe law is very clear as to the civil liability and the remedy available to me, according to 15 USC 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend or pursue litigation in this matter suing your company for actual damages sustained.\n\nPlease be aware that freezing this account is not an update to my consumer report.\n\nI am demanding that you reinvestigate this account immediately and respond within 5 business days with update. If you can not provide proof of the reinvestigation, these accounts MUST be deleted, according to 15 USC 1681 Treatment of Inaccurate or Unverifiable information. In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency, shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. \nThank you for giving this you prompt attention, XXXX XXXX","date_sent_to_company":"2024-06-07T01:58:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"9191554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2024-06-07T01:58:11.000Z","state":"MS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My demands are : For you to provide me the <em>audit</em> <em>trail</em> and this is what I need included in the <em>audit</em> <em>trail</em> : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY!"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.823929,"9191554"]},{"_index":"complaint-public-v1","_id":"6613878","_score":18.14661,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. \nI did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. \n\nI have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.","date_sent_to_company":"2023-02-24T16:20:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"016XX","tags":null,"has_narrative":true,"complaint_id":"6613878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-24T15:41:39.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["It has come to my attention that although I have written several letters asking for <em>audit</em> <em>trails</em> and <em>requesting</em> my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be <em>updated</em> immediately on my <em>credit</em> report as it is in violation to the following federal constitutional laws 15 USC 1666."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.14661,"6613878"]},{"_index":"complaint-public-v1","_id":"6613915","_score":18.104015,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. \nI did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. \n\nI have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.","date_sent_to_company":"2023-02-24T16:20:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"016XX","tags":null,"has_narrative":true,"complaint_id":"6613915","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-24T16:20:55.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["It has come to my attention that although I have written several letters asking for <em>audit</em> <em>trails</em> and <em>requesting</em> my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be <em>updated</em> immediately on my <em>credit</em> report as it is in violation to the following federal constitutional laws 15 USC 1666."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.104015,"6613915"]},{"_index":"complaint-public-v1","_id":"6613914","_score":18.104015,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. \nI did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. \n\nI have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.","date_sent_to_company":"2023-02-24T16:20:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"016XX","tags":null,"has_narrative":true,"complaint_id":"6613914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-24T16:20:55.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["It has come to my attention that although I have written several letters asking for <em>audit</em> <em>trails</em> and <em>requesting</em> my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be <em>updated</em> immediately on my <em>credit</em> report as it is in violation to the following federal constitutional laws 15 USC 1666."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.104015,"6613914"]},{"_index":"complaint-public-v1","_id":"11095444","_score":17.969053,"_source":{"product":"Debt collection","complaint_what_happened":"conserve I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attached a my identytheft report Thanks for giving this letter your prompt attention..","date_sent_to_company":"2024-12-10T19:14:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"325XX","tags":null,"has_narrative":true,"complaint_id":"11095444","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-10T18:13:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[17.969053,"11095444"]},{"_index":"complaint-public-v1","_id":"11102284","_score":17.954884,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attached a my identytheft report Thanks for giving this letter your prompt attention..","date_sent_to_company":"2024-12-10T19:14:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"325XX","tags":null,"has_narrative":true,"complaint_id":"11102284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-10T19:14:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[17.954884,"11102284"]},{"_index":"complaint-public-v1","_id":"8506543","_score":17.92475,"_source":{"product":"Debt collection","complaint_what_happened":"SRSI I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..","date_sent_to_company":"2024-03-08T23:20:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"8506543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"States Recovery Systems, Inc.","date_received":"2024-03-08T23:07:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[17.92475,"8506543"]},{"_index":"complaint-public-v1","_id":"8506442","_score":17.92475,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..","date_sent_to_company":"2024-03-08T23:20:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"8506442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-08T23:20:20.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."]},"sort":[17.92475,"8506442"]},{"_index":"complaint-public-v1","_id":"7749006","_score":17.458864,"_source":{"product":"Debt collection","complaint_what_happened":"I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now I have not contacted through phone call on any date or During the date before or after XX/XX/2023, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..","date_sent_to_company":"2023-10-24T15:18:43.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"30342","tags":null,"has_narrative":true,"complaint_id":"7749006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-24T15:09:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Furthermore failure to honor this <em>request</em> will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[17.458864,"7749006"]},{"_index":"complaint-public-v1","_id":"14117685","_score":17.353085,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and in reference to potential noncompliance with the XXXX XXXX reporting standard. \n\nI have previously disputed the negative reporting of late payments by XXXX and XXXX on my credit report. The credit bureaus failed to provide me with any adequate documentation that proves the accuracy, completeness, or verifiability of these accounts, including full payment records and a XXXX XXXXcompliant audit trail. \n\nThese accounts are continuing to harm my creditworthiness and limit my ability to qualify for essential financing. According to FCRA, if the furnisher or bureau can not verify the completeness or accuracy of the data, it must be deleted. \n\nAccounts in question : - XXXX Any and all accounts associated with XXXX XXXX XXXX Any and all accounts associated with XXXX I am requesting : 1. Full documentation of the alleged delinquencies, including payment ledgers. \n2. A XXXX XXXX compliance audit for the data furnished. \n3. Immediate removal of all unverified, outdated, or incorrect data associated with these accounts. \nFurthermore, I am aware of the CFPBs XX/XX/scrub> 2025 lawsuit against XXXX, in which the agency alleges XXXX  conducted sham investigations routinely accepting furnishers unverified responses, failing to inform consumers of the outcomes, and reinserting previously deleted tradelines in violation of FCRA and CFPA requirements. Accordingly, I request a thorough, good faith reinvestigation of the accounts I dispute including full XXXX compliance documentation, clear communication of your findings, and a commitment that no previously unverified data will be reinserted. \n\nIf this information can not be substantiated within 30 days per FCRA guidelines, I request that it be deleted from my credit report immediately. \n\nPlease send me a complete updated copy of my credit report after this investigation.","date_sent_to_company":"2025-06-17T19:51:08.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"37129","tags":null,"has_narrative":true,"complaint_id":"14117685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-17T19:47:29.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Accordingly, I <em>request</em> a thorough, good faith reinvestigation of the accounts I dispute including full XXXX compliance documentation, clear communication of your findings, and a commitment that no previously unverified data will be reinserted. \n\nIf this information can not be substantiated within 30 days per FCRA guidelines, I <em>request</em> that it be deleted from my <em>credit</em> report immediately. \n\nPlease send me a complete <em>updated</em> copy of my <em>credit</em> report after this investigation."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[17.353085,"14117685"]},{"_index":"complaint-public-v1","_id":"7568386","_score":17.28507,"_source":{"product":"Debt collection","complaint_what_happened":"Notice to principal in Notice To Agent and Notice to Agent is Notice to Principal Account Name : National Credit Systems Account XXXX Notice to Dispute Debt I dispute and debt your company claim to have on me. \nYou must stop all collection activities. My demands are : For you provide me with the audit trail : Account File Ledger All accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account immediately. \n\nIf your fail to communicate to the consumer reporting agencies that this debt is in DISPUTE, that would be a violation Pursuant 15 usc 1692e8 False or misleading.\n\nThis law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead to fully intend on pursing litigation in this matter suing your company for actual damages sustained. \nPlease be aware that freezing this account is not an update to my credit report. \n\nThank you for giving this letter your prompted attention.","date_sent_to_company":"2023-09-18T18:32:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"78610","tags":null,"has_narrative":true,"complaint_id":"7568386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2023-09-18T18:26:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Furthermore, failure to honor this <em>requested</em> DEMAND will lead to fully intend on pursing litigation in this matter suing your company for actual damages sustained. \nPlease be aware that freezing this account is not an <em>update</em> to my <em>credit</em> report. \n\nThank you for giving this letter your prompted attention."],"company":["National <em>Credit</em> Systems,Inc."]},"sort":[17.28507,"7568386"]},{"_index":"complaint-public-v1","_id":"17270515","_score":17.223509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The furnisher ( XXXX XXXX ) recently and unlawfully changed my historical payment history. My credit report now shows completely different late payment dates and increased delinquency severity that did not exist before. This is re-aging and falsification of credit data. \n\nThe account previously showed accurate or less severe data, but the furnisher updated the following months with new XXXX, XXXX, XXXX and XXXX late payments, which is factually impossible and violates Metro 2 guidelines. Changing a past payment history without documented proof violates : FCRA 1681s-2 ( a ) reporting inaccurate information FCRA 1681s-2 ( b ) failing to investigate properly FCRA 1681e ( b ) duty of maximum possible accuracy FCRA 1681i CRA reinvestigation obligations This is also considered re-aging of an account, which is prohibited. I request : 1. Immediate deletion of the account, or 2. Reversion back to the original payment history, and 3. A full investigation including the original payment ledger and audit trail.","date_sent_to_company":"2025-11-16T00:25:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46112","tags":null,"has_narrative":true,"complaint_id":"17270515","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-16T00:19:51.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>request</em> : 1. Immediate deletion of the account, or 2. Reversion back to the original payment history, and 3. A full investigation including the original payment ledger and <em>audit</em> <em>trail</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.223509,"17270515"]},{"_index":"complaint-public-v1","_id":"9290613","_score":17.093176,"_source":{"product":"Debt collection","complaint_what_happened":"You are now put on notice again to stop all collection activities and reporting. I am revoking that now. \nMy demands are as follows : For account # XXXX To provide me with the audit trail which included 1. Account File 2. Ledger 3. All accounting documents 4. All transactional history 5. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained.\n\nPlease be aware that freezing this account has not been updated to my credit report.\n\nYou have 14 days to reply.","date_sent_to_company":"2024-06-18T17:05:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"9290613","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-06-18T16:58:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Furthermore more failure to honor this <em>requested</em> demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained.\n\nPlease be aware that freezing this account has not been <em>updated</em> to my <em>credit</em> report.\n\nYou have 14 days to reply."]},"sort":[17.093176,"9290613"]},{"_index":"complaint-public-v1","_id":"9289311","_score":17.093176,"_source":{"product":"Debt collection","complaint_what_happened":"You are now put on notice again to stop all collection activities and reporting. I am revoking that now. \nMy demands are as follows : For account # XXXX To provide me with the audit trail which included XXXX. Account File XXXX. Ledger XXXX. All accounting documents XXXX. All transactional history XXXX. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. \nPlease be aware that freezing this account has not been updated to my credit report. \n\nYou have XXXX  days to reply.","date_sent_to_company":"2024-06-18T18:32:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"9289311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarMax, Inc.","date_received":"2024-06-18T18:23:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Furthermore more failure to honor this <em>requested</em> demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. \nPlease be aware that freezing this account has not been <em>updated</em> to my <em>credit</em> report. \n\nYou have XXXX  days to reply."]},"sort":[17.093176,"9289311"]},{"_index":"complaint-public-v1","_id":"15538085","_score":17.014524,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Requested Resolution ( Updated ) XXXX. XXXX XXXX XXXXXXXX XXXX Reimburse the {$100.00} unauthorized transfer from XXXX to XXXX. \nProvide a formal investigation report on the delayed transaction. \nTerminate the fraudulent XXXX XXXX account issued by XXXX XXXX \nRemove any credit inquiries or negative marks from credit bureaus. \nOffer identity protection measures and assign a dedicated fraud specialist. \nXXXX. XXXX XXXX XXXX lost points and redemptions that were fraudulently accessed. \nProvide a detailed audit trail of account activity and unauthorized redemptions. \nReinstate account access if suspended, or confirm permanent closure with no penalty. \nOffer compensation or goodwill credit for time lost and breach impact. \nImprove transparency in support responses and fraud case handling. \n3. XXXX Investigate and reverse any unauthorized transactions or account access. \nProvide a written summary of findings, including blockchain traceability if applicable. \nOffer enhanced security measures, such as 2FA enforcement and account monitoring. \nConfirm whether any personal data was compromised and what steps were taken to secure it. \nIf applicable, remove any negative impact on credit or account standing.","date_sent_to_company":"2025-10-22T20:02:14.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"15538085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-08-26T10:00:38.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Requested</em> Resolution ( <em>Updated</em> ) XXXX. XXXX XXXX XXXXXXXX XXXX Reimburse the {$100.00} unauthorized transfer from XXXX to XXXX. \nProvide a formal investigation report on the delayed transaction. \nTerminate the fraudulent XXXX XXXX account issued by XXXX XXXX \nRemove any <em>credit</em> inquiries or negative marks from <em>credit</em> bureaus. \nOffer identity protection measures and assign a dedicated fraud specialist. \nXXXX. XXXX XXXX XXXX lost points and redemptions that were fraudulently accessed."]},"sort":[17.014524,"15538085"]},{"_index":"complaint-public-v1","_id":"13800151","_score":16.367558,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : The Work Number ATTN : Dispute Department XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, CA XXXX Subject : Secondary Dispute Demanding Immediate Action and Specific Remediation of Unauthorized Reporting To Whom It May Concern, This letter serves as a secondary and final dispute following my prior written notice regarding the unauthorized and inaccurate employment information reported under my name, [ REDACTED ], by your agency.\n\nYou are hereby being directed, once again, to take the following immediate and enforceable actions : 1. Full Deletion of All Records You are required to locate and permanently delete all employment records and data connected to my personal identity, Social Security Number, phone number ( XXXX ), or any variation of my name within your systems.\n\n2. Block All Future Reporting Implement a permanent block on any future reporting or employment verifications under my name or identifiers unless explicitly authorized in writing by me.\n\n3. Cease Third-Party Disclosures You are to cease and desist from sharing or verifying any information related to my employment or personal details with employers, agencies, credit bureaus, background check companies, or any third-party entity, in accordance with 15 U.S. Code 1681b ( a ).\n\n4. Provide a Complete Audit Trail I am requesting a comprehensive audit trail of all disclosures, inquiries, verifications, and updates related to my profile currently stored or transmitted by The Work Number.\n\n5. Respond by Mail No AI or E-OSCAR This matter is to be handled exclusively by a live human agent. I do not consent to this dispute being processed through any automated platform such as E-OSCAR or artificial intelligence systems. Your response must be delivered by physical mail with supporting documentation.\n\n6. Confirmation of Actions Taken You must provide a detailed, signed statement confirming : That all unauthorized data has been removed ; That no further reporting will occur ; That my dispute was reviewed manually by a human agent ; That a corrected copy of my file has been generated and enclosed.\n\nIf these actions are not completed and confirmed within XXXX  days, I will move forward with filing official complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and pursue legal relief under both state and federal consumer protection statutes. I will also seek compensatory damages for the misuse and dissemination of my private information without my authorization. \n\nYou are now on official legal notice.","date_sent_to_company":"2025-06-13T18:41:28.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"13800151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-30T19:07:48.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Provide a Complete <em>Audit</em> <em>Trail</em> I am <em>requesting</em> a comprehensive <em>audit</em> <em>trail</em> of all disclosures, inquiries, verifications, and <em>updates</em> related to my profile currently stored or transmitted by The Work Number.\n\n5. 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I do not consent to this dispute being processed through any automated platform such as E-OSCAR or artificial intelligence systems."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_issue":["Problem canceling <em>credit</em> monitoring or identify theft protection service"]},"sort":[16.367558,"13800151"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":268,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":268}]}},"product":{"doc_count":268,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":187,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":184},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Debt 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