{"took":115,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1243,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10598040","_score":17.66075,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have Never missed a payment on the following account : XXXX XXXX XXXXXXXX. \nI DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED TO provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these late payments be corrected to reflect their accurate and completeness in consumer reports. \nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-10-29T02:07:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30058","tags":"Servicemember","has_narrative":true,"complaint_id":"10598040","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-29T00:33:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : XXXX XXXX XXXX, <em>Consumer</em> Social <em>Security</em> Number : XXXX, <em>Consumer</em> Date of Birth : XX/XX/year> Urgent Demand for immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.66075,"10598040"]},{"_index":"complaint-public-v1","_id":"18277276","_score":17.183853,"_source":{"product":"Debt collection","complaint_what_happened":"I conditionally accept any and all claims, allegations, statements, demands, billing assertions, or representations made by Bank of America. regarding any account, obligation, or alleged debt bearing my name, upon strict proof and full performance of the conditions set forth herein.\n\nThis Conditional Acceptance is issued without prejudice, with all rights expressly reserved pursuant to UCC 1-308, and is issued contemporaneously with my Affidavit of Truth, which is incorporated herein by reference as if fully set forth.\n\nCONDITIONS OF ACCEPTANCE My acceptance is expressly conditioned upon Bank of America timely production of the following : 1. Proof of Standing and Authority Provide sworn, documentary evidence establishing : a. That Bank of America. is the current lawful creditor, holder in due course, or party entitled to enforce the alleged obligation ; b. That no assignment, transfer, sale, pledge, or securitization has divested Bank of America of standing ; or c. If any such transfer occurred, full identification of all assignees, trustees, beneficiaries, and servicers.\n\n2. UCC 9-210 Full Accounting Provide a complete accounting in compliance with UCC 9-210 , including but not limited to : All assignments, transfers to trust or trustee bank, or sales of the account or receivable ; Dates and consideration paid for each transaction ; Ledger-level entries showing all credits, offsets, proceeds, and profits ; Identification of any security interest, collateralization, or monetization.\n\n3. GAAP / ASC 860 Accounting Provide a GAAP-compliant accounting, including : Whether the account was treated as a sale or secured borrowing under ASC 860 ; Whether the receivable was removed from Bank of America balance sheet ; Any retained interests, servicing rights, residuals, insurance, or credit enhancements ; Reconciliation of any remaining balance after application of all proceeds.\n\n4. Securities Law Disclosures Provide disclosure and documentary support identifying : All SEC filings ( including Forms 10-K, 10-Q, 8-K, S-3, S-1, and Regulation AB disclosures ) referencing receivables of the class to which my account belongs ; Any securitization trust, pool, SPV, or asset-backed security containing my account ; Pooling and Servicing Agreements, prospectuses, and trust documents ; Dates my account was transferred, deposited, or pledged.\n\n5. Proof Against Double Recovery Provide sworn proof that Bank of America. has not : Received payment, proceeds, insurance, guarantees, or trading profits related to the account ; Engaged in double recovery or unjust enrichment by collecting from both the market and me ; Continued collection or reporting after the obligation was satisfied, offset, or extinguished.\n\nTIME FOR PERFORMANCE Bank of American. is granted XXXX ( XXXX ) days from receipt of this Conditional Acceptance to fully perform each condition stated herein.\n\nFailure to timely and fully perform shall constitute : Non-acceptance of the conditions ; Agreement by acquiescence that the account has been satisfied, paid, or extinguished ; Admission that Bank of America lacks standing and lawful authority to enforce or report the alleged obligation.\n\nEFFECT OF NON-PERFORMANCE In the event of non-performance, incomplete performance, or reliance upon internal policy in lieu of lawful justification, I will proceed accordingly, including but not limited to : Assertion that the obligation is discharged or unenforceable ; Invocation of remedies under UCC Article 9, federal securities law, and consumer protection statutes ; Use of this Conditional Acceptance and the accompanying Affidavit of Truth as evidence in arbitration or court proceedings.\n\nNO WAIVER NO CONSENT Nothing herein shall be construed as : An admission of liability ; Consent to securitization or assignment ; Waiver of any rights, claims, or defenses.\n\nAll rights are expressly reserved.\n\nRespectfully, Sebastin Thomas Without Prejudice UCC 1-308 ATTACHED IS THE AFFIDAVIT OF TRUTH","date_sent_to_company":"2025-12-24T22:25:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"29016","tags":null,"has_narrative":true,"complaint_id":"18277276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-24T22:11:40.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["UCC 9-210 Full <em>Accounting</em> <em>Provide</em> a <em>complete</em> <em>accounting</em> in compliance with UCC 9-210 , including but not limited to : All assignments, transfers to trust or trustee bank, or sales of the <em>account</em> or receivable ; Dates and consideration paid for each transaction ; Ledger-level entries showing all credits, offsets, proceeds, and profits ; Identification of any <em>security</em> interest, collateralization, or monetization.\n\n3."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.183853,"18277276"]},{"_index":"complaint-public-v1","_id":"10296636","_score":17.065323,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/1989, Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX XXXX, [ XXXX ]. \n\nI DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-09-30T17:45:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19023","tags":null,"has_narrative":true,"complaint_id":"10296636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-30T17:45:14.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX, Social <em>Security</em> Number : XXXX, Date of Birth : XX/XX/1989, Urgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), <em>Consumer</em> Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.065323,"10296636"]},{"_index":"complaint-public-v1","_id":"10358668","_score":17.000757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXUrgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. \n\n\nI DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. \nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-10-05T18:48:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"502XX","tags":null,"has_narrative":true,"complaint_id":"10358668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-05T18:48:56.000Z","state":"IA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : XXXX XXXX, <em>Consumer</em> Social <em>Security</em> Number : XXXX, <em>Consumer</em> Date of Birth : XX/XX/XXXXUrgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.000757,"10358668"]},{"_index":"complaint-public-v1","_id":"10252559","_score":17.000757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. \n\nI formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. \n\nI have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.","date_sent_to_company":"2024-09-27T00:30:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"10252559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-27T00:24:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : ( XXXX, XXXX ), <em>Consumer</em> Social <em>Security</em> Number : ( XXXX ), <em>Consumer</em> Date of Birth : ( XX/XX/year> ), Contents of Complaint : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I discovered inaccuracies indicating late payments on an <em>account</em> for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), <em>Consumer</em> Reporting Agencies are legally required to ensure the utmost accuracy in reporting <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.000757,"10252559"]},{"_index":"complaint-public-v1","_id":"10252477","_score":17.000757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. \n\nI formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. \n\nI have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.","date_sent_to_company":"2024-09-27T00:35:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"10252477","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-27T00:31:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : ( XXXX, XXXX ), <em>Consumer</em> Social <em>Security</em> Number : ( XXXX ), <em>Consumer</em> Date of Birth : ( XX/XX/year> ), Contents of Complaint : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I discovered inaccuracies indicating late payments on an <em>account</em> for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), <em>Consumer</em> Reporting Agencies are legally required to ensure the utmost accuracy in reporting <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.000757,"10252477"]},{"_index":"complaint-public-v1","_id":"10357277","_score":16.954855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. \n\n\nI DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.\n\nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-10-05T18:48:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"502XX","tags":null,"has_narrative":true,"complaint_id":"10357277","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-05T18:05:42.000Z","state":"IA","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":["<em>Consumer</em> Name : XXXX XXXX, <em>Consumer</em> Social <em>Security</em> Number : XXXX, <em>Consumer</em> Date of Birth : XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.954855,"10357277"]},{"_index":"complaint-public-v1","_id":"10359228","_score":16.952885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. \n\n\nI DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. \nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-10-05T18:48:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"502XX","tags":null,"has_narrative":true,"complaint_id":"10359228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-05T18:48:56.000Z","state":"IA","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":["<em>Consumer</em> Name : XXXX XXXX, <em>Consumer</em> Social <em>Security</em> Number : XXXX, <em>Consumer</em> Date of Birth : XX/XX/XXXX Urgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.952885,"10359228"]},{"_index":"complaint-public-v1","_id":"10277160","_score":16.66767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : [ XXXX, XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/scrub>XX/XX/XXXX ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. \n\nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-09-28T16:32:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30518","tags":null,"has_narrative":true,"complaint_id":"10277160","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-28T16:11:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : [ XXXX, XXXX ], <em>Consumer</em> Social <em>Security</em> Number : [ XXXX ], <em>Consumer</em> Date of Birth : [ XX/XX/scrub>XX/XX/XXXX ] Urgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.66767,"10277160"]},{"_index":"complaint-public-v1","_id":"10266673","_score":16.639048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : [ XXXX XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/year> ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. \n\nI DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA XXXX XXXX, which mandates accuracy and completeness in consumer reports. \n\nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-09-27T19:46:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"10266673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-27T19:42:07.000Z","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":["<em>Consumer</em> Name : [ XXXX XXXX ], <em>Consumer</em> Social <em>Security</em> Number : [ XXXX ], <em>Consumer</em> Date of Birth : [ XX/XX/year> ] Urgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.639048,"10266673"]},{"_index":"complaint-public-v1","_id":"10277189","_score":16.636526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : [ XXXX, XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/year> ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. \n\nI have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.","date_sent_to_company":"2024-09-28T16:10:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30518","tags":null,"has_narrative":true,"complaint_id":"10277189","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-28T16:03:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : [ XXXX, XXXX ], <em>Consumer</em> Social <em>Security</em> Number : [ XXXX ], <em>Consumer</em> Date of Birth : [ XX/XX/year> ] Urgent Demand for Immediate Correction of Inaccurate Reporting : <em>Upon</em> reviewing my <em>Consumer</em> Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an <em>account</em> where I have ALWAYS made punctual payments."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.636526,"10277189"]},{"_index":"complaint-public-v1","_id":"18245994","_score":16.427303,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing this complaint against Santander Consumer USA Inc. for violations of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ), for failure to conduct a reasonable investigation, failure to review all relevant information, continued furnishing of unverifiable information, and improper assertion of a security interest without proof of enforceable authority.\n\nI submitted multiple written disputes regarding the above-referenced auto loan. In those disputes, I demanded verification of the accuracy and enforceability of the account, including : An authenticated copy of the original retail installment contract Proof of lawful assignment and complete chain of custody, including documentation showing transfer, delivery, acceptance, and authority to enforce the alleged obligation and any related security interest A full, sworn accounting of the alleged balance Verification of lien perfection and authority Santander failed to provide sworn validation or proof of standing. Instead, they provided unsworn reproductions and system-generated records, which do not satisfy FCRA verification requirements once the accuracy and authenticity of the account were formally disputed.\n\nAfter exhausting informal dispute procedures, I served a sworn Affidavit of Default and Opportunity to Cure. Santander did not rebut the affidavit or provide the requested documentation.\n\nDespite this, Santander continues to : Furnish the account to consumer reporting agencies Assert a lien or security interest without producing proof of enforceable authority or lawful assignment This constitutes willful noncompliance with 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ), including failure to reasonably investigate, failure to verify accuracy, and continued reporting of information that can not be substantiated.\n\nI request that the CFPB require Santander Consumer USA Inc. to : 1. Cease furnishing this account unless and until it is fully verified with competent, sworn evidence 2. Correct or delete any inaccurate or unverifiable credit reporting 3. Provide proof of lawful authority and lien validity or release the lien immediately 4. Provide a written explanation of the investigation conducted and the basis for any continued reporting All documentation, affidavits, and proof of delivery are available upon request.","date_sent_to_company":"2025-12-23T14:49:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"44256","tags":null,"has_narrative":true,"complaint_id":"18245994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-12-23T14:14:53.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In those disputes, I demanded verification of the accuracy and enforceability of the <em>account</em>, including : An authenticated copy of the original retail installment contract Proof of lawful assignment and <em>complete</em> chain of custody, including documentation showing transfer, delivery, acceptance, and authority to enforce the alleged <em>obligation</em> and any related <em>security</em> interest A full, sworn <em>accounting</em> of the alleged balance Verification of lien perfection and authority Santander failed to <em>provide</em> sworn"]},"sort":[16.427303,"18245994"]},{"_index":"complaint-public-v1","_id":"21189409","_score":16.257282,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns the continued reporting and attempted enforcement of an alleged debt originally issued by XXXX XXXX XXXX XXXX and subsequently associated with Security Credit Services. \n\nMy consumer disclosure reflects that the account was charged off in the approximate amount of {$19000.00} and later transferred or sold to another entity. \n\nDespite formal dispute and evidentiary notice, this account continues to be reported and/or represented without competent documentary substantiation. \n\nThis raises material violations under both Regulation V ( XXXX CFR Part XXXX ) and Regulation XXXX  ( XXXX CFR Part XXXX ). \n\n-- - REGULATION V VIOLATIONS ( FURNISHER AND REPORTING OBLIGATIONS ) Under XXXX CFR XXXX ( b ), furnishers are required to conduct a reasonable investigation upon receipt of a dispute and review all relevant information. \n\nNo documentation has been provided demonstrating : The original executed agreement The complete transactional ledger The methodology used to calculate the reported balance The factual basis for the charge-off determination Under XXXX CFR XXXX, furnishers must maintain reasonable procedures to ensure maximum possible accuracy and integrity of furnished information. \n\nBecause the account is reported as charged off and transferred, accuracy requires verifiable proof of : The original obligation The complete balance calculation The identity of the current owner The legal authority of any entity continuing to report the account Without such documentation, the information is materially unverifiable. \n\n-- - REGULATION XXXX  VIOLATIONS ( DEBT COLLECTION CONDUCT ) Security Credit Services, as a third-party debt collector, is subject to Regulation XXXX. \n\nUnder XXXX CFR XXXX, a debt collector must provide accurate validation information, including : The amount of the debt The identity of the creditor Sufficient information to allow the consumer to evaluate the debt No such validation has been provided. \n\nUnder XXXX CFR XXXX, a debt collector must properly investigate disputes and respond with substantiated findings. \n\nNo competent documentation has been produced in response to dispute. \n\nUnder XXXX CFR XXXX ( d ), a debt collector is prohibited from making false, deceptive, or misleading representations regarding : The amount of the debt The ownership of the debt The legal status of the obligation Continued reporting or representation of this account without documentary substantiation raises material concerns under this provision. \n\n-- - CHAIN OF TITLE AND AUTHORITY DEFECTS The account is reported as sold or transferred. \n\nAccordingly, lawful reporting and collection require documentary proof of : Complete assignment chain from the original creditor Date and terms of transfer Identity of the current legal owner Authority of any entity reporting or attempting to collect Absent assignment-chain documentation, no party can establish lawful authority to report or enforce the alleged obligation. \n\n-- - WILLFUL NONCOMPLIANCE FRAMEWORK A formal evidentiary dispute notice has already been issued demanding full documentary verification. \n\nContinued reporting after actual notice of material defects, without production of underlying documentation, constitutes reckless disregard for statutory obligations. \n\nSee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A party can not continue to publish adverse financial information affecting a consumer while lacking the evidentiary basis necessary to support that publication. \n\n-- - REQUESTED RESOLUTION I request that the parties involved : XXXX. Provide full documentary verification, including : Original executed agreement Complete transactional ledger Itemized balance calculation Charge-off documentation Full assignment chain and ownership records XXXX. Identify the current legal owner of the account and the basis for continued reporting. \n\nXXXX. Cease any collection or reporting activity unless and until such documentation is produced. \n\nXXXX. Delete the account from all consumer reporting agencies if competent documentation can not be provided. \n\n\nNOTICE Any continued reporting, reinsertion, or representation of this account without documentary substantiation after formal dispute and evidentiary notice will be treated as knowing and willful noncompliance. \n\nThis complaint is submitted for regulatory review and enforcement action.","date_sent_to_company":"2026-04-13T16:19:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"11217","tags":null,"has_narrative":true,"complaint_id":"21189409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2026-04-13T16:06:35.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Because the <em>account</em> is reported as charged off and transferred, accuracy requires verifiable proof of : The original <em>obligation</em> The <em>complete</em> balance calculation The identity of the current owner The legal authority of any entity continuing to report the <em>account</em> Without such documentation, the information is materially unverifiable. \n\n-- - REGULATION XXXX  VIOLATIONS ( DEBT COLLECTION CONDUCT ) <em>Security</em> Credit Services, as a third-party debt collector, is subject to Regulation XXXX."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[16.257282,"21189409"]},{"_index":"complaint-public-v1","_id":"15848750","_score":15.954574,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Birth Date XX/XX/year> Social Security Number ( XXXX ) Credit Bureau Dear [ Credit Bureau ] , I am reaching out to challenge an inconsistency identified in the PAYMENT HISTORY section of my credit report, specifically in relation to the following account that has been charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. \n\nUnder the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. \n\nDue to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. \n\nI appreciate your prompt attention to this crucial matter. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2025-09-11T14:08:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"15848750","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-10T15:35:18.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent <em>Consumer</em> Protection Laws, I, as a <em>consumer</em>, hold the right to have accurate, current, and <em>complete</em> information on my credit report. I trust that all reporting agencies, including yours, abide by these <em>obligations</em>. \n\nDue to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.954574,"15848750"]},{"_index":"complaint-public-v1","_id":"15839983","_score":15.954574,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Birth Date XX/XX/year> Social Security Number ( XXXX ) Credit Bureau Dear [ Credit Bureau ] , I am reaching out to challenge an inconsistency identified in the PAYMENT HISTORY section of my credit report, specifically in relation to the following account that has been charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. \n\nUnder the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. \n\nDue to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. \n\nI appreciate your prompt attention to this crucial matter. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2025-09-11T14:08:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"15839983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-10T15:37:39.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent <em>Consumer</em> Protection Laws, I, as a <em>consumer</em>, hold the right to have accurate, current, and <em>complete</em> information on my credit report. I trust that all reporting agencies, including yours, abide by these <em>obligations</em>. \n\nDue to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.954574,"15839983"]},{"_index":"complaint-public-v1","_id":"15848836","_score":15.9118395,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX CT XXXX, NC XXXX Your Birth Date XX/XX/year> Social Security Number ( XXXX ) Credit Bureau Dear XXXX Credit Bureau XXXX XXXX I am reaching out to challenge an inconsistency identified in the PAYMENT HISTORY section of my credit report, specifically in relation to the following account that has been charged off : JPMCB AUTO XXXX XXXX XXXX XXXX XXXX LA XXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. \n\nUnder the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. \n\nDue to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. \n\nI appreciate your prompt attention to this crucial matter. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2025-09-11T14:10:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"15848836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-10T15:29:26.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent <em>Consumer</em> Protection Laws, I, as a <em>consumer</em>, hold the right to have accurate, current, and <em>complete</em> information on my credit report. I trust that all reporting agencies, including yours, abide by these <em>obligations</em>. \n\nDue to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report."]},"sort":[15.9118395,"15848836"]},{"_index":"complaint-public-v1","_id":"13703692","_score":15.817976,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, This letter serves as my formal request to investigate and remove inaccurate, derogatory, or unauthorized accounts and items listed on my LexisNexis consumer report.\n\nUpon reviewing my report, I have identified multiple errors and disputed entries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., LexisNexisas a consumer reporting agency under 15 U.S.C. 1681a ( f ) is obligated to ensure all data in consumer files is accurate, verifiable, and not outdated or misleading. \n\nIn particular, I call your attention to the following obligations under federal law : To follow reasonable procedures to ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ) ; To properly investigate disputed information ( 15 U.S.C. 1681i ) ; To only furnish consumer reports for legitimate and permissible purposes ( 15 U.S.C. 1681b ) ; To provide complete disclosures of consumer files upon request ( 15 U.S.C. 1681g ). \n\n\nAccordingly, I request that you provide documented and verifiable evidence ( such as an original contract or any document bearing my wet ink signature ) to support the accuracy and legitimacy of the accounts and items in question. If you are unable to verify these entries, you are required under the FCRA to delete them from my report. \n\nFor your convenience, I have included a detailed list of the disputed entries as Exhibit A. These items are neither authorized nor accurate and must be removed promptly. \n\nOnce your investigation is complete, please provide : A written summary of the methods and procedures used ; The name and contact information of the representative who handled the dispute ; An updated copy of my consumer report reflecting all corrections. \n\n\nFor identity verification purposes, I have enclosed copies of my government-issued ID and Social Security card . This letter has been sent via certified mail to document compliance with the FCRAs 30-day investigation requirement. \n\nThank you in advance for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-25T06:36:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"66215","tags":null,"has_narrative":true,"complaint_id":"13703692","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-05-25T06:23:20.000Z","state":"KS","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In particular, I call your attention to the following <em>obligations</em> under federal law : To follow reasonable procedures to ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ) ; To properly investigate disputed information ( 15 U.S.C. 1681i ) ; To only furnish <em>consumer</em> reports for legitimate and permissible purposes ( 15 U.S.C. 1681b ) ; To <em>provide</em> <em>complete</em> disclosures of <em>consumer</em> files <em>upon</em> request ( 15 U.S.C. 1681g )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.817976,"13703692"]},{"_index":"complaint-public-v1","_id":"4702739","_score":15.50252,"_source":{"product":"Debt collection","complaint_what_happened":"Complete Credit Solutions is attempting to collect an alleged debt in which I have informed them that I do not owe. I have requested validation of this alleged debt several times ; Copies of documents bearing my signature that clearly state that I have a legally binding and contractual obligation to pay them, the full names, address and direct telephone numbers for each individual they contacted in the course of their investigation to validate this debt. I have been asking for validation for over 60 days and they have failed to provide it but continue to report negative activity on my credit reports. This should be ceased immediately and I demand that this account is removed from my credit reports immediately upon receipt of this complaint. \n\nFurthermore, this morning I was made aware that Complete Credit Solutions INC attempted to obtain a copy of my credit report from XXXX under false pretenses and knowingly without a permissible purpose. I did not apply for credit with Complete Credit Solutions INC, they are a collection agency. For this violation alone, they are liable for {$1000.00} in damages as per 15 USC 1681n ( b ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I have attached the picture of the alert I received from XXXX displaying their company 's name, address and today 's date when they attempted the credit inquiry. \n\nPlease be advised, the mere fact that you have my name, address and social security number does not suffice as proof of validation. Please be aware that I am maintaining an ongoing documented record of my communications with you for the purposes of filing a complaint with the FTC, Civil Court and the state of Delaware Attorney General 's office if the matter is not satisfactorily resolved.","date_sent_to_company":"2021-09-08T18:01:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"19977","tags":null,"has_narrative":true,"complaint_id":"4702739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Complete Credit Solutions, Inc.","date_received":"2021-09-08T17:34:43.000Z","state":"DE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I have been asking for validation for over 60 days and they have failed to <em>provide</em> it but continue to report negative activity on my credit reports. This should be ceased immediately and I demand that this <em>account</em> is removed from my credit reports immediately <em>upon</em> receipt of this complaint. \n\nFurthermore, this morning I was made aware that <em>Complete</em> Credit Solutions INC attempted to obtain a copy of my credit report from XXXX under false pretenses and knowingly without a permissible purpose."],"company":["<em>Complete</em> Credit Solutions, Inc."]},"sort":[15.50252,"4702739"]},{"_index":"complaint-public-v1","_id":"16659602","_score":15.303393,"_source":{"product":"Credit card","complaint_what_happened":"PRE-ARBITRATION DEMAND : I am writing regarding the above-referenced account and your handling of my security deposit and the charge-off of this account. I dispute your actions and assert that they violate provisions of consumer law and the contractual terms. I demand the following immediate actions. \n\nStatement of Facts & Legal Objections Security Deposit Misapplication / Non-return Under the contract terms you provided, you reserve the right to apply funds from the security deposit only in certain limited circumstances ( e.g. to pay existing balances upon account closure or default ), and then only after satisfying those balances, with any excess to be returned to me. \n\nHowever : I never received my security deposit back nor was it applied to my remaining balance. It still shows a balance of I believe the security deposit was improperly withheld or misapplied to the remaining balance. \n\nThat action ( if done ) was inconsistent with the terms of the agreement and may violate state and federal consumer protection laws.\n\nImproper / Accelerated Charge-off in 60 Days You appear to have charged off my account within 60 days of nonpayment or default. That is extremely accelerated relative to standard credit card industry practice, which typically allows 120 to 180 days before charge-off for open-end credit accounts. \n\n\nUnless your specific agreement clearly and lawfully permits such an accelerated charge-off schedule ( which most do not ), your premature charge-off is unfair, deceptive, and may constitute a breach of contract or violation of statutory protections.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) Reporting a charge-off or unpaid balance that is inaccurate or erroneous constitutes furnishing inaccurate information under the FCRA, 15 U.S.C. 1681s-2. You have an obligation to ensure all information you furnish to credit bureaus is complete and accurate.\n\nBecause your charge-off appears to have been made improperly, I dispute its accuracy, and demand its removal unless you can provide verifiable proof that it was valid under the contract and applicable law. \n\nPotential Claims under State Consumer Protection Laws/ Breach of Contract Depending on the state where this contract is governed, your conduct in retaining or applying my deposit, and charging off my account prematurely, may violate implied obligations of good faith and fair dealing, state consumer protection statutes, or breach your original agreement with me.\n\nYou have violated the following : Breach of contract violated the terms of the deposit clause or charge-off provisions in your agreement. \n\nUnfair or deceptive trade practice / consumer protection statute there's a consumer protection law that prohibits withholding deposits unfairly or misrepresenting the terms. \n\nViolation of the Fair Credit Reporting Act ( FCRA ) ireported negative or charge-off data that is inaccurate or not justified, you I demand correction or removal.","date_sent_to_company":"2025-10-17T14:59:21.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"16659602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-10-17T14:48:05.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["You have an <em>obligation</em> to ensure all information you furnish to credit bureaus is <em>complete</em> and accurate.\n\nBecause your charge-off appears to have been made improperly, I dispute its accuracy, and demand its removal unless you can <em>provide</em> verifiable proof that it was valid under the contract and applicable law."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.303393,"16659602"]},{"_index":"complaint-public-v1","_id":"9739717","_score":15.1895075,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Security Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Erroneous Account Information on Credit Report To Whom It May Concern, I am writing to dispute the inaccurate account information that your company has reported to the credit bureaus under my name. The account in question was added to my credit report without my intent to dispute, and your failure to properly verify this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). \n\n**Violations Cited : ** 1. **15 U.S.C. 1681s-2 ( a ) ** : This section mandates that furnishers of information must ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Reporting inaccurate information without proper verification is a clear violation of this requirement. \n\n2. **15 U.S.C. 1681i ( a ) ( 1 ) ** : This section requires consumer reporting agencies to conduct a prompt and thorough reinvestigation of disputed information. By reporting inaccurate information and failing to verify it properly, Security Credit Services is in breach of this obligation. \n\n3. **15 U.S.C. 1692g ( b ) ** ( under the Fair Debt Collection Practices Act ) : This section requires debt collectors to validate the debt within 30 days upon request. The documentation necessary to validate a debt must be substantial and should include : - **A copy of the original signed contract or application** for the debt, establishing that the debt is indeed mine. \n- **A complete payment history** that shows how the debt was calculated. \n- **Proof of your companys legal right to collect** this debt, such as a chain of title or assignment of the debt. \n\nGiven the above, I demand the following : 1. Immediate removal of the inaccurate account from my credit report. \n2. Reverification of the legitimacy of the account, including the provision of the following documentation to validate the debt : - A copy of the original signed contract or application related to this account. \n- A full and detailed payment history of the account. \n- Legal documentation showing your companys right to collect the debt, including any assignments or transfer documents. \n\nPlease be advised that under the FCRA, you are required to complete your investigation and provide a written response within 30 days of receiving this letter. If you fail to comply, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to enforce my rights. \n\nI expect Security Credit Services to treat this matter with the urgency and accuracy it deserves. Please confirm in writing that the disputed account has been removed from my credit report and that your investigation is complete. \n\nSincerely, XXXX XXXX.","date_sent_to_company":"2024-08-07T16:38:25.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"20784","tags":null,"has_narrative":true,"complaint_id":"9739717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-08-07T16:35:21.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":[". **15 U.S.C. 1681i ( a ) ( 1 ) ** : This section requires <em>consumer</em> reporting agencies to conduct a prompt and thorough reinvestigation of disputed information. By reporting inaccurate information and failing to verify it properly, <em>Security</em> Credit Services is in breach of this <em>obligation</em>. \n\n3. **15 U.S.C. 1692g ( b ) ** ( under the Fair Debt Collection Practices Act ) : This section requires debt collectors to validate the debt within 30 days <em>upon</em> request."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[15.1895075,"9739717"]},{"_index":"complaint-public-v1","_id":"21073661","_score":15.110381,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this follow-up complaint against Security Credit Services , LLC regarding their legally insufficient response to my initial CFPB complaint No. XXXX, filed XX/XX/XXXX. Security Credit Services responded on XX/XX/XXXX with a letter that fails to constitute valid debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and fails to satisfy their obligations as a furnisher under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.\n\nSecurity Credit Services is reporting a collection account with a balance of {$860.00}, originally from XXXX XXXX XXXX, Account No. XXXX, across all three of my major credit bureau reports. \n\nIn their XX/XX/XXXX response, Security Credit Services provided a summary of account details including the item allegedly leased, the total lease cost, the charge-off date, and the purchase date. They did not produce the one document that actually validates this alleged debt the original signed lease agreement bearing my handwritten signature. Their response is deficient for the following specific reasons : XXXX. FAILURE TO PRODUCE ORIGINAL SIGNED DOCUMENTATION : The foundational requirement of debt validation is proof that the consumer entered into the obligation being collected upon. The only document that satisfies this requirement is the original signed lease agreement from XXXX XXXX XXXX bearing my handwritten signature. Security Credit Services described the account from their internal records but produced no signed original document. A debt collector summarizing details from an electronic data file they purchased is not debt validation it is a recitation of purchased records. Without the original signed document there is no verified proof that this obligation belongs to me. \n\nXXXX. INCOMPLETE PAYMENT HISTORY AND UNVERIFIED BALANCE : Security Credit Services stated the last payment received was {$71.00} on XX/XX/XXXX but provided no complete payment history showing every payment made from account opening through charge-off. The total lease was {$1500.00} for XXXX payments of {$140.00} yet they can not account for how many full payments were made or provide the precise calculation arriving at the {$860.00} balance. This is an incomplete and unverifiable accounting. \n\nXXXX. NO PROOF OF LEGAL ASSIGNMENT : Security Credit Services stated they purchased this account XXXX days after charge-off on XX/XX/XXXX but provided no actual purchase agreement confirming the legal transfer of this specific account from XXXX XXXX XXXX XXXX \n\nXXXX. RESPONSE CONTRADICTS OWN REPORTING : Security Credit Services stated in their response that they report the same information to all three credit bureaus. This is directly contradicted by my XXXX  credit report which reflects absolutely no payment history for this account while XXXX  and XXXX  reflect monthly collection notations. This cross-bureau inconsistency is an independent FCRA violation that their own response confirmed and failed to address. \n\nXXXX. PREMATURE CHARGE-OFF : The account went from last payment on XX/XX/XXXX to charge-off on XX/XX/XXXX a period of only 62 days. No documentation was provided confirming that XXXX XXXX XXXX exhausted proper collection procedures before charging off and selling this account in this compressed timeframe.","date_sent_to_company":"2026-04-09T00:12:16.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"21073661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2026-04-09T00:08:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["FAILURE TO PRODUCE ORIGINAL SIGNED DOCUMENTATION : The foundational requirement of debt validation is proof that the <em>consumer</em> entered into the <em>obligation</em> being collected <em>upon</em>. The only document that satisfies this requirement is the original signed lease agreement from XXXX XXXX XXXX bearing my handwritten signature. <em>Security</em> Credit Services described the <em>account</em> from their internal records but produced no signed original document."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[15.110381,"21073661"]},{"_index":"complaint-public-v1","_id":"15763512","_score":15.004944,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Verification of Debt Request Acct # XXXX Amount in dispute : {$8300.00} Dear SECURITY CREDIT SERVICES, I am reaching out to you about the debt you are trying to collect. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\nInformation About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account. \n\nInformation About Your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license. \n\nI further dispute this debt and invoke my rights under the FDCPA and any other applicable state laws. \n\nI request that you suspend all collection activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor for the amount in dispute. \n\nPlease note : If you have reported invalidated and inaccurate information to any of the three major Credit Bureaus ( XXXX XXXX, or XXXX  ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated o inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. \n\nPlease respond to this request within 30 days of the date of this letter. I need a response from you to make an informed decision about the alleged debt. In addition to providing the above information, please let me know in writing if you are prepared to accept less than the debt you are claiming is owed.","date_sent_to_company":"2025-09-06T22:14:00.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"92708","tags":null,"has_narrative":true,"complaint_id":"15763512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-09-06T22:07:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Information About the Amount and the Age of the Debt You must <em>provide</em> a <em>complete</em> <em>accounting</em> of the debt you claim I owe within 30 days of your receipt of this letter."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[15.004944,"15763512"]},{"_index":"complaint-public-v1","_id":"11099692","_score":14.916606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out To : LexisNexis Consumer Center XXXX XXXX, XXXX Dear Representatives, I am writing to address two separate but related matters : 1. A formal dispute of inaccurate information on my LexisNexis Consumer Center, XXXX, and XXXX consumer disclosure reports. \n2. A request for a permanent security freeze and permanent opt-out on my consumer file.\n\n________________________________________ Part 1 : Dispute of Inaccurate Information Description : I am writing to formally dispute inaccurate information contained in my consumer reports from LexisNexis Consumer Center, XXXX, and XXXX. Upon reviewing my reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). \nThe issues pertain to the following : 1. Inaccuracies : Specific inaccuracies in my reports are highlighted in the attached documentation. These inaccuracies affect the accuracy and integrity of my consumer data. \n2. Failure to Validate Debt : As per 12 CFR 1006.34 ( c ), there has been a lack of validation for the debts in question. No clear and accurate description of the debts or evidence of contractual obligation has been provided. \nUpon reviewing my consumer reports, I identified the following discrepancy that requires immediate correction : Disputed Account 1 Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX \nDisputed Account 2 Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Disputed Account 3 Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX Disputed Account 4 Account Name : XXXX  Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX Disputed Account 5 Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Disputed Account 6 Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX I request a manual review of this information due to the complexity of the inaccuracies. I have attached highlighted copies of my credit report with the incorrect information clearly marked. Please investigate this matter and remove the inaccurate information from my credit report. Notify me in writing of the results of your investigation and any actions taken. \nUnder the FCRA, I am entitled to a thorough and transparent investigation of my dispute. I expect a prompt response to this request. If you fail to provide a detailed description of the investigation process, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.\n\n12 CFR 1006.34 ( c ) : The Consumer Financial Protection Bureau ( CFPB ) has established requirements for the validation of debts. Under this regulation, the debt collector must provide clear and accurate information about the debt, including a detailed description of the nature of the debt and the original creditor. This requirement has not been met in my case. \nRequested Actions : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that LexisNexis Consumer Center, XXXX, XXXX conduct a thorough investigation of my dispute, correct the inaccuracies, and provide me with an updated copy of my LexisNexis Consumer Center, XXXX, XXXX Consumer Disclosure Report once the corrections have been made. \nI respectfully request the following under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct a thorough investigation of this dispute and remove the inaccurate information from my consumer reports.\n\n2. Provide me with a detailed written statement of the investigation results and any actions taken.\n\n3. Send me an updated copy of my corrected consumer reports.\n\n4. Address the following specific details regarding your investigation : XXXX  Methods used to verify the disputed information. \nXXXX  Sources consulted during the investigation. \nXXXX  Documentation reviewed to support verification. \nXXXX  Verification process and criteria used. \nXXXX  A timeline of the investigation, including key dates and actions taken. \nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. \nAdditionally, I request a description of the procedures used to determine the accuracy and completeness of the disputed information and the contact details of each person consulted regarding this account. Please also provide copies of any documents bearing my signature that establish a legally binding contractual obligation to pay the amount in question. \nFailure to correct these inaccuracies within 30 days, as required under the FCRA, may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.\n\nRequested Actions : 1. Conduct a thorough investigation of the disputed accounts.\n\n2. Remove the inaccurate information from my credit report.\n\n3. Provide me with a written statement detailing the outcome of your investigation. 4. Send a corrected copy of my cred\nit report to my address above.\n\n5. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.\n\n6. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.\n\n7. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.\n\n8. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.\n\n9. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.\n\nAdditional Requests : 1. Procedure Description : Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. This should include a detailed explanation of how the reinvestigation was conducted and the specific steps taken.\n\n2. Contacts : Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.\n\n3. Documents Bearing Signature : I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay the exact amount claimed.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Violations of the Consumer Financial Protection Bureau regulations ________________________________________ Part 2 : Request for Permanent Security Freeze and Opt-Out I also request the following actions to ensure the security and privacy of my consumer data : 1. Place a permanent security freeze on my consumer file to prevent unauthorized access or use of my personal information.\n\n2. Permanently opt me out of all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs. \nPersonal Information for Verification : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : Current Address : XXXX XXXX  XXXX, XXXX, Ga. XXXX Phone Number : ( XXXX ) XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required. \n________________________________________ Relevant Laws : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.\n\n15 U.S.C. 1681i : Procedures for disputed accuracy.\n\n15 U.S.C. 1681c : Requirements for information in consumer reports.\n\n12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information. \n________________________________________ Thank you for your attention to these matters. I look forward to your response within the timeframes mandated by the FCRA. Please contact me at ( XXXX ) XXXX - XXXXor XXXX if you require further clarification. \nSincerely, XXXX XXXX XXXX ________________________________________ Make sure to customize the placeholders with your details and attach the necessary documentation when sending this letter. Let me know if you need further refinements!","date_sent_to_company":"2024-12-11T12:28:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30075","tags":null,"has_narrative":true,"complaint_id":"11099692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-12-10T23:19:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violations of the <em>Consumer</em> Financial Protection Bureau regulations ________________________________________ Part 2 : Request for Permanent <em>Security</em> Freeze and Opt-Out I also request the following actions to ensure the <em>security</em> and privacy of my <em>consumer</em> data : 1. Place a permanent <em>security</em> freeze on my <em>consumer</em> file to prevent unauthorized access or use of my personal information.\n\n2."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.916606,"11099692"]},{"_index":"complaint-public-v1","_id":"11288175","_score":14.87039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out To : LexisNexis Consumer Center , XXXX, XXXX Dear Representatives, I am writing to address XXXX separate but related matters : 1. A formal dispute of inaccurate information on my LexisNexis Consumer Center, XXXX, and XXXX consumer disclosure reports. \n2. A request for a permanent security freeze and permanent opt-out on my consumer file.\n\n________________________________________ Part 1 : Dispute of Inaccurate Information Description : I am writing to formally dispute inaccurate information contained in my consumer reports from LexisNexis Consumer Center, XXXX, and XXXX. Upon reviewing my reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). \nThe issues pertain to the following : 1. Inaccuracies : Specific inaccuracies in my reports are highlighted in the attached documentation. These inaccuracies affect the accuracy and integrity of my consumer data.\n\n2. Failure to Validate Debt : As per 12 CFR 1006.34 ( c ), there has been a lack of validation for the debts in question. No clear and accurate description of the debts or evidence of contractual obligation has been provided.\n\nUpon reviewing my consumer reports, I identified the following discrepancy that requires immediate correction : Disputed Account 1 Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXXXXXX XXXX XXXX. \nDisputed Account 2 Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Disputed Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX Disputed Account XXXX Account Name : XXXX  Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX Disputed Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Disputed Account XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX I request a manual review of this information due to the complexity of the inaccuracies. I have attached highlighted copies of my credit report with the incorrect information clearly marked. Please investigate this matter and remove the inaccurate information from my credit report. Notify me in writing of the results of your investigation and any actions taken. \nUnder the FCRA, I am entitled to a thorough and transparent investigation of my dispute. I expect a prompt response to this request. If you fail to provide a detailed description of the investigation process, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.\n\n12 CFR 1006.34 ( c ) : The Consumer Financial Protection Bureau ( CFPB ) has established requirements for the validation of debts. Under this regulation, the debt collector must provide clear and accurate information about the debt, including a detailed description of the nature of the debt and the original creditor. This requirement has not been met in my case. \nRequested Actions : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that LexisNexis XXXX XXXX, XXXX, XXXX conduct a thorough investigation of my dispute, correct the inaccuracies, and provide me with an updated copy of my LexisNexis XXXX XXXX, XXXX, XXXX XXXX XXXX Report once the corrections have been made. \nI respectfully request the following under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct a thorough investigation of this dispute and remove the inaccurate information from my consumer reports.\n\n2. Provide me with a detailed written statement of the investigation results and any actions taken.\n\n3. Send me an updat\ned copy of my corrected consumer reports.\n\n4. Address the following specific details regarding your investigation : o Methods used to verify the disputed information.\n\no Sources consulted during the investigation.\n\no Documentation reviewed to support verification.\n\no Verification process and criteria used.\n\no A timeline of the investigation, including key dates and actions taken. \nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. \nAdditionally, I request a description of the procedures used to determine the accuracy and completeness of the disputed information and the contact details of each person consulted regarding this account. Please also provide copies of any documents bearing my signature that establish a legally binding contractual obligation to pay the amount in question.\n\nFailure to correct these inaccuracies within 30 days, as required under the FCRA, may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. Requested Actions : 1. Conduct a thoro\nugh investigation of the disputed accounts.\n\n2. Remove the inaccurate information from my credit report.\n\n3. Provide me with a written statement detailing the outcome of your investigation.\n\n4. Send a corrected copy of my credit report to my address above.\n\n5. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.\n\n6. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.\n\n7. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.\n\n8. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.\n\n9. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.\n\nAdditional Requests : 1. Procedure Description : Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. This should include a detailed explanation of how the reinvestigation was conducted and the specific steps taken.\n\n2. Contacts : Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.\n\n3. Documents Bearing Signature : I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay the exact amount claimed.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in\na small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Violations of the Consumer Financial Protection Bureau regulations ________________________________________ Part 2 : Request for Permanent Security Freeze and Opt-Out I also request the following actions to ensure the security and privacy of my consumer data : 1. Place a permanent security freeze on my consumer file to prevent unauthorized access or use of my personal information.\n\n2. Permanently opt me out of all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs. \nPersonal Information for Verification : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required. \n________________________________________ Relevant Laws : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.\n\n15 U.S.C. 1681i : Procedures for disputed accuracy.\n\n15 U.S.C. 1681c : Requirements for\ninformation in consumer reports.\n\n12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.\n\n________________________________________ Thank you for your attention to these matters. I look forward to your response within the timeframes mandated by the FCRA. Please contact me at ( XXXX ) XXXX - XXXX XXXX if you require further clarification. \nSincerely, XXXX XXXX XXXX ________________________________________ Make sure to customize the placeholders with your details and attach the necessary documentation when sending this letter. Let me know if you need further refinements!","date_sent_to_company":"2024-12-27T19:36:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30075","tags":null,"has_narrative":true,"complaint_id":"11288175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-12-26T20:53:30.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Upon</em> reviewing my <em>consumer</em> reports, I identified the following discrepancy that requires immediate correction : Disputed <em>Account</em> 1 <em>Account</em> Name : XXXXXXXX XXXX XXXX  <em>Account</em> Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an <em>account</em> with this number under the name XXXXXXXX XXXX XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.87039,"11288175"]},{"_index":"complaint-public-v1","_id":"18841631","_score":14.853701,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX, I entered into a home security monitoring agreement with XXXX XXXX XXXX for a XXXX initial term. I made consistent monthly payments and fulfilled the full contractual obligation through the end of the initial term in XX/XX/XXXX. \n\nAfter the initial term was completed, I canceled the service. No new contract or written renewal agreement was executed. Despite this, charges continued to be assessed based on an automatic renewal provision, which I dispute and did not authorize beyond the original contract term. \n\nIn XX/XX/XXXX, I was contacted by Zions Debt Holdings, LLC regarding an alleged past-due balance related to this account. The collector claimed a balance of approximately {$490.00}, later increased to over {$600.00} with added interest and fees. \n\nUpon receiving the collection notice, I disputed the debt in writing and requested validation under the Fair Debt Collection Practices Act. I asked for documentation showing a legally enforceable obligation after the original contract term, proof of authorization for renewal, proof that services were rendered during the period in question, and proof of the collectors authority to collect. \n\nIn response, the collector repeatedly stated that paperwork had already been sent and instructed me to provide proof of payment or cancellation from years earlier. The collector did not provide a signed renewal agreement, proof of continued authorization, proof of services rendered during the alleged delinquency period, or documentation establishing their legal right to collect. \n\nDespite the debt remaining disputed and unvalidated, the account has been reported to consumer reporting agencies and has negatively affected my credit. When I reiterated my request for validation, a representative of the collection company stated they would not go back and forth and told me to proceed how you think is best, effectively refusing to validate the debt while collection and credit reporting continued. \n\nI am submitting this complaint because the debt has not been properly validated, yet collection efforts and credit reporting continue. I am seeking resolution requiring the company to either provide lawful validation or cease collection activity and correct or remove any inaccurate credit reporting associated with this disputed account.","date_sent_to_company":"2026-01-19T22:14:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77571","tags":null,"has_narrative":true,"complaint_id":"18841631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zions Debt Holdings","date_received":"2026-01-19T22:02:11.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I entered into a home <em>security</em> monitoring agreement with XXXX XXXX XXXX for a XXXX initial term. I made consistent monthly payments and fulfilled the full contractual <em>obligation</em> through the end of the initial term in XX/XX/XXXX. \n\nAfter the initial term was <em>completed</em>, I canceled the service. 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