{"took":226,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22339,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4068474","_score":15.564911,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am submitting a complaint against Chex Systems , Inc., regarding their investigation into a dispute I have opened regarding XXXX XXXX XXXX XXXX. I am attaching to my complaint my notice to Chex Systems under Section 609 FCRA. I am a consumer under the FCRA and XXXX XXXX is a Credit Reporting Agency under the FCRA. I am also attaching a copy of XXXX XXXX response to the CFPB which admits to the violations of XXXX XXXX under Section 609 FCRA. Additionally I am attaching a notice of intent to sue and an opinion of a lawsuit filed by the FTC against XXXX for similar violations of the FCRA. Pursuant to Section 609 FCRA companies ( XXXX XXXX ) is required to provide application and business transaction records regarding alleged fraudulent transactions to the consumer in a timely manner. This means that XXXX XXXX  is required to ensure that the entity reporting the information ( XXXX XXXX XXXX XXXX ) has supplied the above information to the consumer. XXXX XXXX can not as a matter of practice simply rely upon the creditor to verify the information as accurate or they become equally liable. XXXX XXXX response to the CFPB admits that they have failed to investigate the matter properly because XXXX XXXX only states that XXXX XXXX XXXX XXXX verified the information as accurate high does not comply with Section 609 FCRA.\n\nSection 609 FCRA requires certain record to be provided to consumers and in XXXX XXXX response to the CFPB they do not state the documents were provided by XXXX XXXX XXXX XXXX to the consumer. While it is not XXXX XXXX responsibility to provide the required documents under Section 609 FCRA, it is XXXX XXXX  responsibility to investigate if the credit reporting entity did in fact provide the required documents under Section 609 FCRA. \n\nThe response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the required documents under Section 609 FCRA. As such since more than 30 days have elapsed the derogatory item must be deleted based upon the failure of XXXX XXXX XXXX XXXX to provide this information to me since I did not open account with them.","date_sent_to_company":"2021-01-14T18:05:41.000Z","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":"4068474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2021-01-14T17:40:15.000Z","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":["While it is not XXXX XXXX responsibility to provide the <em>required</em> <em>documents</em> <em>under</em> <em>Section</em> 609 <em>FCRA</em>, it is XXXX XXXX  responsibility to investigate if the credit reporting entity did in fact provide the <em>required</em> <em>documents</em> <em>under</em> <em>Section</em> 609 <em>FCRA</em>. \n\nThe response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the <em>required</em> <em>documents</em> <em>under</em> <em>Section</em> 609 <em>FCRA</em>."]},"sort":[15.564911,"4068474"]},{"_index":"complaint-public-v1","_id":"4102848","_score":15.253245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.","date_sent_to_company":"2021-01-29T16:52:24.000Z","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":"4102848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-29T16:52:18.000Z","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 reassert my complaint and notice of dispute <em>under</em> <em>Section</em> 609 <em>FCRA</em> for XXXX XXXX to provide copies of written contracts and or agreements <em>under</em> <em>Section</em> 609 <em>FCRA</em>, in addition to providing the identifying <em>documents</em> used to open the account with XXXX XXXX <em>under</em> <em>Section</em> 609 <em>FCRA</em>."]},"sort":[15.253245,"4102848"]},{"_index":"complaint-public-v1","_id":"4102888","_score":15.230471,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.","date_sent_to_company":"2021-01-29T16:52:24.000Z","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":"4102888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-29T16:52:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I reassert my complaint and notice of dispute <em>under</em> <em>Section</em> 609 <em>FCRA</em> for XXXX XXXX to provide copies of written contracts and or agreements <em>under</em> <em>Section</em> 609 <em>FCRA</em>, in addition to providing the identifying <em>documents</em> used to open the account with XXXX XXXX <em>under</em> <em>Section</em> 609 <em>FCRA</em>."]},"sort":[15.230471,"4102888"]},{"_index":"complaint-public-v1","_id":"4102839","_score":15.230471,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have dispute the accuracy of an account with American Express under Section 609 FCRA which requires specific records to be produced by American Express as stated in Section 609 FCRA requiring American Express to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with American Express. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with American Express at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX  for engaging in the very same misconduct that American Express is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for American Express to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with American Express under Section 609 FCRA.","date_sent_to_company":"2021-01-29T16:52:11.000Z","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":"4102839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-01-29T16:34:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I reassert my complaint and notice of dispute <em>under</em> <em>Section</em> 609 <em>FCRA</em> for American Express to provide copies of written contracts and or agreements <em>under</em> <em>Section</em> 609 <em>FCRA</em>, in addition to providing the identifying <em>documents</em> used to open the account with American Express <em>under</em> <em>Section</em> 609 <em>FCRA</em>."]},"sort":[15.230471,"4102839"]},{"_index":"complaint-public-v1","_id":"4071927","_score":14.744878,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. \n\nI am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, Experian has an error problem on their document upload it does not allow you to upload the documents. \n\nIt is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.","date_sent_to_company":"2021-01-15T21:11:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"4071927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-15T21:11:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have sent 3 notices <em>under</em> <em>Section</em> 609 <em>FCRA</em> demanding that XXXX XXXX provide to me certain <em>documents</em> mandated <em>under</em> <em>Section</em> 609 <em>FCRA</em>. It has been over 90 days since my demand <em>under</em> <em>Section</em> 609 <em>FCRA</em> and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation <em>under</em> <em>Section</em> 609 <em>FCRA</em>. XXXX  continues to allow the company to report the derogatory item all the while being in violation of <em>Section</em> 608 <em>FCRA</em>."]},"sort":[14.744878,"4071927"]},{"_index":"complaint-public-v1","_id":"4071926","_score":14.723194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. \n\nI am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, XXXX  has an error problem on their document upload it does not allow you to upload the documents. \n\nIt is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.","date_sent_to_company":"2021-01-15T21:11:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"4071926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-15T21:11:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have sent 3 notices <em>under</em> <em>Section</em> 609 <em>FCRA</em> demanding that XXXX XXXX provide to me certain <em>documents</em> mandated <em>under</em> <em>Section</em> 609 <em>FCRA</em>. It has been over 90 days since my demand <em>under</em> <em>Section</em> 609 <em>FCRA</em> and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation <em>under</em> <em>Section</em> 609 <em>FCRA</em>. XXXX  continues to allow the company to report the derogatory item all the while being in violation of <em>Section</em> 608 <em>FCRA</em>."]},"sort":[14.723194,"4071926"]},{"_index":"complaint-public-v1","_id":"2032627","_score":14.616131,"_source":{"product":"Credit reporting","complaint_what_happened":"Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.","date_sent_to_company":"2016-07-27T20:32:32.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"2032627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-07-27T20:32:31.000Z","state":"AL","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["<em>under</em> <em>Section</em> 611 ( 5 ) ( A ) of the <em>FCRA</em>- they are <em>required</em> to ... promptly delete all information which can not be verified."]},"sort":[14.616131,"2032627"]},{"_index":"complaint-public-v1","_id":"18005909","_score":14.535076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Giggle Finance is reporting an inquiry appearing as Giggle Finance Hard Inquiry on my credit report. I disputed this inquiry and requested all records proving permissible purpose, including the full application history, IP address logs, device ID, timestamp, authorization documents, and any communications allegedly authorizing the pull. Giggle Finance provided nothing. This violates FCRA section 604 ( a ), which requires permissible purpose, and section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ), which require reinvestigation and Method of Verification. Reporting an inquiry without proof of authorization violates section 607 ( b ) because furnishers must ensure maximum possible accuracy. Under binding principles from Federal Trade Commission commentary and CFPB enforcement actions ( e.g., XXXX XXXX consent order ), unverifiable inquiries can not remain. \n\n\n\nI requested the complete method of verification, including all documents required under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, e-Oscar audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries under FCRA 604 ( a ), full account-level documentation under FCRA 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any documents used to verify the information they are furnishing.","date_sent_to_company":"2025-11-29T04:47:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29650","tags":null,"has_narrative":true,"complaint_id":"18005909","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Giggle Finance Inc.","date_received":"2025-11-29T04:42:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested the complete method of verification, including all <em>documents</em> <em>required</em> <em>under</em> <em>FCRA</em> 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, e-Oscar audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries <em>under</em> <em>FCRA</em> 604 ( a ), full account-level documentation <em>under</em> <em>FCRA</em> 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any <em>documents</em> used to verify the information they are"]},"sort":[14.535076,"18005909"]},{"_index":"complaint-public-v1","_id":"4085897","_score":14.312549,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please find my complaint against Chex Systems for failure to comply with Section 609, 611 FCRA. I am attaching to my complaint components of Section 611 FCRA. I am filing this complaint based upon an erroneous report on my Chex Systems File from XXXX XXXX XXXX XXXX. In their response to the CFPB Chex systems stated that if a police report was submitted they would reinvestigate the complaint. Chex Systems also referred me back to XXXX XXXX XXXX XXXX  for further information. XXXX XXXX XXXX XXXX has failed to comply with Section 609, 611 FCRA by failing to provide me with the required information pursuant to Section 609, 611 FCRA. \n\nI make demand of the following information as part of Chex Systems reinvestigation into my complaint under Section 609, 611 FCRA. \n\nI demand the time, date and authorization utilized by XXXX XXXX XXXX XXXX to access my credit file for purposes of establishing an account with them in the name of XXXX XXXX XXXX XXXX XXXX, I demand all identifying documents associated with or in connection with establishing an account with XXXX XXXX XXXX XXXX, the person supplying those documents and the time and date those documents were provided to Chex Systems in the name of XXXX XXXX XXXX XXXX XXXX, I demand all copies of account agreements, contracts, depository history or any identifying document that referenced XXXX XXXX XXXX XXXX XXXX, I demand the type of investigation taken by XXXX XXXX XXXX XXXX and Chex Systems to verify the information supplied to Chex Systems by XXXX XXXX XXXX XXXX to verify the report related to XXXX XXXX XXXX, XXXX, as required under Section 611 FCRA. \n\nI am enclosing the contents of Section 611 FCRA to ensure that Chex Systems and XXXX XXXX XXXX XXXX comply with the statute regarding the investigation of my complaint and the dispute of the information on my credit file with Chex Systems , Inc., Please comply with all facets of the submitted statute under Section 611 and demands I have made with regard to my dispute under Section 611 FCRA.","date_sent_to_company":"2021-01-22T15:35:08.000Z","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":"4085897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2021-01-22T15:07:47.000Z","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":["XXXX XXXX XXXX XXXX has failed to comply with <em>Section</em> 609, 611 <em>FCRA</em> by failing to provide me with the <em>required</em> information pursuant to <em>Section</em> 609, 611 <em>FCRA</em>. \n\nI make demand of the following information as part of Chex Systems reinvestigation into my complaint <em>under</em> <em>Section</em> 609, 611 <em>FCRA</em>."]},"sort":[14.312549,"4085897"]},{"_index":"complaint-public-v1","_id":"8420429","_score":14.214797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This item/information identified in the attached document ( XXXX  ) is a result of Severe forms of Trafficking in Persons. I Request for the Blocking of this Adverse Information as defined under section 605C of the Fair Credit Reporting Act ( FCRA ) See Attachment for Required Documentation required by 605C FCRA guidelines.","date_sent_to_company":"2024-02-26T10:54:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"8420429","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-26T10:31:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This item/information identified in the attached <em>document</em> ( XXXX  ) is a result of Severe forms of Trafficking in Persons. I Request for the Blocking of this Adverse Information as defined <em>under</em> <em>section</em> 605C of the Fair Credit Reporting Act ( <em>FCRA</em> ) See Attachment for <em>Required</em> Documentation <em>required</em> by 605C <em>FCRA</em> guidelines."]},"sort":[14.214797,"8420429"]},{"_index":"complaint-public-v1","_id":"1993444","_score":14.176308,"_source":{"product":"Credit reporting","complaint_what_happened":"I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. \n\n\nThe credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. \nUnder Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to \" ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. \n\n\nThe credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. \nUnder Section 611 ( 5 ) ( A ) of the FCRA - you are required to \" ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES","date_sent_to_company":"2016-06-30T22:10:08.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"1993444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-06-30T22:10:07.000Z","state":"GA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["<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. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES"]},"sort":[14.176308,"1993444"]},{"_index":"complaint-public-v1","_id":"14358266","_score":14.130652,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised, this is MY SECOND WRITTEN REQUEST. Yhe unverifierd items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify this information is mine and correct. In your investigation you stated these accounts were \" verified '' .and REPORTED CORRECTLY? WHO VERIFIED THEM? You have not provided me with any documents with my signature on it required by the FCRA Section 609 ( a ) (! ) ( A ) and Section 611 ( a0 ( 1 ) ( A ).\n\nSection 611 of the FCRA you are required to \" promptly delete all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \nI","date_sent_to_company":"2025-06-29T22:26:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"14358266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-06-29T21:43:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You are <em>required</em> <em>under</em> the <em>FCRA</em> to have a copy of the original creditor 's documentation on file to verify this information is mine and correct. In your investigation you stated these accounts were \" verified '' .and REPORTED CORRECTLY? WHO VERIFIED THEM? You have not provided me with any <em>documents</em> with my signature on it <em>required</em> by the <em>FCRA</em> <em>Section</em> 609 ( a ) (! ) ( A ) and <em>Section</em> 611 ( a0 ( 1 ) ( A )."]},"sort":[14.130652,"14358266"]},{"_index":"complaint-public-v1","_id":"2708016","_score":14.125694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent three letters to the Credit BureausXXXX XXXX, XXXX and Experian, dated XXXX,XXXX and the most recent letter dated XXXX/XXXX/XXXX requesting that i be provided with documentation verifying items on my credit report or for the items to be deleted if the documentation was not available, and only received response stating items verified with no Verification documents attached, ( original contract document with my signature as they are required to keep on file by federal law ). \n\nletter # 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/XXXX According to the 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 you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. \n\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. \nresponse verified ( no documents provided ). \n\nletter # 2 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX | DOB :  XXXX/XXXX/XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? \n\nYou have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. \nresponse verified ( no documents provided ). \n\nletter # 3 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX | DOB :  XXXX/XXXX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite two written requests, the unverified items listed below still remains 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 first investigation and subsequent reinvestigation, 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. \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. \n\nI demand the following accounts be verified or deleted immediately. \nI am waiting on the completion of the latest request, but not hopeful to receive requested documents.","date_sent_to_company":"2017-10-20T16:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11413","tags":null,"has_narrative":true,"complaint_id":"2708016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-20T15:22:58.000Z","state":"NY","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 documentation ( 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":[14.125694,"2708016"]},{"_index":"complaint-public-v1","_id":"2707806","_score":14.125694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent three letters to the Credit BureausXXXX XXXX Transunion and XXXX, dated XXXX and the most recent letter dated XXXX/XXXX/XXXX requesting that i be provided with documentation verifying items on my credit report or for the items to be deleted if the documentation was not available, and only received response stating items verified with no Verification documents attached, ( original contract document with my signature as they are required to keep on file by federal law ). \n\nletter # 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX | DOB : XXXX/XXXX/XXXX According to the 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 you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. \n\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. \nresponse verified ( no documents provided ). \n\nletter # 2 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX | DOB :  XXXX/XXXX/XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? \n\nYou have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. \nresponse verified ( no documents provided ). \n\nletter # 3 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX | DOB :  XXXX/XXXX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite two written requests, the unverified items listed below still remains 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these acc\n\nounts? 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.\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. \n\nI demand the following accounts be verified or deleted immediately. \nI am waiting on the completion of the latest request, but not hopeful to receive requested documents.","date_sent_to_company":"2017-10-20T16:10:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11413","tags":null,"has_narrative":true,"complaint_id":"2707806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-20T16:10:01.000Z","state":"NY","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 documentation ( 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":[14.125694,"2707806"]},{"_index":"complaint-public-v1","_id":"2707812","_score":14.104086,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent three letters to the Credit Bureaus, Equifax, XXXX and XXXX, dated XXXX and the most recent letter dated XXXX/XXXX/XXXX requesting that i be provided with documentation verifying items on my credit report or for the items to be deleted if the documentation was not available, and only received response stating items verified with no Verification documents attached, ( original contract document with my signature as they are required to keep on file by federal law ). \n\nletter # XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX NY XXXX XXXX : XXXX XXXX DOB : XXXX/XXXX/XXXX According to the 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 you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. \n\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. \nresponse verified XXXX no documents provided XXXX. \n\nletter # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX NY XXXX XXXX : XXXX XXXX DOB :  XXXX/XXXX/XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? \n\nYou have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) (  A ) of the FCRA you 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. \nresponse verified XXXX no documents provided XXXX. \n\nletter # 3 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX NY XXXX XXXX : XXXX XXXX DOB :  XXXX/XXXX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite two written requests, the unverified items listed below still remains 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 first investigation and subsequent reinvestigation, 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. \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. \n\nI demand the following accounts be verified or deleted immediately. \nI am waiting on the completion of the latest request, but not hopeful to receive requested documents.","date_sent_to_company":"2017-10-20T16:10:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11413","tags":null,"has_narrative":true,"complaint_id":"2707812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-20T16:10:01.000Z","state":"NY","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 documentation ( 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":[14.104086,"2707812"]},{"_index":"complaint-public-v1","_id":"14538642","_score":14.0499525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a formal identity theft complaint to Equifax under FCRA Section 605B. I provided a complete and valid package including a signed FTC Identity Theft Report, a government-issued photo ID, my full unredacted Social Security number, and a recent document verifying my current address. Despite this, on XX/XX/year>, Equifax responded stating they would not block the fraudulent information under Section 605B and instead opened a standard dispute investigation under Section 611. This response is a direct violation of FCRA 605B ( c ), which requires Equifax to block the disputed identity theft-related information within four business days after receiving the required documents. The fraudulent entries include multiple unauthorized hard inquiries and two fraudulent accounts, as well as an inquiry from XXXX dated XX/XX/year>, which I did not authorize, initiate, or benefit from in any way. In addition, Equifax falsely claimed that my identity documents were insufficient without specifying what was missing, violating FCRA 610 ( a ). As of XX/XX/year>, the fraudulent accounts and unauthorized inquiries still remain on my credit report, which also violates the accuracy and compliance requirements under FCRA 607 ( a ) and 602 ( a ). This is a clear and willful refusal to comply with federal consumer protection law.","date_sent_to_company":"2025-07-09T22:13:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95610","tags":null,"has_narrative":true,"complaint_id":"14538642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-09T22:09:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite this, on XX/XX/year>, Equifax responded stating they would not block the fraudulent information <em>under</em> <em>Section</em> 605B and instead opened a standard dispute investigation <em>under</em> <em>Section</em> 611. This response is a direct violation of <em>FCRA</em> 605B ( c ), which <em>requires</em> Equifax to block the disputed identity theft-related information within four business days after receiving the <em>required</em> <em>documents</em>."]},"sort":[14.0499525,"14538642"]},{"_index":"complaint-public-v1","_id":"3003024","_score":14.001091,"_source":{"product":"Debt collection","complaint_what_happened":"I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. \n\n\n\n\n\n\n\nPlease be advised this is my SECOND WRITTEN REQUEST. \n\nYou have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? \n\nWhere are the documents that you used to verify these accounts? \n\nWhat is the name of the person in your company who verified these accounts? \n\nWhat documents did they use to verify them? \n\nPlease provide me with the name of that individual, their business address, and telephone number. \n\n\nYou have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2018-08-27T14:02:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"20715","tags":null,"has_narrative":true,"complaint_id":"3003024","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2018-08-27T13:52:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original documentation <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and <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.\n\nThe law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( <em>Section</em> 617 ) if you fail to comply."]},"sort":[14.001091,"3003024"]},{"_index":"complaint-public-v1","_id":"2778354","_score":13.985125,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA 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 you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.","date_sent_to_company":"2018-01-10T15:05:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11580","tags":null,"has_narrative":true,"complaint_id":"2778354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2018-01-10T13:18:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the <em>documents</em> are mine <em>under</em> the <em>FCRA</em>. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as <em>required</em> <em>under</em> the <em>FCRA</em> <em>section</em> 609 ( a ) ( 1 ) ( A ) & <em>section</em> 611 ( a ) ( 1 ) ( A )."]},"sort":[13.985125,"2778354"]},{"_index":"complaint-public-v1","_id":"4154741","_score":13.984789,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite two written requests, 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 first investigation and subsequent reinvestigation, 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. \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. \n\nTo my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer. \nIf you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. \nFinally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.","date_sent_to_company":"2021-02-21T15:14:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4154741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-21T15:14:16.000Z","state":"FL","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 documentation ( 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":[13.984789,"4154741"]},{"_index":"complaint-public-v1","_id":"4154740","_score":13.981728,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite two written requests, 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 first investigation and subsequent reinvestigation, 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. \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. \n\nTo my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer.\n\nIf you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. \nFinally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.","date_sent_to_company":"2021-02-21T15:14:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4154740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-21T15:14:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original documentation ( 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":[13.981728,"4154740"]},{"_index":"complaint-public-v1","_id":"6025270","_score":13.970723,"_source":{"product":"Debt collection","complaint_what_happened":"I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \nThe law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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":"2022-09-27T19:48:53.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"6025270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2022-09-27T19:38:49.000Z","state":"OH","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 am requesting that you validate the information on my report with all original <em>documents</em> including payment history and original contracts. You have NOT provided me a copy of ANY original documentation <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and <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":[13.970723,"6025270"]},{"_index":"complaint-public-v1","_id":"4079078","_score":13.945736,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, XXXX  and Transunion with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, however they continue to erroneously report this item on my credit report. My complaint against XXXX XXXX and Transunion is that although being noticed under Section 609 FCRA, Collectively XXXX XXXX and Transunion are not requiring as part of their investigation XXXX XXXX XXXX XXXX or XXXX XXXX XXXX  to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.","date_sent_to_company":"2021-01-19T22:57:46.000Z","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":"4079078","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-19T22:57:42.000Z","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 am attaching the notices sent <em>under</em> <em>Section</em> 609 <em>FCRA</em> which <em>REQUIRES</em> XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to provide specific <em>documents</em> <em>under</em> <em>Section</em> 609 <em>FCRA</em> and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with <em>Section</em> 609 <em>FCRA</em>. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, however they continue to erroneously report this item on my credit report."]},"sort":[13.945736,"4079078"]},{"_index":"complaint-public-v1","_id":"3192251","_score":13.938817,"_source":{"product":"Debt collection","complaint_what_happened":"This creditor continue to send XXXX  that they verified the account as accurate. Where are these supporting documents I want to see the documents they are using to verify these fraud accounts as belonging to me? This accounts do not belong to me and I had already placed a fraud alert on my credit report. XXXX and XXXX  have removed these fraud accounts and XXXX  continue to investigate with out showing me valid documentation from the investigation. From my understandin 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 If you do not have valid documentation by law you can't file such collections on my report. \n\nYou have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( With Valid documentation )","date_sent_to_company":"2019-03-27T05:49:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"08901","tags":null,"has_narrative":true,"complaint_id":"3192251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2019-03-27T01:38:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You have NOT provided me a copy of ANY original documentation <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and <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. ( With Valid documentation )"]},"sort":[13.938817,"3192251"]},{"_index":"complaint-public-v1","_id":"4079079","_score":13.933984,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX Credit Card or XXXX XXXX XXXX  is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, Equifax and XXXX with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX  or XXXX XXXXXXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX however they continue to erroneously report this item on my credit report. My complaint against XXXX, Equifax and XXXX is that although being noticed under Section 609 FCRA, Collectively XXXX Equifax and XXXX are not requiring as part of their investigation XXXX XXXXXXXX XXXX XXXX or XXXX XXXXXXXX XXXX to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.","date_sent_to_company":"2021-01-19T22:57:46.000Z","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":"4079079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-19T22:57:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am attaching the notices sent <em>under</em> <em>Section</em> 609 <em>FCRA</em> which <em>REQUIRES</em> XXXX XXXX XXXX XXXX  or XXXX XXXXXXXX XXXX to provide specific <em>documents</em> <em>under</em> <em>Section</em> 609 <em>FCRA</em> and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with <em>Section</em> 609 <em>FCRA</em>. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX however they continue to erroneously report this item on my credit report."]},"sort":[13.933984,"4079079"]},{"_index":"complaint-public-v1","_id":"6351767","_score":13.831073,"_source":{"product":"Debt collection","complaint_what_happened":"I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.","date_sent_to_company":"2022-12-22T08:33:52.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"43614","tags":null,"has_narrative":true,"complaint_id":"6351767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2022-12-22T08:29:34.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am requesting that you validate the information on my report with all original <em>documents</em> including payment history and original contracts. You have NOT provided me a copy of ANY original documentation <em>required</em> <em>under</em> <em>Section</em> 609 ( a ) ( 1 ) ( A ) & <em>Section</em> 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and <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 validated."]},"sort":[13.831073,"6351767"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":22339,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":22339}]}},"product":{"doc_count":22339,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":13734,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13603},{"key":"Other personal consumer 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