{"took":96,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10740,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16703947","_score":17.192087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"They need to show how they verified the things on my account Legal Basis of This Request Under FCRA 611 ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation to determine the accuracy of disputed information within 30 days of receipt of this notice.\n\nUnder FCRA 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it must be promptly deleted from the file.\n\nUnder FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers may not report data they know or should know is inaccurate.\n\nUnder FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Any debt collector must provide proper validation of a debt when requested in writing.","date_sent_to_company":"2025-10-20T17:00:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"16703947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-20T16:41:10.000Z","state":"AZ","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":["They need to show how they verified the things on my account Legal Basis of This Request <em>Under</em> <em>FCRA</em> 611 ( a ) ( 1 ) ( A ) You <em>must</em> conduct a reasonable reinvestigation to determine the accuracy of disputed <em>information</em> within 30 days of receipt of this notice.\n\n<em>Under</em> <em>FCRA</em> 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it <em>must</em> be promptly deleted from the file.\n\n<em>Under</em> <em>FCRA</em> 623 ( a ) ( 1 ) ( A ) <em>Information</em> <em>furnishers</em> may not <em>report</em> data they <em>know</em> or should <em>know</em> is inaccurate."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[17.192087,"16703947"]},{"_index":"complaint-public-v1","_id":"16704542","_score":17.168919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"They need to show how they verified the things on my account Legal Basis of This Request Under FCRA 611 ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation to determine the accuracy of disputed information within 30 days of receipt of this notice.\n\nUnder FCRA 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it must be promptly deleted from the file.\n\nUnder FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers may not report data they know or should know is inaccurate.\n\nUnder FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Any debt collector must provide proper validation of a debt when requested in writing.","date_sent_to_company":"2025-10-20T17:00:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"16704542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-20T17:00:23.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They need to show how they verified the things on my account Legal Basis of This Request <em>Under</em> <em>FCRA</em> 611 ( a ) ( 1 ) ( A ) You <em>must</em> conduct a reasonable reinvestigation to determine the accuracy of disputed <em>information</em> within 30 days of receipt of this notice.\n\n<em>Under</em> <em>FCRA</em> 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it <em>must</em> be promptly deleted from the file.\n\n<em>Under</em> <em>FCRA</em> 623 ( a ) ( 1 ) ( A ) <em>Information</em> <em>furnishers</em> may not <em>report</em> data they <em>know</em> or should <em>know</em> is inaccurate."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[17.168919,"16704542"]},{"_index":"complaint-public-v1","_id":"16704541","_score":17.168919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"They need to show how they verified the things on my account Legal Basis of This Request Under FCRA 611 ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation to determine the accuracy of disputed information within 30 days of receipt of this notice.\n\nUnder FCRA 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it must be promptly deleted from the file.\n\nUnder FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers may not report data they know or should know is inaccurate.\n\nUnder FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Any debt collector must provide proper validation of a debt when requested in writing.","date_sent_to_company":"2025-10-20T17:00:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"16704541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-20T17:00:23.000Z","state":"AZ","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":["They need to show how they verified the things on my account Legal Basis of This Request <em>Under</em> <em>FCRA</em> 611 ( a ) ( 1 ) ( A ) You <em>must</em> conduct a reasonable reinvestigation to determine the accuracy of disputed <em>information</em> within 30 days of receipt of this notice.\n\n<em>Under</em> <em>FCRA</em> 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it <em>must</em> be promptly deleted from the file.\n\n<em>Under</em> <em>FCRA</em> 623 ( a ) ( 1 ) ( A ) <em>Information</em> <em>furnishers</em> may not <em>report</em> data they <em>know</em> or should <em>know</em> is inaccurate."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[17.168919,"16704541"]},{"_index":"complaint-public-v1","_id":"15472362","_score":17.095682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate reporting by Lead ( Self ) on my credit report. The account in question was closed on XX/XX/year> yet the creditor continues to report the account as XXXX days delinquent. This reporting is inaccurate and misleading. \n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ), furnishers of information are required to provide accurate information to consumer reporting agencies and to correct or delete information they know or should know is inaccurate. By continuing to report this account incorrectly, [ Creditor Name ] is in violation of these provisions. \n\nAdditionally, I previously disputed this account and its inaccurate information but the information remains incorrect. This constitutes a failure to conduct a reasonable investigation under the FCRA, 15 U.S.C. 1681i. This inaccurate information is illegally impacting my credit rating, XXXX, my credit report and my ability to have a accurate credit reporting. \n\nI am requesting that the CFPB require [ Creditor Name ] to : 1. Accurately update the account to reflect its correct status as closed ; 2. Remove any inaccurate delinquency or status information being reported ; 3. Ensure full compliance with the FCRA in the handling of consumer disputes. \n\n\n\nKey Laws to Mention FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report information they know ( or should know ) is inaccurate.\n\nFCRA, 15 U.S.C. 1681s-2 ( b ) : After a consumer disputes information, furnishers must investigate and correct inaccuracies.\n\nFCRA, 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes accuracy.","date_sent_to_company":"2025-08-24T06:17:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77070","tags":"Servicemember","has_narrative":true,"complaint_id":"15472362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-08-24T06:06:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Ensure full compliance with the <em>FCRA</em> in the handling of consumer disputes. \n\n\n\nKey Laws to Mention <em>FCRA</em>, 15 U.S.C. 1681s-2 ( a ) : <em>Furnishers</em> <em>must</em> not <em>report</em> <em>information</em> they <em>know</em> ( or should <em>know</em> ) is inaccurate.\n\n<em>FCRA</em>, 15 U.S.C. 1681s-2 ( b ) : After a consumer disputes <em>information</em>, <em>furnishers</em> <em>must</em> investigate and correct inaccuracies.\n\n<em>FCRA</em>, 15 U.S.C. 1681i : Credit <em>reporting</em> agencies <em>must</em> conduct a reasonable reinvestigation when a consumer disputes accuracy."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[17.095682,"15472362"]},{"_index":"complaint-public-v1","_id":"7130758","_score":17.043427,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : Account name : XXXX XXXX XXXX You are reporting this collection as an \" OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. \n\nSection 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. \n\nPer the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have \" reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )","date_sent_to_company":"2023-06-18T02:20:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70065","tags":null,"has_narrative":true,"complaint_id":"7130758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-18T01:55:24.000Z","state":"LA","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":["To whom it may concern : Account name : XXXX XXXX XXXX You are <em>reporting</em> this collection as an \" OPEN ACCOUNT '' which is not <em>under</em> <em>FCRA</em> compliance. This is inaccurate <em>reporting</em> and needs to be removed immediately. \n\nSection 623 of the <em>FCRA</em> and Regulation V generally provide that a <em>furnisher</em> <em>must</em> not <em>furnish</em> inaccurate consumer <em>information</em> to a CRA, and that <em>furnishers</em> <em>must</em> investigate a consumer 's dispute that the <em>furnished</em> <em>information</em> is inaccurate or incomplete."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.043427,"7130758"]},{"_index":"complaint-public-v1","_id":"7130724","_score":17.036053,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : Account name : XXXX  account number XXXX You are reporting this collection as an \" OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. Per the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have \" reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )","date_sent_to_company":"2023-06-18T02:28:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70122","tags":null,"has_narrative":true,"complaint_id":"7130724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-18T02:22:11.000Z","state":"LA","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":["To whom it may concern : Account name : XXXX  account number XXXX You are <em>reporting</em> this collection as an \" OPEN ACCOUNT '' which is not <em>under</em> <em>FCRA</em> compliance. This is inaccurate <em>reporting</em> and needs to be removed immediately. Section 623 of the <em>FCRA</em> and Regulation V generally provide that a <em>furnisher</em> <em>must</em> not <em>furnish</em> inaccurate consumer <em>information</em> to a CRA, and that <em>furnishers</em> <em>must</em> investigate a consumer 's dispute that the <em>furnished</em> <em>information</em> is inaccurate or incomplete."],"issue":["Incorrect <em>information</em> on your <em>report</em>"]},"sort":[17.036053,"7130724"]},{"_index":"complaint-public-v1","_id":"7130757","_score":17.025892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : Account name : XXXX XXXX XXXX You are reporting this collection as an \" OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. \n\nSection 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. \n\nPer the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have \" reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )","date_sent_to_company":"2023-06-18T02:20:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70065","tags":null,"has_narrative":true,"complaint_id":"7130757","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-18T02:20:30.000Z","state":"LA","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":["To whom it may concern : Account name : XXXX XXXX XXXX You are <em>reporting</em> this collection as an \" OPEN ACCOUNT '' which is not <em>under</em> <em>FCRA</em> compliance. This is inaccurate <em>reporting</em> and needs to be removed immediately. \n\nSection 623 of the <em>FCRA</em> and Regulation V generally provide that a <em>furnisher</em> <em>must</em> not <em>furnish</em> inaccurate consumer <em>information</em> to a CRA, and that <em>furnishers</em> <em>must</em> investigate a consumer 's dispute that the <em>furnished</em> <em>information</em> is inaccurate or incomplete."],"issue":["Incorrect <em>information</em> on your <em>report</em>"]},"sort":[17.025892,"7130757"]},{"_index":"complaint-public-v1","_id":"16715672","_score":17.01918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false. Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617. Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-10-22T02:47:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"16715672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T02:46:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false. Late Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.01918,"16715672"]},{"_index":"complaint-public-v1","_id":"16715350","_score":17.01918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false. Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617. Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-10-22T02:47:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"16715350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-22T02:36:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false. Late Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.01918,"16715350"]},{"_index":"complaint-public-v1","_id":"16715671","_score":17.01447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false. Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617. Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-10-22T02:47:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"16715671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-22T02:46:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false. Late Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.01447,"16715671"]},{"_index":"complaint-public-v1","_id":"16182187","_score":16.653603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion.\n\nDetails of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.\n\nLate Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.\n\nWrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-09-25T14:58:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"16182187","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-25T14:42:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false.\n\nLate Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.653603,"16182187"]},{"_index":"complaint-public-v1","_id":"16182082","_score":16.644474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion.\n\nDetails of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.\n\nLate Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.\n\nWrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-09-25T14:58:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"16182082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-25T14:58:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false.\n\nLate Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.644474,"16182082"]},{"_index":"complaint-public-v1","_id":"17126059","_score":16.639633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. \n\nDetails of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.\n\nLate Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.\n\nWrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-11-09T15:42:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"17126059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-09T15:41:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false.\n\nLate Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.639633,"17126059"]},{"_index":"complaint-public-v1","_id":"17124804","_score":16.639633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. \n\nDetails of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.\n\nLate Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.\n\nWrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-11-09T15:42:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"17124804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-09T15:23:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false.\n\nLate Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.639633,"17124804"]},{"_index":"complaint-public-v1","_id":"16182081","_score":16.63389,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion.\n\nDetails of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.\n\nLate Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.\n\nWrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-09-25T14:58:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"16182081","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-25T14:58:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false.\n\nLate Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.63389,"16182081"]},{"_index":"complaint-public-v1","_id":"17126060","_score":16.625479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint : I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. \n\nDetails of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false.\n\nLate Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617.\n\nWrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.","date_sent_to_company":"2025-11-09T15:42:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"17126060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-09T15:41:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Dispute : Collections <em>Reporting</em> The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly <em>furnished</em>. <em>Under</em> <em>FCRA</em> 1681i ( a ), unverifiable accounts <em>must</em> be deleted. <em>Under</em> FDCPA 1692e ( 8 ), <em>furnishers</em> can not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is false.\n\nLate Payment <em>Reporting</em> The late payment history being <em>reported</em> is inaccurate and incomplete."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.625479,"17126060"]},{"_index":"complaint-public-v1","_id":"15218732","_score":16.549618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In reviewing my credit reports, I found that XXXXXXXX XXXX  is reporting inaccurate and unverifiable information. This account was closed in XXXX, but Equifax is reporting activity in XXXX, which constitutes account re-aging and is prohibited under the Fair Credit Reporting Act ( FCRA ). There are also discrepancies among the credit bureaus regarding the date of last activity, account status, and balance, meaning the information can not be verified as accurate.\n\nUnder FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Under FCRA 611 ( a ), the credit bureaus must delete any information that can not be verified. I am requesting the immediate deletion of this account from all credit bureaus.","date_sent_to_company":"2025-08-11T09:00:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07026","tags":null,"has_narrative":true,"complaint_id":"15218732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-11T06:35:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> <em>FCRA</em> 623 ( a ) ( 1 ) ( A ), <em>furnishers</em> of <em>information</em> are prohibited from <em>reporting</em> data they <em>know</em> or should <em>know</em> is inaccurate. <em>Under</em> <em>FCRA</em> 611 ( a ), the credit bureaus <em>must</em> delete any <em>information</em> that can not be verified. I am requesting the immediate deletion of this account from all credit bureaus."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.549618,"15218732"]},{"_index":"complaint-public-v1","_id":"15217888","_score":16.549618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In reviewing my credit reports, I found that XXXXXXXX XXXX  is reporting inaccurate and unverifiable information. This account was closed in XXXX, but Equifax is reporting activity in XXXX, which constitutes account re-aging and is prohibited under the Fair Credit Reporting Act ( FCRA ). There are also discrepancies among the credit bureaus regarding the date of last activity, account status, and balance, meaning the information can not be verified as accurate.\n\nUnder FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Under FCRA 611 ( a ), the credit bureaus must delete any information that can not be verified. I am requesting the immediate deletion of this account from all credit bureaus.","date_sent_to_company":"2025-08-11T08:00:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07026","tags":null,"has_narrative":true,"complaint_id":"15217888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-11T06:43:52.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> <em>FCRA</em> 623 ( a ) ( 1 ) ( A ), <em>furnishers</em> of <em>information</em> are prohibited from <em>reporting</em> data they <em>know</em> or should <em>know</em> is inaccurate. <em>Under</em> <em>FCRA</em> 611 ( a ), the credit bureaus <em>must</em> delete any <em>information</em> that can not be verified. I am requesting the immediate deletion of this account from all credit bureaus."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.549618,"15217888"]},{"_index":"complaint-public-v1","_id":"15472690","_score":16.41048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate reporting by Professional Debt Mediation ( The XXXX ) on my credit report. I am requesting written proof of this account and all debt that is listed in my credit report. I have previously disputed this debt, this account, and any knowledge of this collection agency, yet the creditor continues to report the account as This reporting is inaccurate and misleading. I request the contracts with my signature for said debt, all documents pertaining to the details of said debt, documents showing when/where there were attempts made to resolve this debt prior to it being sent to collections and place on my credit report, and public records. The amount listed in my credit report in collections is {$7200.00}. \n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ), furnishers of information are required to provide accurate information to consumer reporting agencies and to correct or delete information they know or should know is inaccurate. By continuing to report this account incorrectly, Professional Debt Mediation ( XXXX XXXXXXXX ) is in violation of these provisions. \n\nAdditionally, I previously disputed this account, collections, debt and yet the information remains incorrect. This constitutes a failure to conduct a reasonable investigation under the FCRA, 15 U.S.C. 1681i. \n\nI am requesting that the CFPB require Professional Debt Mediation ( XXXX XXXX ) to : 1. Accurately update the account to reflect its correct status as closed ; 2. Remove any inaccurate delinquency or status information being reported ; 3. Ensure full compliance with the FCRA in the handling of consumer disputes.\n\nKey Laws to Mention FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report information they know ( or should know ) is inaccurate. \nFCRA, 15 U.S.C. 1681s-2 ( b ) : After a consumer disputes information, furnishers must investigate and correct inaccuracies.\n\nFCRA, 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes accuracy. \nI am filing a complaint regarding Professional Debt Mediation ( XXXX  XXXX ) for improper collection and reporting of a debt. \n\nA collection account was placed on my credit report and public records under account number [ last 4 digits or reference number ]. I was never contacted or provided notice of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), which requires a debt collector to send written notice within 5 days of the initial communication. \n\nAfter discovering the account on my credit report, I submitted a written request for debt validation on [ date ]. To this day, I have not received any proof of the debt or verification as required by 15 U.S.C. 1692g ( b ). Despite this, the collector continues to report the account to credit bureaus and in public records. \n\nReporting a debt without providing validation upon request is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information they know or should know is inaccurate.\n\n1. Provide proper validation of the alleged debt ; or 2. Remove the account entirely from my credit report and public records ; and 3. Ensure compliance with the FDCPA and FCRA in future reporting. \n\n\n\nKey Laws to Reference FDCPA ( Fair Debt Collection Practices Act ) : 15 U.S.C. 1692g ( a ) : Debt collectors must send written notice within 5 days of initial contact.\n\n15 U.S.C. 1692g ( b ) : Debt collectors must cease collection until they provide verification if the consumer disputes or requests proof.\n\nFCRA ( Fair Credit Reporting Act ) : 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report information they know ( or should know ) is inaccurate.\n\n15 U.S.C. 1681s-2 ( b ) : After a dispute, furnishers must investigate and correct inaccuracies.","date_sent_to_company":"2025-08-24T06:46:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77070","tags":"Servicemember","has_narrative":true,"complaint_id":"15472690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Debt Mediation, Inc.","date_received":"2025-08-24T06:20:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>FCRA</em> ( Fair Credit <em>Reporting</em> Act ) : 15 U.S.C. 1681s-2 ( a ) : <em>Furnishers</em> <em>must</em> not <em>report</em> <em>information</em> they <em>know</em> ( or should <em>know</em> ) is inaccurate.\n\n15 U.S.C. 1681s-2 ( b ) : After a dispute, <em>furnishers</em> <em>must</em> investigate and correct inaccuracies."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Public record <em>information</em> inaccurate"]},"sort":[16.41048,"15472690"]},{"_index":"complaint-public-v1","_id":"3619144","_score":16.391151,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Continuance of my dispute with XXXX on XX/XX/XXXX or most recently. Fcra rule for the furnisher. \nCorrecting Errors Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. \nCredit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. \n\nWhen the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. \n\nIf you ask, the credit reporting company must send notices of any corrections to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes. \nIf the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. \nDuty to Provide Accurate Information : FCRA 623 ( a ) Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.15 Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information.16 Duty to Provide Notice of Delinquency of Accounts. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.22 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. For example, if an account became delinquent in XX/XX/XXXX but the creditor waited until XX/XX/XXXX to sell it to a collection agency, the date of delinquency is XX/XX/XXXX. See S. Rep. 104-185 External Site, at 49-50 ( 1995 ). \nIdentity Theft. Furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs under 605B relating to information resulting from identify theft in order to prevent the refurnishing of this information. In addition, when a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher may not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.23 Investigation Procedures. Under 623 ( b ) ( 1 ), when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.27 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.28 Correcting Errors Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.","date_sent_to_company":"2020-04-23T15:18:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37209","tags":null,"has_narrative":true,"complaint_id":"3619144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-23T15:18:39.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Fcra</em> rule for the <em>furnisher</em>. \nCorrecting Errors <em>Under</em> the <em>FCRA</em>, both the credit <em>reporting</em> company and the <em>information</em> provider ( that is, the person, company, or organization that provides <em>information</em> about you to a credit <em>reporting</em> company ) are responsible for correcting inaccurate or incomplete <em>information</em> in your <em>report</em>. To take advantage of all your rights <em>under</em> this law, contact the credit <em>reporting</em> company and the <em>information</em> provider."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.391151,"3619144"]},{"_index":"complaint-public-v1","_id":"17412703","_score":16.256596,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a consumer, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA/FECPA ) as follows : FCRA Violations and Consumer Rights FCRA 602 ( A ) Requires fair and accurate credit reporting and prohibits inclusion of inaccurate or unverified information.\n\nFCRA 604 ( a ) ( 2 ) & 604 ( f ) ( 1 ) A hard inquiry requires written, signed consumer authorization. I never provided authorization to the company/entities reporting these inquiries.\n\nFCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum accuracy. Reporting inquiries without proof violates this requirement.\n\nFCRA 609 ( a ) ( 1 ) I have the right to request the full method of authorization, including the signed application or permissible-purpose documentation. No such documentation exists because I never authorized these inquiries.\n\nFCRA 611 ( a ) I am requesting a formal reinvestigation. If the furnisher can not provide written proof of permissible purpose, the CRA must delete the inquiry.\n\nFCRA 615 ( f ) It is illegal for any entity to obtain or use my consumer report without a legitimate permissible purpose.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Data furnishers may not report information they know or should know is inaccurate. Reporting unauthorized inquiries violates this section.\n\nFCRA 623 ( b ) Once a dispute is filed, the furnisher must conduct a reasonable investigation and delete information that can not be verified.\n\nFDCPA/FECPA Protections Although a hard inquiry is not a debt, any attempt by a company to claim I applied for credit when I did not is considered a misrepresentation under : FDCPA 807 ( 2 ) ( A ) Prohibits false representation of the character or legal status of a debt or credit obligation.\n\nFDCPA 813 Provides civil liability for willful or negligent noncompliance.\n\nIf the company claims I authorized the inquiry without producing proof, that constitutes a deceptive practice.\n\nFACTA Identity Theft & Fraud Protections Under FACTA 112, consumers have the right to have fraudulent information blocked from their reports when unauthorized access is suspected.\n\nThese inquiries are unauthorized and therefore fall under identity-theft/fraud protections.\n\nMetro 2 Compliance Requirements Under the Metro 2 Credit Reporting Guidelines, hard inquiries must only be reported if : There is verifiable consumer authorization The furnisher maintains documentation The furnisher can validate the identity and application If the furnisher can not produce the signed credit application or digital authorization logs, the inquiry must be deleted as unverifiable and inaccurate.\n\nI am requesting the CFPB to : Require the furnisher to provide proof of permissible purpose, including the signed application or digital audit trail.\n\nRequire the CRAs to delete any inquiry that can not be fully verified, per FCRA 611 ( a ) ( 5 ).\n\nEnsure the investigation is completed within the required 30-day period or sooner.\n\nHold the furnisher accountable for reporting unauthorized access to my credit file.\n\nConfirm enforcement of FCRA/FDCPA penalties for entities obtaining my report without permission.","date_sent_to_company":"2025-11-22T00:08:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"53222","tags":null,"has_narrative":true,"complaint_id":"17412703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-22T00:08:01.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>FCRA</em> 611 ( a ) I am requesting a formal reinvestigation. If the <em>furnisher</em> can not provide written proof of permissible purpose, the CRA <em>must</em> delete the inquiry.\n\n<em>FCRA</em> 615 ( f ) It is illegal for any entity to obtain or use my consumer <em>report</em> without a legitimate permissible purpose.\n\n<em>FCRA</em> 623 ( a ) ( 1 ) ( A ) Data <em>furnishers</em> may not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is inaccurate. <em>Reporting</em> unauthorized inquiries violates this section."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.256596,"17412703"]},{"_index":"complaint-public-v1","_id":"16550764","_score":16.25156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this statement because my credit report reflects inaccurate personal identifying information and incorrect account reporting that do not belong to me or are being reported inaccurately. \nXXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXBalance : {$9300.00} XX/XX/XXXX & XXXX ( Original Creditor : XX/XX/XXXXBalance : {$5900.00} Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Furthermore, I am exercising my right under FCRA XXXX ( a ) to request a full reinvestigation of these entries. If the data furnishers or credit bureaus can not provide verifiable documentation that proves the accuracy and ownership of these accounts, they must be corrected or deleted immediately.","date_sent_to_company":"2025-10-13T09:15:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30316","tags":null,"has_narrative":true,"complaint_id":"16550764","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T09:15:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am submitting this statement because my credit <em>report</em> reflects inaccurate personal identifying <em>information</em> and incorrect account <em>reporting</em> that do not belong to me or are being <em>reported</em> inaccurately. \nXXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXBalance : {$9300.00} XX/XX/XXXX & XXXX ( Original Creditor : XX/XX/XXXXBalance : {$5900.00} <em>Under</em> <em>FCRA</em> XXXX ( a ) ( XXXX ) ( A ), <em>furnishers</em> of <em>information</em> are prohibited from <em>reporting</em> data they <em>know</em> or should <em>know</em> is inaccurate."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[16.25156,"16550764"]},{"_index":"complaint-public-v1","_id":"16550763","_score":16.25156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this statement because my credit report reflects inaccurate personal identifying information and incorrect account reporting that do not belong to me or are being reported inaccurately. \nXXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXBalance : {$9300.00} XX/XX/XXXX & XXXX ( Original Creditor : XX/XX/XXXXBalance : {$5900.00} Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Furthermore, I am exercising my right under FCRA XXXX ( a ) to request a full reinvestigation of these entries. If the data furnishers or credit bureaus can not provide verifiable documentation that proves the accuracy and ownership of these accounts, they must be corrected or deleted immediately.","date_sent_to_company":"2025-10-13T09:15:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30316","tags":null,"has_narrative":true,"complaint_id":"16550763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-13T09:15:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am submitting this statement because my credit <em>report</em> reflects inaccurate personal identifying <em>information</em> and incorrect account <em>reporting</em> that do not belong to me or are being <em>reported</em> inaccurately. \nXXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXBalance : {$9300.00} XX/XX/XXXX & XXXX ( Original Creditor : XX/XX/XXXXBalance : {$5900.00} <em>Under</em> <em>FCRA</em> XXXX ( a ) ( XXXX ) ( A ), <em>furnishers</em> of <em>information</em> are prohibited from <em>reporting</em> data they <em>know</em> or should <em>know</em> is inaccurate."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[16.25156,"16550763"]},{"_index":"complaint-public-v1","_id":"17413608","_score":16.248657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a consumer, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA/FECPA ) as follows : FCRA Violations and Consumer Rights FCRA 602 ( A ) Requires fair and accurate credit reporting and prohibits inclusion of inaccurate or unverified information.\n\nFCRA 604 ( a ) ( 2 ) & 604 ( f ) ( 1 ) A hard inquiry requires written, signed consumer authorization. I never provided authorization to the company/entities reporting these inquiries.\n\nFCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum accuracy. Reporting inquiries without proof violates this requirement.\n\nFCRA 609 ( a ) ( 1 ) I have the right to request the full method of authorization, including the signed application or permissible-purpose documentation. No such documentation exists because I never authorized these inquiries.\n\nFCRA 611 ( a ) I am requesting a formal reinvestigation. If the furnisher can not provide written proof of permissible purpose, the CRA must delete the inquiry.\n\nFCRA 615 ( f ) It is illegal for any entity to obtain or use my consumer report without a legitimate permissible purpose.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Data furnishers may not report information they know or should know is inaccurate. Reporting unauthorized inquiries violates this section.\n\nFCRA 623 ( b ) Once a dispute is filed, the furnisher must conduct a reasonable investigation and delete information that can not be verified.\n\nFDCPA/FECPA Protections Although a hard inquiry is not a debt, any attempt by a company to claim I applied for credit when I did not is considered a misrepresentation under : FDCPA 807 ( 2 ) ( A ) Prohibits false representation of the character or legal status of a debt or credit obligation.\n\nFDCPA 813 Provides civil liability for willful or negligent noncompliance.\n\nIf the company claims I authorized the inquiry without producing proof, that constitutes a deceptive practice.\n\nFACTA Identity Theft & Fraud Protections Under FACTA 112, consumers have the right to have fraudulent information blocked from their reports when unauthorized access is suspected.\n\nThese inquiries are unauthorized and therefore fall under identity-theft/fraud protections.\n\nMetro 2 Compliance Requirements Under the Metro 2 Credit Reporting Guidelines, hard inquiries must only be reported if : There is verifiable consumer authorization The furnisher maintains documentation The furnisher can validate the identity and application If the furnisher can not produce the signed credit application or digital authorization logs, the inquiry must be deleted as unverifiable and inaccurate.\n\nI am requesting the CFPB to : Require the furnisher to provide proof of permissible purpose, including the signed application or digital audit trail.\n\nRequire the CRAs to delete any inquiry that can not be fully verified, per FCRA 611 ( a ) ( 5 ).\n\nEnsure the investigation is completed within the required 30-day period or sooner.\n\nHold the furnisher accountable for reporting unauthorized access to my credit file.\n\nConfirm enforcement of FCRA/FDCPA penalties for entities obtaining my report without permission.","date_sent_to_company":"2025-11-22T00:08:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"53222","tags":null,"has_narrative":true,"complaint_id":"17413608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-21T22:56:10.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>FCRA</em> 611 ( a ) I am requesting a formal reinvestigation. If the <em>furnisher</em> can not provide written proof of permissible purpose, the CRA <em>must</em> delete the inquiry.\n\n<em>FCRA</em> 615 ( f ) It is illegal for any entity to obtain or use my consumer <em>report</em> without a legitimate permissible purpose.\n\n<em>FCRA</em> 623 ( a ) ( 1 ) ( A ) Data <em>furnishers</em> may not <em>report</em> <em>information</em> they <em>know</em> or should <em>know</em> is inaccurate. <em>Reporting</em> unauthorized inquiries violates this section."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.248657,"17413608"]},{"_index":"complaint-public-v1","_id":"23454728","_score":16.14848,"_source":{"product":"Debt collection","complaint_what_happened":"I.C. System, Inc. current balance {$220.00}, opened XX/XX/year>. This collection account is being reported in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The collector failed to provide proper debt validation and has not marked the debt as disputed, which violates 15U.S.C.1692e ( 8 ). Under FCRA 611, unverified information must be removed, and furnishers must not report information they know is inaccurate. Please delete this item if the furnisher original ownership/ signed contract can not provide complete verification","date_sent_to_company":"2026-06-22T20:22:27.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"74136","tags":null,"has_narrative":true,"complaint_id":"23454728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-06-22T20:08:47.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This collection account is being <em>reported</em> in violation of the Fair Credit <em>Reporting</em> Act and Fair Debt Collection Practices Act. The collector failed to provide proper debt validation and has not marked the debt as disputed, which violates 15U.S.C.1692e ( 8 ). <em>Under</em> <em>FCRA</em> 611, unverified <em>information</em> <em>must</em> be removed, and <em>furnishers</em> <em>must</em> not <em>report</em> <em>information</em> they <em>know</em> is inaccurate. Please delete this item if the <em>furnisher</em> original ownership/ signed contract can not provide complete verification"],"sub_product":["I do not <em>know</em>"],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[16.14848,"23454728"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":10740,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":10740}]}},"product":{"doc_count":10740,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":8161,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8068},{"key":"Other personal consumer report","doc_count":93}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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