{"took":136,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":33746,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4072062","_score":15.775608,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, Equifax and XXXX of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. \n\nAlthough being acutely aware of this, XXXX, Equifax and XXXX have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. \nI am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. \n\nI am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, Equifax and XXXX still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.","date_sent_to_company":"2021-01-15T21:35:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"4072062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-15T21:35:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent notice to each creditor and each credit bureau XXXX, Equifax and XXXX of my demand <em>under</em> <em>Section</em> 609 <em>FCRA</em>. This <em>section</em> <em>requires</em> a creditor to provide specific <em>documentation</em> to myself, the consumer within 30 days of receipt of the notice <em>under</em> <em>Section</em> 609 <em>FCRA</em>. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the <em>required</em> information <em>under</em> <em>Section</em> 609 <em>FCRA</em>."]},"sort":[15.775608,"4072062"]},{"_index":"complaint-public-v1","_id":"4072060","_score":15.750695,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX  and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, XXXX  and Transunion of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. \n\nAlthough being acutely aware of this, XXXX, XXXX  and Transunion have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. \nI am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. \n\nI am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, XXXX  and Transunion still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.","date_sent_to_company":"2021-01-15T21:35:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"4072060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-15T21:35:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent notice to each creditor and each credit bureau XXXX, XXXX  and Transunion of my demand <em>under</em> <em>Section</em> 609 <em>FCRA</em>. This <em>section</em> <em>requires</em> a creditor to provide specific <em>documentation</em> to myself, the consumer within 30 days of receipt of the notice <em>under</em> <em>Section</em> 609 <em>FCRA</em>. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the <em>required</em> information <em>under</em> <em>Section</em> 609 <em>FCRA</em>."]},"sort":[15.750695,"4072060"]},{"_index":"complaint-public-v1","_id":"4091471","_score":15.735756,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am submitting a complaint against XXXX Credit Card for failure to comply with The Fair Credit Reporting Act, specifically Section 609, 611 FCRA. I am enc, osung the response of XXXX regarding my initial complaint with the CFPB. The letter from XXXX only makes certain statements that are clearly not true and at the very least disputed. They did not provide any of the specific items they are required to provide under Section 609, 611. In fact, the FTC sued XXXX for engaging in the very same type of conduct XXXX is engaging in. P, ease fund notice of the FTC Lawsuit against XXXX fir failing to provide victims of identity theft specific information under the FCRA. XXXX XXXX has not provided ANY of the required documentation under Section 609, 611 FCRA, I did not call them in 2016 and did not make any payments to them in 2016, I was NOT in the country or able to cal, them at that time. Since their letter admits they did not provide the required documentation under Section 609, 611 FCRA any statements they made should not be considered as credible. I deny ever opening an account with them and as the furnisher of this erroneous information XXXX, XXXX and Transunion must be remove it from my file. Please be clear, XXXX provided NO proof as mandated under Section 609, 611 FCRA. Perhaps prior to responding the next time, they will read the FCRA and provide the mandated documentation they are required to.","date_sent_to_company":"2021-01-25T18:29:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"4091471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-25T18:29:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since their letter admits they did not provide the <em>required</em> <em>documentation</em> <em>under</em> <em>Section</em> 609, 611 <em>FCRA</em> any statements they made should not be considered as credible. I deny ever opening an account with them and as the furnisher of this erroneous information XXXX, XXXX and Transunion must be remove it from my file. Please be clear, XXXX provided NO proof as mandated <em>under</em> <em>Section</em> 609, 611 <em>FCRA</em>."]},"sort":[15.735756,"4091471"]},{"_index":"complaint-public-v1","_id":"7089483","_score":15.689414,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-08T20:38:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93710","tags":null,"has_narrative":true,"complaint_id":"7089483","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-08T20:33:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.689414,"7089483"]},{"_index":"complaint-public-v1","_id":"7070001","_score":15.689414,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-05T16:04:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93662","tags":null,"has_narrative":true,"complaint_id":"7070001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-05T16:00:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.689414,"7070001"]},{"_index":"complaint-public-v1","_id":"7092717","_score":15.663425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-09T15:28:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"7092717","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-09T15:24:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.663425,"7092717"]},{"_index":"complaint-public-v1","_id":"7089314","_score":15.663425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-08T20:38:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93710","tags":null,"has_narrative":true,"complaint_id":"7089314","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-08T20:38:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.663425,"7089314"]},{"_index":"complaint-public-v1","_id":"7066442","_score":15.663425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-04T18:11:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60423","tags":null,"has_narrative":true,"complaint_id":"7066442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-04T18:00:29.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.663425,"7066442"]},{"_index":"complaint-public-v1","_id":"7070140","_score":15.660162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-05T16:04:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93662","tags":null,"has_narrative":true,"complaint_id":"7070140","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-05T16:04:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.660162,"7070140"]},{"_index":"complaint-public-v1","_id":"7066562","_score":15.660162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-04T17:32:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92008","tags":null,"has_narrative":true,"complaint_id":"7066562","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-04T17:28:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.660162,"7066562"]},{"_index":"complaint-public-v1","_id":"7066394","_score":15.660162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-04T18:11:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60423","tags":null,"has_narrative":true,"complaint_id":"7066394","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-04T18:11:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.660162,"7066394"]},{"_index":"complaint-public-v1","_id":"7094774","_score":15.650274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-09T15:28:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"7094774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-09T15:28:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.650274,"7094774"]},{"_index":"complaint-public-v1","_id":"7089315","_score":15.650274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-08T20:38:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93710","tags":null,"has_narrative":true,"complaint_id":"7089315","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-08T20:38:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.650274,"7089315"]},{"_index":"complaint-public-v1","_id":"7070141","_score":15.650274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-05T16:04:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93662","tags":null,"has_narrative":true,"complaint_id":"7070141","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-05T16:04:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.650274,"7070141"]},{"_index":"complaint-public-v1","_id":"7066558","_score":15.650274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-04T17:33:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92008","tags":null,"has_narrative":true,"complaint_id":"7066558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-04T17:32:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.650274,"7066558"]},{"_index":"complaint-public-v1","_id":"7066393","_score":15.637907,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-06-04T18:11:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60423","tags":null,"has_narrative":true,"complaint_id":"7066393","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-04T18:11:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to ... promptly DELETE all information which can not be verified."]},"sort":[15.637907,"7066393"]},{"_index":"complaint-public-v1","_id":"4095597","_score":15.568111,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates is an unlawful organization that frequently is sued for violating the FDCPA and The FCRA. Please not in 2015 the CFPB sued Portfolio for several violations resulting in a {>= $1,000,000} settlement. In my case I have asked for and NOT received required documentation under Section 609 FCRA, which requires certain documents to be provided to a consumer in the case of identity theft. Portfolio despite being notified in numerous occasions has failed to provide the required documentation under Section 609 FCRA to me at any point. The only thing they sent was a manufactured letter to an address I have never lived at. \n\nPlease find a copy of my notice to XXXX, XXXX  and XXXX  that was also sent to various creditors where my identity has been assumed and derogatory items placed against my credit report. I am also attaching notices of various lawsuits filed against Portfolio for engaging in the same misconduct they are currently engaging in with regard to my personal credit file. \n\nPortfolio buys debts, they obviously can not produce the required documentation because of two reasons : I did not open this account and Portfolio does not have the required documentation under Section 609 FCRA and therefore the item must be deleted from my credit report since they can not and have not produced this information.","date_sent_to_company":"2021-01-27T00:09:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"4095597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2021-01-26T23:52:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Portfolio buys debts, they obviously can not produce the <em>required</em> <em>documentation</em> because of two reasons : I did not open this account and Portfolio does not have the <em>required</em> <em>documentation</em> <em>under</em> <em>Section</em> 609 <em>FCRA</em> and therefore the item must be deleted from my credit report since they can not and have not produced this information."]},"sort":[15.568111,"4095597"]},{"_index":"complaint-public-v1","_id":"5190894","_score":15.561123,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, Trans Union, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.","date_sent_to_company":"2022-02-06T17:09:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"5190894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-06T16:45:55.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are <em>required</em> <em>under</em> the <em>FCRA</em> to have a copy of the original creditors <em>documentation</em> on file to verify that this information is mine and is correct. XXXX, Trans Union, and XXXX have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 )."]},"sort":[15.561123,"5190894"]},{"_index":"complaint-public-v1","_id":"5190899","_score":15.558014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, XXXX XXXX, and Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.","date_sent_to_company":"2022-02-06T17:09:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"5190899","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-06T17:09:15.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are <em>required</em> <em>under</em> the <em>FCRA</em> to have a copy of the original creditors <em>documentation</em> on file to verify that this information is mine and is correct. XXXX, XXXX XXXX, and Experian have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 )."]},"sort":[15.558014,"5190899"]},{"_index":"complaint-public-v1","_id":"5190898","_score":15.548033,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.","date_sent_to_company":"2022-02-06T17:09:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"5190898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-06T17:09:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are <em>required</em> <em>under</em> the <em>FCRA</em> to have a copy of the original creditors <em>documentation</em> on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 )."]},"sort":[15.548033,"5190898"]},{"_index":"complaint-public-v1","_id":"7898948","_score":15.468425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX","date_sent_to_company":"2023-11-24T17:16:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33435","tags":null,"has_narrative":true,"complaint_id":"7898948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-11-24T17:16:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Section</em> 605C of the <em>FCRA</em> and <em>section</em> 1022.142 of Regulation V, specify the <em>documentation</em> and information <em>required</em> to support a request to remove information on the basis that it resulted from XXXX XXXX"]},"sort":[15.468425,"7898948"]},{"_index":"complaint-public-v1","_id":"7898840","_score":15.468425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX","date_sent_to_company":"2023-11-24T17:16:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33435","tags":null,"has_narrative":true,"complaint_id":"7898840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-11-24T17:16:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Section</em> 605C of the <em>FCRA</em> and <em>section</em> 1022.142 of Regulation V, specify the <em>documentation</em> and information <em>required</em> to support a request to remove information on the basis that it resulted from XXXX XXXX"]},"sort":[15.468425,"7898840"]},{"_index":"complaint-public-v1","_id":"6463473","_score":15.463422,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. \nAccount name : US DEPT OF EDUCATION # XXXX  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.","date_sent_to_company":"2023-01-20T05:27:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07748","tags":null,"has_narrative":true,"complaint_id":"6463473","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-20T05:23:16.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original <em>documentation</em> ( a consumer contract with my signature on it ) as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as <em>required</em> <em>under</em> <em>Section</em> 611 ( a ) ( 7 ). Please be advised that <em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em> you are <em>required</em> to promptly DELETE all information which can not be verified."]},"sort":[15.463422,"6463473"]},{"_index":"complaint-public-v1","_id":"7899033","_score":15.428007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX","date_sent_to_company":"2023-11-24T17:16:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33435","tags":null,"has_narrative":true,"complaint_id":"7899033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Porsche Financial Services, Inc.","date_received":"2023-11-24T17:16:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Section</em> 605C of the <em>FCRA</em> and <em>section</em> 1022.142 of Regulation V, specify the <em>documentation</em> and information <em>required</em> to support a request to remove information on the basis that it resulted from XXXX XXXX"]},"sort":[15.428007,"7899033"]},{"_index":"complaint-public-v1","_id":"3459600","_score":15.404073,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent 3 letters to all 3 credit bureau 's, ( XXXX, Equifax, XXXX  ), and the negative items that I have requested to have removed, still remain on my credit. They are required, under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ),  as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to \" ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). I have been told that they have properly verified the accounts but I have not received any documentation with my signature on it. I've also been told by a rep at Equifax that they don't have original documentation with my signature on it because keeping paperwork like that would take up too much space.","date_sent_to_company":"2019-12-05T22:13:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"620XX","tags":null,"has_narrative":true,"complaint_id":"3459600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-05T22:13:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are <em>required</em>, <em>under</em> the <em>FCRA</em> to have a copy of the original creditors <em>documentation</em> on file to verify that this information is mine and is correct. They have not provided me a copy of any original <em>documentation</em> ( a consumer contract with my signature on it ),  as <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ). 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