{"took":141,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":232,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6524381","_score":16.860506,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, Transunion, XXXX heretofore ( XXXX ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX  ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.","date_sent_to_company":"2023-02-05T07:57:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"165XX","tags":null,"has_narrative":true,"complaint_id":"6524381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-05T07:57:18.000Z","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":["However, I have recently discovered that ( XXXX  ) has used my identification document ( Social <em>Security</em> Number ) to <em>produce</em> <em>unverified</em> and <em>inaccurate</em> <em>information</em> on my <em>consumer</em> <em>report</em> for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by <em>reporting</em> fraudulent <em>information</em> without my consent or permission, in violation of 15 USC 1681b ( c )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.860506,"6524381"]},{"_index":"complaint-public-v1","_id":"6524190","_score":16.860506,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax, XXXX, XXXX heretofore ( ETE ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( ETE ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( ETE ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( ETE ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the XXXX XXXX  XXXX ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( ETE ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( ETE ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( ETE ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.","date_sent_to_company":"2023-02-05T07:57:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"165XX","tags":null,"has_narrative":true,"complaint_id":"6524190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-05T06:54:05.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, I have recently discovered that ( ETE ) has used my identification document ( Social <em>Security</em> Number ) to <em>produce</em> <em>unverified</em> and <em>inaccurate</em> <em>information</em> on my <em>consumer</em> <em>report</em> for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( ETE ) has been violating my privacy by <em>reporting</em> fraudulent <em>information</em> without my consent or permission, in violation of 15 USC 1681b ( c )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.860506,"6524190"]},{"_index":"complaint-public-v1","_id":"6524380","_score":16.829872,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, Experian heretofore ( XXXX  ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX  ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.","date_sent_to_company":"2023-02-05T07:57:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"165XX","tags":null,"has_narrative":true,"complaint_id":"6524380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-05T07:57:18.000Z","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":["However, I have recently discovered that ( XXXX ) has used my identification document ( Social <em>Security</em> Number ) to <em>produce</em> <em>unverified</em> and <em>inaccurate</em> <em>information</em> on my <em>consumer</em> <em>report</em> for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by <em>reporting</em> fraudulent <em>information</em> without my consent or permission, in violation of 15 USC 1681b ( c )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.829872,"6524380"]},{"_index":"complaint-public-v1","_id":"6652185","_score":15.701107,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX and you have been reporting information that belongs to a XXXX XXXX XXXX on my credit report. I contacted the creditor and they stated that the debtor lived at XXXX XXXX XXXX XXXX, XXXX Tx. Which is also not my address nor have i ever lived there. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX The following personal information is incorrect Previous Addresses : XXXX XXXX XXXX  XXXX, TX XXXX 5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nAccount name : DEPTEDXXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \n\n6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nAccount Name : DEPTEDXXXX Account Number : XXXX Address reported was XXXX XXXX XXXX XXXX # XXXX XXXX , Tx . \nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \n7. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n8. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n9.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n10.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n11.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n12.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n13. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n14.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n15.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n17.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n18.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n19.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.","date_sent_to_company":"2023-03-07T03:41:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"6652185","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-07T02:57:36.000Z","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":["Its rules cover how a <em>consumer</em> 's credit <em>information</em> is obtained, how long it is kept, and how it is shared with othersincluding <em>consumers</em> themselves. \n2. What is a FCRA violation?\n\nCreditors give <em>reporting</em> agencies <em>inaccurate</em> financial <em>information</em> about you. <em>Reporting</em> agencies mixing up one person 's <em>information</em> with another 's because of similar ( or same ) last name or social <em>security</em> number. Agencies fail to follow guidelines for handling disputes. \n3."],"product":["Credit reporting, credit repair services, 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 provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.701107,"6652185"]},{"_index":"complaint-public-v1","_id":"6972750","_score":14.925056,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!","date_sent_to_company":"2023-05-13T05:47:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"6972750","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-13T05:37:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the <em>information</em> they <em>report</em>. They must also correct or delete <em>inaccurate</em> or incomplete <em>information</em>. In addition, the FCRA requires CRAs to provide <em>consumers</em> with access to their <em>consumer</em> <em>reports</em> upon request. Finally, the FCRA protects <em>consumers</em> from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and <em>security</em> of <em>consumer</em> <em>information</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.925056,"6972750"]},{"_index":"complaint-public-v1","_id":"6972645","_score":14.90101,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!","date_sent_to_company":"2023-05-13T05:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"6972645","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-13T05:47:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the <em>information</em> they <em>report</em>. They must also correct or delete <em>inaccurate</em> or incomplete <em>information</em>. In addition, the FCRA requires CRAs to provide <em>consumers</em> with access to their <em>consumer</em> <em>reports</em> upon request. Finally, the FCRA protects <em>consumers</em> from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and <em>security</em> of <em>consumer</em> <em>information</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.90101,"6972645"]},{"_index":"complaint-public-v1","_id":"6972904","_score":14.876471,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!","date_sent_to_company":"2023-05-13T05:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"6972904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-13T05:47:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the <em>information</em> they <em>report</em>. They must also correct or delete <em>inaccurate</em> or incomplete <em>information</em>. In addition, the FCRA requires CRAs to provide <em>consumers</em> with access to their <em>consumer</em> <em>reports</em> upon request. Finally, the FCRA protects <em>consumers</em> from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and <em>security</em> of <em>consumer</em> <em>information</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.876471,"6972904"]},{"_index":"complaint-public-v1","_id":"13479274","_score":14.831391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello! \n\nI am submitting this complaint because TransUnion, a credit reporting company, is still reporting one or more accounts on my credit report that I believe to be inaccurate, incomplete, and unverified under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Section 609.\n\nI reviewed my credit file and identified information that I do not recognize and that does not match any account I knowingly opened or authorized. I formally submitted a written dispute directly to TransUnion, requesting full verification and original documentation bearing my signature as allowed under FCRA 609 ( a ) ( 1 ). I provided all necessary identity documents ( government ID, proof of address, and Social Security card ) to ensure my request was complete and legitimate. \n\nDespite my good-faith request, TransUnion has not produced the original source documentation or verification that proves this account is legally attributable to me. I am concerned that they may have relied solely on data from a furnisher without validating its accuracy or verifying the legal basis for reporting it. \n\nThis unresolved issue is negatively impacting my credit score and personal financial opportunities. I believe TransUnion is in violation of its obligations under the FCRA, including : Failing to verify the accuracy and validity of disputed information Continuing to report unverified and potentially inaccurate information Not providing the consumer ( me ) with documentation that substantiates their reporting I am now seeking the assistance of the CFPB to investigate this matter and help ensure TransUnion complies with federal law by either verifying this account properly or removing it from my credit file. \n\nWhat would you like the company to do to resolve your issue? \n\nI would like TransUnion to either : Provide original verification documentation of the disputed account ( s ), including a signed agreement or contract ; or Permanently delete the account ( s ) from my credit file if such documentation can not be provided. \n\nI would appreciate a written confirmation of the investigation results and any action taken. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2025-05-14T01:34:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84115","tags":null,"has_narrative":true,"complaint_id":"13479274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-14T00:38:43.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I believe TransUnion is in violation of its obligations under the FCRA, including : Failing to verify the accuracy and validity of disputed <em>information</em> Continuing to <em>report</em> <em>unverified</em> and potentially <em>inaccurate</em> <em>information</em> Not providing the <em>consumer</em> ( me ) with documentation that substantiates their <em>reporting</em> I am now seeking the assistance of the CFPB to investigate this matter and help ensure TransUnion complies with federal law by either verifying this account properly or removing it from my credit"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.831391,"13479274"]},{"_index":"complaint-public-v1","_id":"20005226","_score":14.599093,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding Bull City Financial Solutions , Inc. and their attempt to collect an alleged debt they claim originated from XXXX XXXX. \n\nI formally requested validation of this alleged debt and specifically asked Bull City Financial Solutions to provide documentation verifying that this account belongs to me. My request included the identification used to create the account, documentation showing my Social Security number was used with my authorization, the original signed agreement or authorization for services, and records explaining how my personal information was obtained and linked to this account. \n\nBull City Financial Solutions did not provide any of the documentation I requested. Instead, they sent documents referencing XXXX XXXX that do not verify that this account belongs to me. The documents contain no signed agreement, no identification records, no authorization, and no proof that my Social Security number was used with my consent. \n\nAdditionally, the documents reference a service date of XX/XX/year>. I have never had a hospital visit or received medical services on that date, which raises further concerns regarding the validity and accuracy of this alleged account. \n\nBull City Financial Solutions has failed to answer any of my specific requests regarding verification and continues to reference documents that do not connect this account to me. \n\nI believe the companys actions constitute several violations of federal consumer protection laws, including : 1. Failure to Properly Validate the Debt FDCPA 809 ( b ) After receiving my dispute and request for validation, the company failed to provide adequate documentation verifying that I authorized the alleged debt or that the account belongs to me. \n\n2. Misrepresentation of the Debt FDCPA 807 By attempting to collect a debt without providing proof that I authorized the account or received the services, the company may be misrepresenting the character, amount, or legal status of the alleged debt. \n\nXXXX. Attempting to Collect Without Reasonable Investigation Bull City Financial Solutions has not demonstrated that they conducted a reasonable investigation to confirm that this alleged account actually belongs to me. \n\nXXXX. Failure to Provide Documentation Linking the Consumer to the Debt The company has not provided identification records, Social Security verification, signed authorization, or any documentation connecting me to this alleged account. \n\n5. Potential Reporting of Unverified Information to Consumer Reporting Agencies FCRA 623 If this account has been reported to credit reporting agencies without proper verification, this may constitute furnishing inaccurate or unverified information.\n\nIf Bull City Financial Solutions believes this account is valid, they should upload the following documentation directly through the CFPB complaint portal : The original signed authorization or agreement for services Documentation showing the identification used to establish the account Records showing how my Social Security number was obtained and verified Documentation proving that I authorized the services allegedly provided Records showing how this account was associated with me At this time, none of this documentation has been provided. \n\nBecause Bull City Financial Solutions has failed to properly validate this alleged debt and has ignored my requests for verification, I am requesting that they immediately cease collection activity and ensure the account is not reported to any consumer reporting agencies unless proper validation is produced. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-05T17:15:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"27701","tags":null,"has_narrative":true,"complaint_id":"20005226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2026-03-05T17:08:10.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Failure to Provide Documentation Linking the <em>Consumer</em> to the Debt The company has not provided identification records, Social <em>Security</em> verification, signed authorization, or any documentation connecting me to this alleged account. \n\n5. Potential <em>Reporting</em> of <em>Unverified</em> <em>Information</em> to <em>Consumer</em> <em>Reporting</em> Agencies FCRA 623 If this account has been <em>reported</em> to credit <em>reporting</em> agencies without proper verification, this may constitute furnishing <em>inaccurate</em> or <em>unverified</em> <em>information</em>."]},"sort":[14.599093,"20005226"]},{"_index":"complaint-public-v1","_id":"6988007","_score":14.576917,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the XXXX XXXX standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The XXXX XXXX standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and XXXX XXXX standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty","date_sent_to_company":"2023-05-17T13:04:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"6988007","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-17T12:58:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit <em>Reporting</em> Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of <em>information</em> in the files of <em>consumer</em> <em>reporting</em> agencies ( CRAs ). CRAs are companies that collect and maintain <em>consumer</em> <em>information</em>, which is then used to <em>produce</em> <em>consumer</em> <em>reports</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.576917,"6988007"]},{"_index":"complaint-public-v1","_id":"15742867","_score":14.544302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion ( as well as Experian and Equifax ) have failed to conduct proper reinvestigations of my disputes under the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and unverifiable accounts. Despite multiple disputes and notices, the credit reporting agencies have refused to provide original signed contracts or lawful verification of the accounts. \nInstead, they have relied on parroting data from furnishers through the automated e-Oscar system, which courts have ruled does not satisfy the FCRAs reinvestigation requirements. This failure is compounded by TransUnions recent data breach, which demonstrates their mishandling of consumer data while continuing to report unauthorized, unverifiable accounts. \nAccounts in Dispute : XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX XXXX/ XXXX  Bank : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX  XXXX : Acct # XXXX Violations of Law and Consumer Rights : Failure to Reinvestigate Parroting Data TransUnion and the other CRAs rely on parroting data from furnishers instead of performing a real reinvestigation.\n\nRoberts v. Carter-Young , Inc. and Norman v. TransUnion LLC both ruled that parroting is not a lawful reinvestigation.\n\nThis violates 15 U.S.C. 1681i ( 5 ) ( A ), which requires deletion of information that can not be verified.\n\nNo Permissible Purpose Under 15 U.S.C. 1681b and 1681e ( a ), CRAs may only furnish consumer reports with a permissible purpose. \nWithout a wet-signed contract authorizing the furnisher, they have no permissible purpose to publish or distribute these accounts. \nFailure to Produce Contracts Under UCC 3-401 & 3-403, liability on negotiable instruments requires a signature.\n\nNone of the CRAs or furnishers have produced original signed contracts establishing liability.\n\nFailure to Reinvestigate TransUnion admitted it can not reinvestigate at this time.\n\nThis is an outright violation of the FCRAs reinvestigation requirements under 15 U.S.C. 1681i.\n\nMishandling of Consumer Data Data Breach TransUnion recently suffered a major data breach compromising consumer information. \nAt the same time, they continue to mishandle my data by reporting inaccurate, unverified, and unauthorized accounts. \nThis raises serious concerns of both negligence and willful misconduct. \nHarm Suffered : I am being denied fair and accurate credit reporting. \nThese inaccurate and unverified accounts are harming my ability to obtain housing and credit. \nMy privacy rights have been violated through the reporting and publication of unverifiable data, compounded by the recent TransUnion data breach. \nRequested Resolution : I respectfully request that the CFPB require TransUnion, Experian, and Equifax to : Immediately delete all disputed accounts listed above. \nProvide written confirmation of the deletions. \nCease and desist from publishing or reporting my data without proper legal authorization.\n\nBe held accountable for violations of : 15 U.S.C. 1681i ( 5 ) ( A ) ( failure to reinvestigate and delete unverifiable data ) 15 U.S.C. 1681n and 1681o ( civil liability for willful and negligent noncompliance ) Related federal protections regarding data security and consumer rights.","date_sent_to_company":"2025-09-05T18:30:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"15742867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-05T18:29:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["At the same time, they continue to mishandle my data by <em>reporting</em> <em>inaccurate</em>, <em>unverified</em>, and unauthorized accounts. \nThis raises serious concerns of both negligence and willful misconduct. \nHarm Suffered : I am being denied fair and accurate credit <em>reporting</em>. \nThese <em>inaccurate</em> and <em>unverified</em> accounts are harming my ability to obtain housing and credit."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.544302,"15742867"]},{"_index":"complaint-public-v1","_id":"10765116","_score":14.529398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty ( 30 )","date_sent_to_company":"2024-11-13T03:16:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30248","tags":null,"has_narrative":true,"complaint_id":"10765116","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-13T03:07:53.000Z","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 information inaccurate"},"highlight":{"complaint_what_happened":["Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the <em>information</em> they <em>report</em>. They must also correct or delete <em>inaccurate</em> or incomplete <em>information</em>. In addition, the FCRA requires CRAs to provide <em>consumers</em> with access to their <em>consumer</em> <em>reports</em> upon request. Finally, the FCRA protects <em>consumers</em> from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and <em>security</em> of <em>consumer</em> <em>information</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Public record <em>information</em> <em>inaccurate</em>"]},"sort":[14.529398,"10765116"]},{"_index":"complaint-public-v1","_id":"6987952","_score":14.512469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the XXXX XXXX XXXX XXXX ( XXXX ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty","date_sent_to_company":"2023-05-17T13:04:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"6987952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-17T13:04:29.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit <em>Reporting</em> Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of <em>information</em> in the files of <em>consumer</em> <em>reporting</em> agencies ( CRAs ). CRAs are companies that collect and maintain <em>consumer</em> <em>information</em>, which is then used to <em>produce</em> <em>consumer</em> <em>reports</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.512469,"6987952"]},{"_index":"complaint-public-v1","_id":"15743115","_score":14.4859705,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion ( as well as Experian and Equifax ) have failed to conduct proper reinvestigations of my disputes under the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and unverifiable accounts. Despite multiple disputes and notices, the credit reporting agencies have refused to provide original signed contracts or lawful verification of the accounts. \nInstead, they have relied on parroting data from furnishers through the automated e-Oscar system, which courts have ruled does not satisfy the FCRAs reinvestigation requirements. This failure is compounded by TransUnions recent data breach, which demonstrates their mishandling of consumer data while continuing to report unauthorized, unverifiable accounts. \nAccounts in Dispute : XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX XXXX/ XXXX  Bank : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX  XXXX : Acct # XXXX Violations of Law and Consumer Rights : Failure to Reinvestigate Parroting Data TransUnion and the other CRAs rely on parroting data from furnishers instead of performing a real reinvestigation.\n\nRoberts v. Carter-Young , Inc. and Norman v. TransUnion LLC both ruled that parroting is not a lawful reinvestigation.\n\nThis violates 15 U.S.C. 1681i ( 5 ) ( A ), which requires deletion of information that can not be verified.\n\nNo Permissible Purpose Under 15 U.S.C. 1681b and 1681e ( a ), CRAs may only furnish consumer reports with a permissible purpose. \nWithout a wet-signed contract authorizing the furnisher, they have no permissible purpose to publish or distribute these accounts. \nFailure to Produce Contracts Under UCC 3-401 & 3-403, liability on negotiable instruments requires a signature.\n\nNone of the CRAs or furnishers have produced original signed contracts establishing liability.\n\nFailure to Reinvestigate TransUnion admitted it can not reinvestigate at this time.\n\nThis is an outright violation of the FCRAs reinvestigation requirements under 15 U.S.C. 1681i.\n\nMishandling of Consumer Data Data Breach TransUnion recently suffered a major data breach compromising consumer information. \nAt the same time, they continue to mishandle my data by reporting inaccurate, unverified, and unauthorized accounts. \nThis raises serious concerns of both negligence and willful misconduct. \nHarm Suffered : I am being denied fair and accurate credit reporting. \nThese inaccurate and unverified accounts are harming my ability to obtain housing and credit. \nMy privacy rights have been violated through the reporting and publication of unverifiable data, compounded by the recent TransUnion data breach. \nRequested Resolution : I respectfully request that the CFPB require TransUnion, Experian, and Equifax to : Immediately delete all disputed accounts listed above. \nProvide written confirmation of the deletions. \nCease and desist from publishing or reporting my data without proper legal authorization.\n\nBe held accountable for violations of : 15 U.S.C. 1681i ( 5 ) ( A ) ( failure to reinvestigate and delete unverifiable data ) 15 U.S.C. 1681n and 1681o ( civil liability for willful and negligent noncompliance ) Related federal protections regarding data security and consumer rights.","date_sent_to_company":"2025-09-05T18:30:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"15743115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-05T18:10:41.000Z","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":["At the same time, they continue to mishandle my data by <em>reporting</em> <em>inaccurate</em>, <em>unverified</em>, and unauthorized accounts. \nThis raises serious concerns of both negligence and willful misconduct. \nHarm Suffered : I am being denied fair and accurate credit <em>reporting</em>. \nThese <em>inaccurate</em> and <em>unverified</em> accounts are harming my ability to obtain housing and credit."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.4859705,"15743115"]},{"_index":"complaint-public-v1","_id":"15742866","_score":14.4859705,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion ( as well as Experian and Equifax ) have failed to conduct proper reinvestigations of my disputes under the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and unverifiable accounts. Despite multiple disputes and notices, the credit reporting agencies have refused to provide original signed contracts or lawful verification of the accounts. \nInstead, they have relied on parroting data from furnishers through the automated e-Oscar system, which courts have ruled does not satisfy the FCRAs reinvestigation requirements. This failure is compounded by TransUnions recent data breach, which demonstrates their mishandling of consumer data while continuing to report unauthorized, unverifiable accounts. \nAccounts in Dispute : XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX XXXX/ XXXX  Bank : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX  XXXX : Acct # XXXX Violations of Law and Consumer Rights : Failure to Reinvestigate Parroting Data TransUnion and the other CRAs rely on parroting data from furnishers instead of performing a real reinvestigation.\n\nRoberts v. Carter-Young , Inc. and Norman v. TransUnion LLC both ruled that parroting is not a lawful reinvestigation.\n\nThis violates 15 U.S.C. 1681i ( 5 ) ( A ), which requires deletion of information that can not be verified.\n\nNo Permissible Purpose Under 15 U.S.C. 1681b and 1681e ( a ), CRAs may only furnish consumer reports with a permissible purpose. \nWithout a wet-signed contract authorizing the furnisher, they have no permissible purpose to publish or distribute these accounts. \nFailure to Produce Contracts Under UCC 3-401 & 3-403, liability on negotiable instruments requires a signature.\n\nNone of the CRAs or furnishers have produced original signed contracts establishing liability.\n\nFailure to Reinvestigate TransUnion admitted it can not reinvestigate at this time.\n\nThis is an outright violation of the FCRAs reinvestigation requirements under 15 U.S.C. 1681i.\n\nMishandling of Consumer Data Data Breach TransUnion recently suffered a major data breach compromising consumer information. \nAt the same time, they continue to mishandle my data by reporting inaccurate, unverified, and unauthorized accounts. \nThis raises serious concerns of both negligence and willful misconduct. \nHarm Suffered : I am being denied fair and accurate credit reporting. \nThese inaccurate and unverified accounts are harming my ability to obtain housing and credit. \nMy privacy rights have been violated through the reporting and publication of unverifiable data, compounded by the recent TransUnion data breach. \nRequested Resolution : I respectfully request that the CFPB require TransUnion, Experian, and Equifax to : Immediately delete all disputed accounts listed above. \nProvide written confirmation of the deletions. \nCease and desist from publishing or reporting my data without proper legal authorization.\n\nBe held accountable for violations of : 15 U.S.C. 1681i ( 5 ) ( A ) ( failure to reinvestigate and delete unverifiable data ) 15 U.S.C. 1681n and 1681o ( civil liability for willful and negligent noncompliance ) Related federal protections regarding data security and consumer rights.","date_sent_to_company":"2025-09-05T18:30:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"15742866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-05T18:29:54.000Z","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":["At the same time, they continue to mishandle my data by <em>reporting</em> <em>inaccurate</em>, <em>unverified</em>, and unauthorized accounts. \nThis raises serious concerns of both negligence and willful misconduct. \nHarm Suffered : I am being denied fair and accurate credit <em>reporting</em>. \nThese <em>inaccurate</em> and <em>unverified</em> accounts are harming my ability to obtain housing and credit."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.4859705,"15742866"]},{"_index":"complaint-public-v1","_id":"17103238","_score":14.4333105,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company : Santander Consumer USA Inc . \nIssue : Vehicle repossession during unresolved dispute no validation, no ownership proof, and defective chain of title. \n\nSummary : Santander Consumer USA repossessed my XXXX XXXX XXXX ( VIN : XXXX ) on XX/XX/XXXX, while a lawful administrative validation process was pending. I formally demanded : A copy of the executed retail installment sale contract, The complete chain of assignment and ownership, including any sale or transfer to third parties, and A validated accounting of all charges and alleged obligations. \n\nSantander failed to respond or provide lawful validation prior to initiating repossession. Based on my documentation and independent research, I have reason to believe the original contract was sold, pooled, monetized, and securitized into a trust structure meaning Santander no longer holds the original note or legal ownership interest. Despite this, they acted as though they were the creditor of record, which constitutes false representation, improper enforcement, and potential securities fraud under federal law. \n\nThe assigned towing and storage company confirmed they acted solely under Santanders instruction. This raises serious questions regarding Santanders standing and authority to direct repossession activities without validated ownership or assignment rights. \n\nI request the CFPBs immediate investigation to : Require Santander to produce the verified contract and full chain of title, including any trust, pooling, or securitization records ; Cease and desist from any sale, auction, or transfer of the collateral pending review and arbitration ; Determine whether Santander violated federal and state consumer-protection laws and UCC Article 9 notice requirements ; and Pursue any applicable monetary penalties and restitution for unauthorized repossession and deceptive practices.\n\nCredit Reporting : I request that no new or modified credit reporting be made by Santander Consumer USA regarding this alleged account or repossession unless and until the company provides full validation of ownership, contract, and lawful assignment. Reporting unverified or inaccurate information would constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). \n\nI do not authorize any charge-off, repossession, or balance entry to be reported while ownership remains unproven. If any reporting has already occurred, I request that the CFPB direct deletion of the trade line until proper documentation is produced. No fabricated or estimated data should appear on my consumer file.","date_sent_to_company":"2025-11-07T16:27:53.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"33647","tags":null,"has_narrative":true,"complaint_id":"17103238","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-11-07T16:09:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["Credit <em>Reporting</em> : I request that no new or modified credit <em>reporting</em> be made by Santander <em>Consumer</em> USA regarding this alleged account or repossession unless and until the company provides full validation of ownership, contract, and lawful assignment. <em>Reporting</em> <em>unverified</em> or <em>inaccurate</em> <em>information</em> would constitute a violation of the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e )."]},"sort":[14.4333105,"17103238"]},{"_index":"complaint-public-v1","_id":"6694717","_score":14.051329,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 1. The following personal information is incorrect Previous Names : Altron Beasley The following personal information is incorrect Previous Names : Altron D Beasley To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices. 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX XXXX Account Number : XXXX Account type XXXX XXXX XXXX Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.\n\n4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX XXXX Account Number : XXXX Account type : Previously Removed Debt from credit report- Re-aged- Not mine- CARES act violation. \nAmount {$1100.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.\n\n5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$2800.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\n6.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX FUNDING Account Number : XXXX Account type : Debt Buyer Amount {$6000.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\n7.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX XXXX  Account Number : XXXX Account type : Debt Buyer Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\nXXXX. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\nXXXX Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n10.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n11.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n12.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.\n\n13.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n14.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n15.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n\n17.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n\nVIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance","date_sent_to_company":"2023-03-14T18:06:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77019","tags":"Servicemember","has_narrative":true,"complaint_id":"6694717","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-14T18:01:04.000Z","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":["Creditors give <em>reporting</em> agencies <em>inaccurate</em> financial <em>information</em> about you. <em>Reporting</em> agencies mixing up one person 's <em>information</em> with another 's because of similar ( or same ) last name or social <em>security</em> number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit <em>reporting</em> act Verify the accuracy of my <em>report</em> when it is required for employment purposes."],"product":["Credit reporting, credit repair services, 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 provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.051329,"6694717"]},{"_index":"complaint-public-v1","_id":"13359382","_score":13.945915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXXXXXX Account Number # XXXX * * * * TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Charge-Off Account Reporting Request for Verification and Immediate Deletion Pursuant to FCRA and Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute a charge-off account currently being reported on my TransUnion credit file. This account has been deleted from both Experian and Equifax due to failure to verify its accuracy under federal law. I am demanding that TransUnion take immediate action to remove this unverified and inaccurate account from my credit report as well.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of any item of information disputed by a consumer. If the information can not be verified, it must be promptly deleted from the file of the consumer. Since this account has already been deleted by Experian and Equifax for failure to verify, I am demanding to know : 1. The method and source TransUnion used to verify this account.\n\n2. Why TransUnion is continuing to report this account when the other CRAs could not verify it and deleted it in accordance with federal law.\n\n3. How this reporting aligns with Metro 2 compliance standards, which require uniformity and accuracy in furnishing data across all consumer reporting agencies.\n\nThis continued reporting is inaccurate, misleading, and violates 15 U.S. Code 1681e ( b ) which mandates all credit reporting agencies to maintain maximum possible accuracy in their reporting. Furthermore, if you are unable to produce verifiable evidence and documentation confirming the accuracy of this account, you are legally obligated to delete the account immediately.\n\nFailure to comply with this demand will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I am also prepared to pursue legal action for willful noncompliance with the FCRA.\n\nI expect written confirmation of the deletion of this account within 30 days from the date of this letter, as required by law. \n\nSincerely, XXXX XXXX XX/XX/XXXX Social Security XXXX ( last XXXX digits ) : XXXX","date_sent_to_company":"2025-05-06T15:54:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48505","tags":null,"has_narrative":true,"complaint_id":"13359382","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-06T15:44:02.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am demanding that TransUnion take immediate action to remove this <em>unverified</em> and <em>inaccurate</em> account from my credit <em>report</em> as well.\n\nUnder the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S. Code 1681i, <em>consumer</em> <em>reporting</em> agencies are required to conduct a reasonable reinvestigation of any item of <em>information</em> disputed by a <em>consumer</em>. If the <em>information</em> can not be verified, it must be promptly deleted from the file of the <em>consumer</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.945915,"13359382"]},{"_index":"complaint-public-v1","_id":"6694928","_score":13.850342,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX not XXXX XXXX. Attached is a valid drivers license and utility bill for identification. \nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. \nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \nXXXX. The following personal information is incorrect Previous Names : XXXX XXXX The following personal information is incorrect Previous Names : XXXX XXXX XXXX To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. \n\nThis is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices.\n\n3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\n\n\n\n4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX XXXX Account Number : XXXX Account type : Previously Removed Debt from credit report- Re-aged- Not mine- CARES act violation. \nAmount {$1100.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.\n\n5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$2800.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\n6.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$6000.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\n7.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. \n\n8. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX COAF Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n9.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n10.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX COAF Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n11.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX COAF Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n12.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX PLUS Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n13.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX Flagshipcrdt Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n14.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n15.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n\n17.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n\nVIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance 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. \n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.","date_sent_to_company":"2023-03-14T18:00:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77019","tags":"Servicemember","has_narrative":true,"complaint_id":"6694928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-14T17:18:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Creditors give <em>reporting</em> agencies <em>inaccurate</em> financial <em>information</em> about you. <em>Reporting</em> agencies mixing up one person 's <em>information</em> with another 's because of similar ( or same ) last name or social <em>security</em> number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit <em>reporting</em> act Verify the accuracy of my <em>report</em> when it is required for employment purposes."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.850342,"6694928"]},{"_index":"complaint-public-v1","_id":"20018995","_score":13.843933,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To Whom It May Concern, I am writing regarding the judgment entered in the matter of Ally Bank vs. XXXX XXXX XXXX. \n\nFirst, I must state that I was never properly served with a summons, complaint, or notice of any court date related to this matter. The court records themselves reflect that multiple different addresses were used in attempts to serve me, several of which were not my residence at the time. Because of this, I never received proper notice of the proceedings and was deprived of the opportunity to appear and defend myself. \n\nDue to the lack of proper service, I will be filing a Motion to Set Aside the judgment pursuant to Rule 60 ( b ) of the North Carolina Rules of Civil Procedure. \n\nAdditionally, the addresses used in your records raise serious concerns. The address referenced in your documentation is not the address that was on file for the vehicle associated with this loan, and it was not my residence. This raises the issue that my personal identifying information, including my Social Security number, may have been used to obtain or access information without proper verification. \n\nIf information related to this account was obtained, used, or reported using incorrect address information tied to my Social Security number, this may constitute violations under : The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) for reporting inaccurate or unverified information.\n\nThe Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) for attempting to collect a debt using misleading or inaccurate representations.\n\nNorth Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ) for unfair or deceptive conduct in the collection of a consumer debt. \n\nFurthermore, I have requested multiple times ( three or more requests ) that documentation be provided showing the disposition of the vehicle, including : The bill of sale for the vehicle The auction company or location where the vehicle was sold The date of sale or auction The sale price and accounting of how the proceeds were applied to the alleged balance These documents have not been provided. Creditors are required to maintain and produce documentation showing how repossessed collateral was disposed of and how the proceeds were applied to the remaining balance. \n\nIf the vehicle was sold while court proceedings were ongoing and while it was being represented that I remained in possession of the vehicle, this raises additional procedural and legal concerns. \n\nPlease consider this a formal request for the above documentation. If the requested information is not provided, these issues will be raised before the Court as part of my Motion to Set Aside the judgment and any additional legal remedies available to","date_sent_to_company":"2026-03-05T22:39:47.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"27701","tags":null,"has_narrative":true,"complaint_id":"20018995","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-03-05T22:30:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["This raises the issue that my personal identifying <em>information</em>, including my Social <em>Security</em> number, may have been used to obtain or access <em>information</em> without proper verification. \n\nIf <em>information</em> related to this account was obtained, used, or <em>reported</em> using incorrect address <em>information</em> tied to my Social <em>Security</em> number, this may constitute violations under : The Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ) for <em>reporting</em> <em>inaccurate</em> or <em>unverified</em> <em>information</em>."]},"sort":[13.843933,"20018995"]},{"_index":"complaint-public-v1","_id":"18396255","_score":13.834076,"_source":{"product":"Debt or credit management","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported bankruptcy information appearing on the credit file of XXXX XXXX. This letter serves as a notice of dispute, a demand for strict compliance with federal law, and a request for immediate corrective action. \nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( XXXX ), a consumer reporting agency may only furnish or report information when there is a lawful and verifiable permissible purpose. You are hereby placed on notice that the bankruptcy information you are reporting lacks demonstrated permissible purpose and has not been properly verified as required by law. \nFurther, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes consumer information under false pretenses is subject to federal liability. Continued reporting of unverified or inaccurately attributed bankruptcy data may constitute reporting under false pretenses if proper authorization and verification can not be produced. \nAdditionally, pursuant to 18 U.S.C. 1028A, strict identity verification is required where information may be the result of misidentification or identity-related error. I dispute that this bankruptcy has been accurately matched to me, and I demand proof that the information reported has been verified through reliable and lawful means. \nUnder 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of inaccurate information resulting from identity error or misattribution. You are required to block and remove this bankruptcy entry unless and until you obtain direct, documentary verification from the courthouse of record, confirming : My full legal name, My Social Security number ( full or last XXXX digits ), My date of birth, and A certified match confirming I am the subject of the alleged bankruptcy. \nVerification through a third-party vendor, automated system, or database is not sufficient under the FCRA. Only direct verification from the court of record satisfies your statutory duty to ensure maximum possible accuracy. \nIf you are unable to provide such verification, you are required by law to immediately delete the bankruptcy entry from my credit file and provide written confirmation of its removal. \nPlease be advised that failure to comply with this request within the timeframes mandated by the FCRA will be documented and may result in further action to protect my rights under federal law. \nI expect your prompt attention to this matter and written confirmation of the results of your investigation. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-31T20:10:50.000Z","issue":"Problem with customer service","sub_product":"Credit repair services","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"18396255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-31T20:07:56.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Further, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes <em>consumer</em> <em>information</em> under false pretenses is subject to federal liability. Continued <em>reporting</em> of <em>unverified</em> or <em>inaccurately</em> attributed bankruptcy data may constitute <em>reporting</em> under false pretenses if proper authorization and verification can not be <em>produced</em>."]},"sort":[13.834076,"18396255"]},{"_index":"complaint-public-v1","_id":"18396147","_score":13.834076,"_source":{"product":"Debt or credit management","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported bankruptcy information appearing on the credit file of XXXX XXXX. This letter serves as a notice of dispute, a demand for strict compliance with federal law, and a request for immediate corrective action. \nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish or report information when there is a lawful and verifiable permissible purpose. You are hereby placed on notice that the bankruptcy information you are reporting lacks demonstrated permissible purpose and has not been properly verified as required by law.\n\nFurther, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes consumer information under false pretenses is subject to federal liability. Continued reporting of unverified or inaccurately attributed bankruptcy data may constitute reporting under false pretenses if proper authorization and verification can not be produced.\n\nAdditionally, pursuant to 18 U.S.C. 1028A, strict identity verification is required where information may be the result of misidentification or identity-related error. I dispute that this bankruptcy has been accurately matched to me, and I demand proof that the information reported has been verified through reliable and lawful means.\n\nUnder 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of inaccurate information resulting from identity error or misattribution. You are required to block and remove this bankruptcy entry unless and until you obtain direct, documentary verification from the courthouse of record, confirming : My full legal name, My Social Security number ( full or last XXXX digits ), My date of birth, and A certified match confirming I am the subject of the alleged bankruptcy. \nVerification through a third-party vendor, automated system, or database is not sufficient under the FCRA. Only direct verification from the court of record satisfies your statutory duty to ensure maximum possible accuracy. \nIf you are unable to provide such verification, you are required by law to immediately delete the bankruptcy entry from my credit file and provide written confirmation of its removal. \nPlease be advised that failure to comply with this request within the timeframes mandated by the FCRA will be documented and may result in further action to protect my rights under federal law. \nI expect your prompt attention to this matter and written confirmation of the results of your investigation. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-31T20:02:48.000Z","issue":"Confusing or missing disclosures","sub_product":"Credit repair services","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"18396147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-31T19:54:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Further, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes <em>consumer</em> <em>information</em> under false pretenses is subject to federal liability. Continued <em>reporting</em> of <em>unverified</em> or <em>inaccurately</em> attributed bankruptcy data may constitute <em>reporting</em> under false pretenses if proper authorization and verification can not be <em>produced</em>."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.834076,"18396147"]},{"_index":"complaint-public-v1","_id":"18396215","_score":13.830633,"_source":{"product":"Debt or credit management","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported bankruptcy information appearing on the credit file of XXXX XXXX. This letter serves as a notice of dispute, a demand for strict compliance with federal law, and a request for immediate corrective action.\n\nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish or report information when there is a lawful and verifiable permissible purpose. You are hereby placed on notice that the bankruptcy information you are reporting lacks demonstrated permissible purpose and has not been properly verified as required by law.\n\nFurther, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes consumer information under false pretenses is subject to federal liability. Continued reporting of unverified or inaccurately attributed bankruptcy data may constitute reporting under false pretenses if proper authorization and verification can not be produced.\n\nAdditionally, pursuant to 18 U.S.C. 1028A, strict identity verification is required where information may be the result of misidentification or identity-related error. I dispute that this bankruptcy has been accurately matched to me, and I demand proof that the information reported has been verified through reliable and lawful means.\n\nUnder 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of inaccurate information resulting from identity error or misattribution. You are required to block and remove this bankruptcy entry unless and until you obtain direct, documentary verification from the courthouse of record, confirming : My full legal name, XXXX Social Security number ( full or last XXXX digits ), My date of birth, and A certified match confirming I am the subject of the alleged bankruptcy. \nVerification through a third-party vendor, automated system, or database is not sufficient under the FCRA. Only direct verification from the court of record satisfies your statutory duty to ensure maximum possible accuracy.\n\nIf you are unable to provide such verification, you are required by law to immediately delete the bankruptcy entry from my credit file and provide written confirmation of its removal.\n\nPlease be advised that failure to comply with this request within the timeframes mandated by the FCRA will be documented and may result in further action to protect my rights under federal law.\n\nI expect your prompt attention to this matter and written confirmation of the results of your investigation. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-31T20:07:57.000Z","issue":"Problem with customer service","sub_product":"Credit repair services","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"18396215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-31T20:03:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Further, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes <em>consumer</em> <em>information</em> under false pretenses is subject to federal liability. Continued <em>reporting</em> of <em>unverified</em> or <em>inaccurately</em> attributed bankruptcy data may constitute <em>reporting</em> under false pretenses if proper authorization and verification can not be <em>produced</em>."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.830633,"18396215"]},{"_index":"complaint-public-v1","_id":"20077542","_score":13.777493,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Dispute and Request for Investigation Failure to Verify Ownership and Chain of Title To Whom It May Concern, I am submitting this complaint regarding inaccurate and unverified information currently being reported on my consumer credit file. I previously disputed the account listed by the furnisher referenced in this complaint and requested proper verification of the alleged debt, including documentation establishing the complete chain of title and lawful standing to report or collect on the account. \n\nTo date, the furnisher has failed to provide any competent evidence demonstrating that it is the lawful owner of the alleged account or that it has been assigned the legal right to collect and report this obligation. Specifically, the company has failed to provide the following : A complete chain of title showing each transfer of the alleged account from the original creditor to the current claimant Any assignment documents proving the account was transferred to the reporting entity Account-level documentation proving my specific account was included in any alleged portfolio sale A copy of the original signed agreement or contract bearing my signature Without a documented chain of title, the furnisher can not establish lawful standing or ownership of the alleged debt. Reporting information to consumer reporting agencies without verifying the legal ownership of the account raises serious concerns regarding compliance with the Fair Credit Reporting Act, which requires that all information reported be accurate and verifiable. \n\nAdditionally, based on industry practices involving securitization of receivables, it is my understanding that many consumer accounts are converted into asset-backed securities ( ABS ) and transferred into investment trusts for the purpose of generating income streams for investors. In such cases, the receivable becomes an asset within a securitized pool and is treated as an income-producing financial instrument. \n\nIf this account has been securitized or converted into an asset-backed security, the reporting entity must provide documentation proving that the asset was legally transferred back out of the securitized trust and that the current entity has the lawful authority to enforce or report the account. No such documentation has been provided. \n\nAt this time, the furnisher is reporting an alleged financial obligation without providing evidence of ownership, assignment, or lawful authority. This raises concerns that the information may be inaccurate, unverifiable, or improperly reported. \n\nTherefore, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into this matter and require the furnisher to provide the following documentation : 1. Complete chain of title documentation from the original creditor to the current claimant 2. Assignment agreements proving lawful transfer of the account 3. Account-level records confirming my account was included in any sale or assignment 4. Documentation demonstrating the legal authority to report this account to consumer reporting agencies If the furnisher can not provide competent documentary evidence establishing lawful ownership and standing, I respectfully request that the account be removed from my consumer credit report immediately in accordance with the accuracy and verification requirements of the Fair Credit Reporting Act. \n\nI appreciate your prompt attention to this matter and look forward to the results of your investigation.","date_sent_to_company":"2026-03-08T17:09:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"46234","tags":null,"has_narrative":true,"complaint_id":"20077542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-08T17:08:48.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute and Request for Investigation Failure to Verify Ownership and Chain of Title To Whom It May Concern, I am submitting this complaint regarding <em>inaccurate</em> and <em>unverified</em> <em>information</em> currently being <em>reported</em> on my <em>consumer</em> credit file."]},"sort":[13.777493,"20077542"]},{"_index":"complaint-public-v1","_id":"16991268","_score":13.553995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian Information Solutions , Inc. for the continued publication and verification of a bankruptcy record and an incorrect personal address that have been proven unverifiable and unlawfully maintained in my consumer credit file.\n\nDespite multiple written disputes and the submission of factual evidence, Experian has failed to remove the following unverified data : Bankruptcy Record : Case No. XXXX XXXX XXXXXXXX Incorrect Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX. Bankruptcy Record Case No. XXXX Experian continues to report this bankruptcy after both Equifax and TransUnion permanently deleted the same entry for lack of verification. \nWritten statements from XXXX XXXX XXXX XXXXXXXX XXXX XXXX confirm they never furnished or verified any such case. \nAdditionally, XXXX has admitted it merely scraped the record from XXXX, which is a public database that does not authenticate consumer identity or Social Security information.\n\nUnder the Fair Credit Reporting Act, Experians reporting of this unverified and expired bankruptcy violates : 607 ( b ) Duty to maintain maximum possible accuracy 611 ( a ) Failure to reinvestigate disputed data 623 ( b ) Failure of furnishers to verify accuracy before reporting This also breaches Metro 2 reporting standards, which require verification directly from the original furnisher before publication. \nExperians continued verification of this unconfirmed bankruptcy constitutes willful noncompliance and reckless disregard for accuracy obligations under 1681n.\n\n2. Incorrect Address XXXX XXXX XXXX, XXXX, GA XXXX Experian continues to report this outdated and unverifiable address even after multiple furnishers denied association with it and after the same data was deleted by XXXX XXXX XXXX \nNo valid documentation or data source has been produced to confirm this information, violating FCRA 607 ( b ) and 611 ( a ).\n\nBecause the address does not connect to my personal history, its continued publication exposes me to identity confusion and potential fraud risk, further violating Metro 2 personal identification field compliance.\n\nAdditional Legal Violations : FCRA 607 ( b ) Failure to assure maximum possible accuracy. \n\nFCRA 611 ( a ) Failure to reinvestigate and delete unverifiable data within 30 days.\n\nFCRA 623 ( b ) Furnishing data without lawful verification.\n\nFCRA 1681b Lack of permissible purpose for continued verification of an unproven bankruptcy.\n\nFCRA 1681n Willful noncompliance resulting in ongoing harm.\n\nExperians continued reporting despite clear evidence of unverifiability constitutes willful disregard for my consumer rights and creates measurable financial harm through inaccurate data presentation.","date_sent_to_company":"2025-11-03T17:20:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30263","tags":null,"has_narrative":true,"complaint_id":"16991268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-03T17:17:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Experians continued <em>reporting</em> despite clear evidence of unverifiability constitutes willful disregard for my <em>consumer</em> rights and creates measurable financial harm through <em>inaccurate</em> data presentation."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Public record <em>information</em> <em>inaccurate</em>"]},"sort":[13.553995,"16991268"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":232,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":232}]}},"product":{"doc_count":232,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":124,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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