{"took":176,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":640,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2846220","_score":20.308556,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my issue.","date_sent_to_company":"2018-03-17T19:10:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"2846220","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-17T18:19:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I printed a <em>copy</em> of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items <em>filed</em> under Public Records. There are two <em>liens</em>, Reference Numbers XXXX & XXXX. I contacted the court that <em>filed</em> these <em>liens</em>, XXXX County Recorder and found the <em>liens</em> to be <em>filed</em> erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social <em>security</em> numbers."]},"sort":[20.308556,"2846220"]},{"_index":"complaint-public-v1","_id":"4589609","_score":19.457563,"_source":{"product":"Mortgage","complaint_what_happened":"Mr. Cooper ( mortgage company ) has failed to file a cancellation of security deed/release on my property when i refinanced back in 2017. I am selling my home and when the title company started their process they stated there needed to be a lien ( security deed ) release from Mr. Cooper. The title company, the closing attorneys and myself have contact Mr. Cooper for resolution. They have yet to provide myself, the title company or the County in which i reside the lien ( security deed ) release that i need to have a clear title.\n\nThe title company has asked for a copy of the cancellation. i have asked for a lien ( security deed ) release. The closing attorney has asked for a copy of the lien release. They refused all of our request.What i need from Mr. Cooper is a lien release/security deed. I am currently with another mortgage company was supposed to obtain the security deed from them but that never happened. \nMy original mortgage was with XXXX at which was sold to Northstar at which was sold to XXXX and then sold to Mr. Cooper. \n\nIf this does not get resolved I will loose out on {$140000.00} and a happier retirement! \n\nThank you","date_sent_to_company":"2021-07-30T22:08:24.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"4589609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-07-30T21:45:25.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They have yet to provide myself, the title company or the County in which i reside the <em>lien</em> ( <em>security</em> deed ) release that i need to have a clear title.\n\nThe title company has asked for a <em>copy</em> of the cancellation. i have asked for a <em>lien</em> ( <em>security</em> deed ) release. The closing attorney has asked for a <em>copy</em> of the <em>lien</em> release. They refused all of our request.What i need from Mr. Cooper is a <em>lien</em> release/<em>security</em> deed."]},"sort":[19.457563,"4589609"]},{"_index":"complaint-public-v1","_id":"2626786","_score":19.282667,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.","date_sent_to_company":"2017-08-11T20:14:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2626786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-08-11T19:58:28.000Z","state":"NV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax once again denied my request to remove the tax <em>lien</em> from my credit stating that I needed, even MORE, information like two <em>copies</em> of identification, a <em>copy</em> of my social <em>security</em> card, the letter, and a bunch of other information. I was also informed by the state where the tax <em>lien</em> was originated that they have contacted each of the credit bureaus and informed them that the tax <em>lien</em> was in error and has been vacated and withdrawn."]},"sort":[19.282667,"2626786"]},{"_index":"complaint-public-v1","_id":"2868297","_score":18.779001,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.","date_sent_to_company":"2018-04-09T00:27:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75024","tags":null,"has_narrative":true,"complaint_id":"2868297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-08T23:29:24.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax <em>Liens</em> must contain a Name, Address, Date Of Birth or Full Social <em>Security</em> Number for valid reporting on a Credit Report. The Notice of Federal Tax <em>Lien</em> <em>copy</em> that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social <em>Security</em> Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax <em>Lien</em> from my Credit Report."]},"sort":[18.779001,"2868297"]},{"_index":"complaint-public-v1","_id":"2714991","_score":18.45321,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A Georgia State Tax Lien appears on my credit report however, the court document for the tax lien, provided by the XXXX XXXX XXXX XXXX for XXXX XXXX, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( XXXX ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth. \n\nThe Georgia XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.","date_sent_to_company":"2017-10-29T16:54:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07728","tags":"Servicemember","has_narrative":true,"complaint_id":"2714991","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-29T16:23:03.000Z","state":"NJ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The Georgia XXXX court document associated with the <em>lien</em> reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social <em>security</em> number, as opposed to the full social <em>security</em> number ; and ( 3 ) no date of birth is noted. A <em>copy</em> of the aforementioned document has been included in this CFPB <em>filing</em>, for review."]},"sort":[18.45321,"2714991"]},{"_index":"complaint-public-v1","_id":"2715101","_score":18.390358,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A XXXX XXXX Tax Lien appears on my credit report however, the court document for the tax lien, provided by the Clerk of Superior Court for XXXX County, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( NCAP ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth.\nThe XXXX XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.","date_sent_to_company":"2017-10-29T16:54:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07728","tags":"Servicemember","has_narrative":true,"complaint_id":"2715101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-29T16:54:38.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The XXXX XXXX court document associated with the <em>lien</em> reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social <em>security</em> number, as opposed to the full social <em>security</em> number ; and ( 3 ) no date of birth is noted. A <em>copy</em> of the aforementioned document has been included in this CFPB <em>filing</em>, for review."]},"sort":[18.390358,"2715101"]},{"_index":"complaint-public-v1","_id":"2594229","_score":18.346888,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.","date_sent_to_company":"2017-08-03T17:46:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31909","tags":null,"has_narrative":true,"complaint_id":"2594229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-03T17:36:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I disputed a tax <em>lien</em> on my transunion credit report. The tax <em>lien</em> purports to be from XXXX Superior Court in Georgia. The original tax <em>lien</em> does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social <em>security</em> number appear on the original or <em>copies</em> of the tax <em>lien</em> in the county records. I <em>filed</em> a dispute on X/XX/2017 and the dispute was completed by X/XX/2017."]},"sort":[18.346888,"2594229"]},{"_index":"complaint-public-v1","_id":"18448367","_score":18.118313,"_source":{"product":"Debt collection","complaint_what_happened":"RE : GoodLeap LLCs Unlawful Lien and Failure to Provide Original Contract To Whom It May Concern : I am writing to formally rebut GoodLeap LLCs recent submission regarding their claim of a security interest and UCC lien against my property. GoodLeap has failed to provide the original contract with my wet-ink signature, as required by law for any enforceable lien or security interest on real property. The documents provided are only electronic copies executed via XXXX, which do not satisfy the statutory requirements for a valid lien on my home. \nLegal Violations and Deficiencies Failure to Provide Original XXXX Signed Contract GoodLeaps submission does not include the original, physically signed contract. Under Texas law and the Uniform Commercial Code ( UCC ), a valid security interest in real property requires a security agreement bearing the debtors original, physical ( wet-ink ) signature. No such original contract or wet-ink signature has been provided. \n\n\nViolation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) : A security interest is enforceable only if the debtor has authenticated a security agreement describing the collateral. Authentication generally means a physical signature unless otherwise agreed, and electronic signatures are not sufficient for liens on real property. \nTexas XXXX XXXX XXXX ( a ) : Any instrument affecting real property ( including liens ) must be signed and acknowledged by the grantor. \nXXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Prohibits misrepresenting the character, extent, or amount of a debt, or falsely representing the status of a lien.\n\nViolation of Uniform Commercial Code ( UCC ) Article 9 UCC 9-203 ( b ) : A security interest attaches only when the debtor has signed ( authenticated ) a security agreement. Filing a UCC-1 financing statement without a valid, signed security agreement is fraudulent and void.\n\nViolation of Federal Law Truth in Lending Act ( TILA ), 15 U.S.C. 1638 ( a ) : Requires clear disclosure of any security interest. No disclosure was provided that my home would be collateral, and I expressly refused to sign any agreement granting such interest.\n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false representation of the character or legal status of any debt, including claiming a lien without legal basis.\n\nNature of the Loan The documents provided by GoodLeap refer only to a personal property security interest, not a mortgage or lien on my home. The contract was executed via XXXX, which does not meet the requirements for a lien on real property under Texas law.\n\nNo Authority to File Lien GoodLeap can not lawfully file a UCC financing statement or any lien against my home without a properly executed, original security agreement. Any lien filed without my consent and without a wet-ink signature is fraudulent and unenforceable.\n\nDemand for Immediate Action I demand that GoodLeap LLC : Immediately remove any unauthorized UCC lien or claim against my property.\n\nProvide written confirmation that they have no claim or security interest in my home.\n\nCease all further attempts to collect or enforce any alleged security interest based on these invalid documents. \n\nI reserve all rights to pursue damages and statutory remedies under federal and state law, and request that your office take appropriate enforcement action regarding these violations. \nThank you for your attention to this matter. \nRespectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-04T00:04:15.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77301","tags":null,"has_narrative":true,"complaint_id":"18448367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2026-01-03T23:55:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["No Authority to <em>File</em> <em>Lien</em> GoodLeap can not lawfully <em>file</em> a UCC financing statement or any <em>lien</em> against my home without a properly executed, original <em>security</em> agreement. Any <em>lien</em> <em>filed</em> without my consent and without a wet-ink signature is fraudulent and unenforceable.\n\nDemand for Immediate Action I demand that GoodLeap LLC : Immediately remove any unauthorized UCC <em>lien</em> or claim against my property.\n\nProvide written confirmation that they have no claim or <em>security</em> interest in my home."]},"sort":[18.118313,"18448367"]},{"_index":"complaint-public-v1","_id":"2243358","_score":18.016207,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following accounts that Equifax continues to report on my credit file : XXXX XXXX, Tax Lien # XXXX, and Tax Lien # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, 2016. \nOn Friday, XXXX XXXX, I directly called the XXXX XXXX XXXX number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, 2016. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I have also attached Equifax 's dispute investigation of the results. \nOn Friday, XXXX XXXX, 2016, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, 2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as \" reported '' as of XXXX XXXX, 2016. \nI demand that these public records XXXX # XXXX, Tax Lien # XXXX, and Tax Lien # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called \" verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying \" the account is verified. '' I demand that these unverified accounts : XXXX # XXXX, Tax Lien # XXXX, and Tax Lien XXXX ARE PERMANENTLY DELETED FROM MY ACCOUNT. I also request an updated XXXX credit report showing the deletions. \nPlease see attachments : XXXX security freeze confirmation dated XXXX XXXX, 2016 **Equifax dispute confirmation results showing that XXXX XXXX \" reported '' and \" verified '' on XXXX XXXX, 2016. \nPlease help!","date_sent_to_company":"2016-12-09T23:33:02.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"31061","tags":null,"has_narrative":true,"complaint_id":"2243358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-12-09T23:33:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record"},"highlight":{"complaint_what_happened":["I demand that these public records XXXX # XXXX, Tax <em>Lien</em> # XXXX, and Tax <em>Lien</em> # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called \" verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER <em>FILE</em> HAD A <em>SECURITY</em> FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard <em>copies</em> and Equifax has yet to verify."]},"sort":[18.016207,"2243358"]},{"_index":"complaint-public-v1","_id":"2811112","_score":18.008064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. \n\nXXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. \n\nA Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. \n\nXXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.","date_sent_to_company":"2018-02-09T22:04:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85298","tags":null,"has_narrative":true,"complaint_id":"2811112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2018-02-09T22:04:24.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have recently been informed that XXXX  maintain a Tax <em>Lien</em> in their <em>file</em> under my Social <em>Security</em> number. Upon ordering a <em>copy</em> of my credit report, I see an entry listing in the amount of {$31000.00}. \n\nXXXX County Recorder Case # XXXX does not report Tax <em>Lien</em> to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported."]},"sort":[18.008064,"2811112"]},{"_index":"complaint-public-v1","_id":"2810848","_score":18.008064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have recently been informed that Equifax maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. \n\nXXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. \n\nA Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax, XXXX, XXXX has found information on Tax Lien through third party research. \n\nTransunion and Experian have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to Equifax since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from Equifax that it was validated by XXXX in which I never received anything of the such. So I sent them another certified letter again this time one to Equifax and one to XXXX requesting my signature to validate this information. This time Equifax sent me a Reinvestigation letter stating that XXXX XXXX XXXX is currently not reporting on the Equifax file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.","date_sent_to_company":"2018-02-09T22:04:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85298","tags":null,"has_narrative":true,"complaint_id":"2810848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-09T21:23:21.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have recently been informed that Equifax maintain a Tax <em>Lien</em> in their <em>file</em> under my Social <em>Security</em> number. Upon ordering a <em>copy</em> of my credit report, I see an entry listing in the amount of {$31000.00}. \n\nXXXX County Recorder Case # XXXX does not report Tax <em>Lien</em> to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported."]},"sort":[18.008064,"2810848"]},{"_index":"complaint-public-v1","_id":"8846757","_score":17.890982,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Uniform Commercial Code/UCC governs all business transactions, so Burns Auto Credit LLC legally must have UCC lien filed with secretary of state against my name. Without seeing that there is no UCC lien in my name, its proof the the debt has been paid off at time I put signature on the certificate of indebtedness at the dealership. I do not owe them anything, don't know why the continue to report transaction to consumer reporting agencies, There is no transaction listed with Secretary of State and i have attached copy to prove such. The contract must be LAWFUL & FAIR but it was not. Because that why the lien was never file with secretary of state. There was never any debt in the beginning - because the debt was already paid off.\n\nBurns Auto Credit LLC issuing legal threats of repossession. Failing to understand, that for any debt collector to legally collect a debt. It must be XXXX legal components. a promissory or agreement and perfected lien under UCC filed on federal & state level with secretary of state. Burns Auto Credit had XXXX  days to file lien, just as long for them and Department Motor Vehicle/DMV to commit unlawful act and misleading me. And, as of XX/XX/2023. I went to secretary of state and did and ucc search. And there was no UCC lien filing against me or collateral in question at my address & i received a certified copy indicating there was no lien. In good faith on the same day XX/XX/2023, I file my own lien/finance statement ucc 11 against myself and the collateral. Which show Burns Auto Credit LLC has no security interest against myself or said collateral, just having the lien against the title at DMV is NOT a perfected line according to : 9-310. WHEN FILING REQUIRED TO PERFECT SECURITY INTEREST ( a ) ( a ) [ General rule : perfection by filing. ] Except as otherwise provided in subsection ( b ) and Section 9-312 ( b ), a financing statement must be filed to perfect all security interests and agricultural liens.\n\n2nd ) installment contract has already been paid off in FULL at time I sign the application/installment contract and turn it into certificate of indebtedness. And according to certificate of indebtedness Section 2 c Security Interest - its states that section This secures payment of all you owe on this contract also secures your other agreements in this contract. So, I cant still owe any monies to Burns Auto Credit LLC after i gave them certificate of indebtedness with my signature, 3 ) i send notification to IRS with 1099A Acquisition or Abandonment of Secured Property. And it was accepted by IRS on XX/XX/XXXX and its has been forwarded to Burns Auto Credit LLC.\n\n4 ) I cross out and initial Section 3 ( d ) of the installment contract. Which I remove their right to take or repossession from me. Plus, they already been paid in FULL per the certificate of indebtedness that i've sign with them and 1099A form","date_sent_to_company":"2024-04-24T12:40:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"29340","tags":null,"has_narrative":true,"complaint_id":"8846757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Burns Auto Credit, LLC","date_received":"2024-04-24T12:23:37.000Z","state":"SC","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["And there was no UCC <em>lien</em> <em>filing</em> against me or collateral in question at my address & i received a certified <em>copy</em> indicating there was no <em>lien</em>. In good faith on the same day XX/XX/2023, I <em>file</em> my own <em>lien</em>/finance statement ucc 11 against myself and the collateral. Which show Burns Auto Credit LLC has no <em>security</em> interest against myself or said collateral, just having the <em>lien</em> against the title at DMV is NOT a perfected line according to : 9-310."]},"sort":[17.890982,"8846757"]},{"_index":"complaint-public-v1","_id":"2671013","_score":17.686462,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as \" XXXX ''??? The \" Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.","date_sent_to_company":"2017-09-12T22:51:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"2671013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T22:51:27.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>filed</em> disputes with both XXXX XXXX Equifax and included documentation showing that these tax <em>liens</em> do not meet the PII standards and must be removed immediately from my <em>files</em> with them. The disputes came back as \" XXXX ''??? The \" Official '' <em>Copies</em> of the tax <em>liens</em> : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL <em>SECURITY</em> NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH."]},"sort":[17.686462,"2671013"]},{"_index":"complaint-public-v1","_id":"2848563","_score":17.575302,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/. The tax lien was filed on XX/XX/. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a \" third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.","date_sent_to_company":"2018-03-20T19:31:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"16066","tags":null,"has_narrative":true,"complaint_id":"2848563","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-20T19:31:21.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The state tax <em>lien</em> that is being reported on my credit report was satisfied and paid in full on XX/XX/. The tax <em>lien</em> was <em>filed</em> on XX/XX/. The tax <em>lien</em> was reported to the CRA 's, by a third party vendor, in XX/XX/. The tax <em>lien</em> DID NOT include a full social <em>security</em> number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing."]},"sort":[17.575302,"2848563"]},{"_index":"complaint-public-v1","_id":"2848526","_score":17.523148,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/XXXX. The tax lien was filed on XX/XX/XXXX. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/XXXX. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a \" third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.","date_sent_to_company":"2018-03-20T19:31:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"16066","tags":null,"has_narrative":true,"complaint_id":"2848526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-20T19:14:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The state tax <em>lien</em> that is being reported on my credit report was satisfied and paid in full on XX/XX/XXXX. The tax <em>lien</em> was <em>filed</em> on XX/XX/XXXX. The tax <em>lien</em> was reported to the CRA 's, by a third party vendor, in XX/XX/XXXX. The tax <em>lien</em> DID NOT include a full social <em>security</em> number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing."]},"sort":[17.523148,"2848526"]},{"_index":"complaint-public-v1","_id":"2671012","_score":17.40882,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information standards for Public Records Reporting. These PII standards as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both TransUnion & XXXX and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as \" Verified ''??? The \" Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( s ) with TransUnion and XXXX.","date_sent_to_company":"2017-09-12T22:51:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"2671012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-12T22:08:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>filed</em> disputes with both TransUnion & XXXX and included documentation showing that these tax <em>liens</em> do not meet the PII standards and must be removed immediately from my <em>files</em> with them. The disputes came back as \" Verified ''??? The \" Official '' <em>Copies</em> of the tax <em>liens</em> : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL <em>SECURITY</em> NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH."]},"sort":[17.40882,"2671012"]},{"_index":"complaint-public-v1","_id":"18645544","_score":17.265074,"_source":{"product":"Prepaid card","complaint_what_happened":"Breach of fiduciary duties, acting in bad faith XXXX an applicant institution trade and commerce I write regarding XXXX XXXX XXXX XXXX XXXX. XXXX ( the Application ) and any alleged collateral pledge, security interest, lien, or related security documentation that Bank of America , N.A . contends arises from the Application or any resulting account/credit facility ( the Alleged Collateral Pledge ). \nI dispute that any enforceable collateral pledge exists unless and until Bank of America produces the complete, authenticated security documentation and supporting records described below. This letter is a formal demand for records and a request for correction of any inaccurate lien/collateral records. \nXXXX. Demand for Collateral Pledge / Security Interest DocumentationPlease provide true, complete, and legible copies of the following ( the Requested Collateral Records ) : a. The complete executed security agreement and/or collateral pledge agreement ( including all exhibits, schedules, collateral descriptions, and definitions ) that Bank of America relies on to claim a security interest or lien. \nb. Any related loan agreement, revolving credit agreement, promissory note, or credit card/business card agreement that cross-references collateral or includes a grant of security interest. \nXXXX. Proof of authorization and assent for the Alleged Collateral Pledge, including : i. wet-ink signatures ( if applicable ) ; ii. e-sign consent, authentication records, and audit trail ( timestamps, workflow records, and the exact terms presented at signing ) ; iii. corporate authority documents relied on ( e.g., resolutions, incumbency certificates ) if Bank of America required them. \nXXXX All UCC and lien documentation, including : i. UCC-1 financing statements, UCC-3 amendments/assignments/terminations ; ii. filing jurisdiction ( s ), filing date ( s ), and file number ( s ) ; iii. any collateral schedules attached to or referenced by any UCC filin","date_sent_to_company":"2026-01-12T10:56:24.000Z","issue":"Advertising","sub_product":"General-purpose prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18645544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-12T10:45:28.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the card"},"highlight":{"complaint_what_happened":["XXXX All UCC and <em>lien</em> documentation, including : i. UCC-1 financing statements, UCC-3 amendments/assignments/terminations ; ii. <em>filing</em> jurisdiction ( s ), <em>filing</em> date ( s ), and <em>file</em> number ( s ) ; iii. any collateral schedules attached to or referenced by any UCC filin"]},"sort":[17.265074,"18645544"]},{"_index":"complaint-public-v1","_id":"2437682","_score":17.149744,"_source":{"product":"Credit reporting","complaint_what_happened":"I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.","date_sent_to_company":"2017-04-18T00:28:37.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"30338","tags":null,"has_narrative":true,"complaint_id":"2437682","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-04-18T00:28:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record"},"highlight":{"complaint_what_happened":["In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit <em>file</em> you maintain under my social <em>security</em> number."]},"sort":[17.149744,"2437682"]},{"_index":"complaint-public-v1","_id":"2653613","_score":17.12435,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I have file disputes with the 3 credit bureaus XXXX XXXX, XXXX for deletion of XXXX tax liens due to lack of minimum reporting requirements for consumer personally identifiable information. Those requirements include Full name, Address, Full Social Security Number. and Date of Birth. ( 1 ) Copies of these Liens from XXXX District Courthouse in Massachusetts were faxed to the bureaus as well as supporting documentation. \n\nXXXX and XXXX deleted both from my credit report in a timely fashion. \n\nTransUnion deleted Massachusetts Tax Lien ( DOCKET # XXXX ), but declined to delete the other, Massachusetts Tax Lien ( DOCKET # XXXX ), amount {$4000.00}. In a letter dated XXXX XXXX, XXXX they have stated that this item was verified, Results - Information Updated. \n\nI am requesting that you please assist me in compelling them to delete this lien from my credit report due to the lack of the required criteria listed above. I am sorry, I have looked extensively for a precise title, chapter, statute, but have come up empty. I have however included a footnote from TransUnion 's white paper regarding this matter. Also attached are a copy of the Lien and the Release of Lien, as well as two pages of the TransUnion letter detailing their actions. \n\nThank you for your help in this matter.","date_sent_to_company":"2017-08-29T17:39:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02446","tags":null,"has_narrative":true,"complaint_id":"2653613","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-29T16:14:20.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Hello, I have <em>file</em> disputes with the 3 credit bureaus XXXX XXXX, XXXX for deletion of XXXX tax <em>liens</em> due to lack of minimum reporting requirements for consumer personally identifiable information. Those requirements include Full name, Address, Full Social <em>Security</em> Number. and Date of Birth. ( 1 ) <em>Copies</em> of these <em>Liens</em> from XXXX District Courthouse in Massachusetts were faxed to the bureaus as well as supporting documentation."]},"sort":[17.12435,"2653613"]},{"_index":"complaint-public-v1","_id":"2810441","_score":16.997747,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.","date_sent_to_company":"2018-02-12T05:46:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"2810441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2018-02-12T00:46:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to dispute the following information in my <em>file</em>. Attached please find <em>copies</em> of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the <em>lien</em> amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social <em>security</em> numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old."]},"sort":[16.997747,"2810441"]},{"_index":"complaint-public-v1","_id":"11792875","_score":16.953293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, 845 written off. {$9.00}, 718 past due as of XX/XX/XXXX. \nStatus updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms 39 Months On record until XX/XX/XXXX I requested XXXX forms that they filed for the charge off reporting on my consumer report. I need copies or proof that 1099 forms were not filed. I also request a copy of the contract. If no 1099 forms were filed i request the charge off be removed. i will be filing a 1099 OID, a 1096, a 1099B form and a 1099a to properly assess the taxes and will send copies to the company for IRS reporting. i also request that my down payment be returned to me. In accordance with the TRUTH IN LENDING ACT that the dealership participates in, when dealing a consumer transaction there is not to be any cash or finance charge involved. According to XXXX XXXX XXXX their should not have been any downpayment. No cash should be involved in a consumer transaction. i also was not informed that insurance could be included in the finance charge according to XXXX XXXX XXXX. This info was not disclosed to me. i will rescind the credit consumer transaction if need be by sending a rescission letter to the registered agent o the dealership and the bank and seek damages under equity in arbitration or court. i also will be conveying legal title of the property into my private foreign grantors based solely on equity, making it trust property. also no lien is on file in XXXX XXXX lien search, according to law no security interest is perfected without a lien means no debt exist. i also request proof of perfected security interest by providing proof of a lien. i also request to no if the contract was securitzed. i also request the indentured trustee banks name address phone number and the trust representative contact info.","date_sent_to_company":"2025-01-28T05:48:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"11792875","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-28T05:47:53.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This info was not disclosed to me. i will rescind the credit consumer transaction if need be by sending a rescission letter to the registered agent o the dealership and the bank and seek damages under equity in arbitration or court. i also will be conveying legal title of the property into my private foreign grantors based solely on equity, making it trust property. also no <em>lien</em> is on <em>file</em> in XXXX XXXX <em>lien</em> search, according to law no <em>security</em> interest is perfected without a <em>lien</em> means no debt exist"]},"sort":[16.953293,"11792875"]},{"_index":"complaint-public-v1","_id":"2810436","_score":16.919512,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.","date_sent_to_company":"2018-02-12T05:46:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"2810436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-12T00:46:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to dispute the following information in my <em>file</em>. Attached please find <em>copies</em> of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the <em>lien</em> amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social <em>security</em> numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old."]},"sort":[16.919512,"2810436"]},{"_index":"complaint-public-v1","_id":"2810420","_score":16.919512,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX Do Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.","date_sent_to_company":"2018-02-14T21:35:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"2810420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Franklin Credit Management Corporation","date_received":"2018-02-12T00:13:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to dispute the following information in my <em>file</em>. Attached please find <em>copies</em> of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the <em>lien</em> amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social <em>security</em> numbers of both mine and the correct XXXX XXXX Do Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old."]},"sort":[16.919512,"2810420"]},{"_index":"complaint-public-v1","_id":"2812372","_score":16.840803,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION is willfully and with negligent noncompliance reporting INACCURATE PUBLIC RECORD DATA on my report, specifically, THREE TAX LIENS. ALL 3 liens have been discharged. ALL 3 liens contain and/or are missing my personal matching information, including : name, address, Social Security Num. or Date of Birth. Since XXXX, the laws concerning Public Records reporting requires these data must BOTH include AND match the data connected to the individual for which that data is being connected/reported. ALL 3 liens currently state XX/XX/XXXXas date filed, it is now XX/XX/XXXX-- - ALL 3 liens should have been removed in XX/XX/XXXX. I will be forced to bring this issue into litigation if Transunion does not promptly delete this information. \nNOTICE OF DISPUTE HAS BEEN PROVIDED TO TRANSUNION : Certified letters were mailed in late XXXX and included : name, social security #, address, Date of Birth, disputed data was circled identifying which specific records were being disputed on an included copy of my credit report, a narrative of why the info is inaccurate was furnished to Transunion, and I requested the information removed, and for Transunion to investigate the dispute and provide documentation of how this record is correct if they continue/d to report it, because it is wholly inaccurate. Its a you-do-the-math scenario. NONE OF THE OTHER CRAs ARE REPORTING THIS OUTDATED/TIME-BARRED INACCURATE DATA. This will serve as my last notice before I am FORCED to file suit. Thank you.","date_sent_to_company":"2018-02-13T05:54:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2812372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-13T00:47:29.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["TRANSUNION is willfully and with negligent noncompliance reporting INACCURATE PUBLIC RECORD DATA on my report, specifically, THREE TAX <em>LIENS</em>. ALL 3 <em>liens</em> have been discharged. ALL 3 <em>liens</em> contain and/or are missing my personal matching information, including : name, address, Social <em>Security</em> Num. or Date of Birth."]},"sort":[16.840803,"2812372"]},{"_index":"complaint-public-v1","_id":"2307987","_score":16.819727,"_source":{"product":"Credit reporting","complaint_what_happened":"I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. \n\nA Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. \n\nI had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. \n\nI also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.","date_sent_to_company":"2017-01-24T20:32:08.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"84041","tags":null,"has_narrative":true,"complaint_id":"2307987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-24T20:32:08.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record"},"highlight":{"complaint_what_happened":["XXXX has found information on previously stated Tax <em>Lien</em> 's through third party research. \n\nI had asked that Transunion please validate this information and provide me with <em>copies</em> of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit <em>file</em> you maintain under my Social <em>Security</em> number."]},"sort":[16.819727,"2307987"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":640,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":640}]}},"product":{"doc_count":640,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":171,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":167},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Debt collection","doc_count":155,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card 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