{"took":431,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9980665","_score":17.657375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. \n\nPer the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report.\n\nIf this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.","date_sent_to_company":"2024-09-02T03:06:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32909","tags":null,"has_narrative":true,"complaint_id":"9980665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Garrison Investment Group","date_received":"2024-09-02T03:06:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If this <em>information</em> is not removed from my credit <em>report</em> per the Federal Guidelines I will have no recourse but to sue for damages as this <em>incorrect</em> <em>information</em> not only negatively impacts my scores, but the interest rates of the <em>loans</em> and credits cards in my possession."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[17.657375,"9980665"]},{"_index":"complaint-public-v1","_id":"9980644","_score":17.646502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. \n\nPer the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. \n\nIf this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.","date_sent_to_company":"2024-09-02T03:06:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32909","tags":null,"has_narrative":true,"complaint_id":"9980644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2024-09-02T02:58:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If this <em>information</em> is not removed from my credit <em>report</em> per the Federal Guidelines I will have no recourse but to sue for damages as this <em>incorrect</em> <em>information</em> not only negatively impacts my scores, but the interest rates of the <em>loans</em> and credits cards in my possession."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[17.646502,"9980644"]},{"_index":"complaint-public-v1","_id":"4474243","_score":16.816721,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Todays date : Friday, XX/XX/XXXX XXXX XXXX, XXXX, My XXXX daughters, and I went to XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. I was a customer since XXXX. XXXX XXXX for a XXXX XXXX XXXX XXXX =VIN # XXXX ; Texas plates # XXXX, monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. XXXX XXXX for a XXXX  XXXX XXXX XXXX, VIN # XXXX ; Texas plates # XXXX, and monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. Upon taking the vehicles for their second scheduled maintenance ( about a year later ) on separate days, we discovered that the license plates for the XXXX  XXXX belonged to the blue vehicle and vice versa ( pages 7-8 ). It shed light that XXXX XXXX was really under the blue vehicle, rather than the red, and XXXX XXXX  was really under the red vehicle, rather than the blue. In short, after trying to remedy all the confusing, the finance person who did the paperwork rudely told us to exit his office and stated that it didnt matter if the records/contracts were wrong because the girls were sisters, lived in the same house, and stated that, XXXX XXXX XXXX XXXX was the owner of the vehicles anyway. It was an offensive response. The maintenance reports were eventually changed to reflect XXXX on the XXXX  XXXX ( page 8 ) as known she was the lessee of the red vehicle. After a plethora of evidentiary and well-noted attempts to have XXXX XXXX fix the contracts, I sought the XXXX  to get XXXX XXXX to fix the contracts. XXXX XXXX told me we needed to wait until the leasing maturity date, XXXX XXXX, XXXX, so they s could fix the contracts. I didnt agree, but they remained adamant about their decision. Reasonably, the chaos affected the payments, and theres plenty of record of that. Moving forward XXXX XXXX, XXXX a voicemail from a XXXX XXXX , XXXX coordinator, as he identified himself, left a message stating that on XX/XX/XXXX, XXXX received the last payment of {$390.00} for the ( unspecified ) XXXX. Moving forward XXXX XXXX, XXXX, although we argued and showed using my daughters cell that today was the day we needed to return the vehicles, Sales Manager Mr. XXXX XXXX alleged we were early, alleged that the maturity date was XXXX XXXX, XXXX, trying to contradict our proof. I asked he give it to me in writing, and he handed me a paper. I told Mr. XXXX XXXX, a car salesman who Mr. XXXX XXXX called upon, that he was a witness to what Mr. XXXX XXXX was alleging. Mr. XXXX XXXX added that if we returned the vehicles on this day that we were required to pay roughly about {$550.00} for each car alleging early termination. We were/are in a global pandemic, and Mr. XXXX XXXX refused to call Nissan Infinity/ NMAC ( Nissan Motor Acceptance Corporation ) to verify the maturity date even though we showed him the proof. Nonetheless, Mr. XXXX XXXX stated XXXX would receive a {$300.00} refund for over-payment on the XXXX  XXXX. \nOn a separate occasion from XXXX XXXX, XXXX, Nissan Infinity/NMAC verified both accounts were complete, in good standing, and that XXXX would receive a {$300.00} refund through the mail for overpaying on the XXXX  XXXX. Moving forward XXXX XXXX, XXXX, a XXXX XXXX application for the red XXXX XXXX XXXX was drawn up. Mr. XXXX XXXX placed my name as if I wanted to be the buyer, which I was not in agreement. Why not use the real lessees name to sell her the vehicle she had been paying for? Frustrated and stressed, I questioned Mr. XXXX XXXX why he was also changing the mileage- XXXX difference between the XXXX and the XXXX  XXXX application. His response was far-fetched, so I requested he give me a copy with his original signature on it. I also questioned why he didnt write the truth that XXXX complied having the red vehicle for 3 years, as he wrote 2 years and 11 months, and suggesting on the XXXX XXXX application that the XXXX  XXXX was being sold from the lot when it wasnt. It is reasonable to state that Mr. XXXX XXXX wanted to continue alleging XXXX returned the red lease a month early. He did not want to fix the records that XXXX had been the lessee all the while. XXXX XXXX had previously alleged they would fix the contracts upon the maturity date, XXXX XXXX, XXXX, but they didnt. \nXXXX XXXX, XXXX, other management in the front office with another salesman, and XXXX XXXX re-appraised the blue XXXX XXXX for the second time since XXXX XXXX, XXXX ( Residual Value {$10.00}, XXXX, page 7 ). This management also went along with the charade that the maturity date was XXXX XXXX, XXXX ( compare page 7 with 9 ), and alleged an early termination fee of exactly {$540.00} ( page 7 ). Although the document shows XXXXs name on it, they didnt direct their dialogue to her, as known, XXXX was not the real lessee of the XXXX  XXXX XXXX as alleged on their XXXX lease contract that they were supposed to fix no later than XXXX XXXX, XXXX. On this same evening, Mr. XXXX XXXX approached me outside of the building. He became very aggressive and spoke irrationally. Not only did Mr. XXXX state that the XXXX  XXXX application had not been processed/submitted, he alleged very alarmingly that XXXX XXXX was going to repossess the XXXX  XXXX. He said a tow-truck would be picking up the vehicle from my home. To end his dialogue, I told Mr. XXXX to cancel the unprocessed XXXX XXXX application ( this harassment was a breaking point ) and that I would deliver the XXXX myself. I assured him there was no need for a tow-truck. Ultimately, at the end of this late evening, XXXX XXXX management and the other salesperson had no other option but to honestly accept the XXXX  XXXX XXXX on this day. After leaving, I called my then XXXX XXXX  ( about XXXX XXXX and spoke to a XXXX XXXX ) to remove the XXXX XXXX and my daughter, XXXX, from the policy. The XXXX calls are recorded for quality assurance. ( Note : I did not allegedly go and just toss the keys to any vehicle as later alleged by Mr. XXXX in an email. Note : Email of XX/XX/XXXX : 5 months later ) XXXX XXXX, XXXX, Per the XXXX XXXX website itself, no loan application. \nXX/XX/XXXXXX/XX/XXXX, Still, as of latter of XXXX XXXX, XXXX, no loan application appeared. XXXX XXXX people, management, and including Mr. XXXX re-verified ( and in writing ) that no XXXX XXXX, XXXX, XXXX XXXX contract was in place. XXXX XXXX management had the XXXX  XXXX in their possession by this time, but Mr. XXXX desperately kept texting on XXXX XXXX, XXXX. He texted asserting they were going to drop off the vehicle at my home. I told him he was not allowed on my property. He wrote back, I will leave it by the curb. He claimed his manager was aware. I advised I would not be responsible, that it would be an abandoned vehicle, that XXXX XXXX had inspected the vehicles and had possession of them, Nissan Infinity was aware we would return the vehicles at XXXX XXXX, that XXXX XXXX, XXXX was the real maturity date, that they were trying to force sales upon us, that the next day was the XXXX -the date they were trying to allege the cars were due when they know that not to be true, that I would call the news and show them the paper work and how the license plates were changed, that the mileage was being reported incorrectly, that we had the cars for XXXX years yet they were not reporting that, that they had too many lies, and finally that we paid with great sacrifice, that it wasnt cheap, and now that they were trying to take advantage of us. Mr. XXXX did not respond to my text message after that. \nThereafter, I kept receiving letters ( more than once ) alleging that I had not returned the vehicles or anything of the matter. I called Nissan Infinity/NMAC and they said XXXX XXXX had yet to report on the leases. My emails to XXXX XXXX and affiliates questioning the vehicles went ignored. Reasonably, the stressful situation was not conducive to my well-being. \nXXXX XXXX, XXXX Mr. XXXX XXXX XXXX XXXX , from finance, texted to please call him. \nXXXX XXXX, XXXX I returned his text message with an email. He responded through text, Is this the same email you sent to XXXX XXXX, one of the Sales managers at XXXX XXXX? I confirmed stating I needed answers to my questions. Mr. XXXX XXXX XXXX texted he would get back to me, but he did not. \nXXXX XXXX, XXXX a XXXX XXXX car loan appeared on my credit report. Overwhelmed and stunned, I emailed again to no avail. The following shows one of the emails I sent. \n\n-- -- -- -- From : XXXX ( XXXX ) To : XXXX ; XXXX ; XXXX ; XXXX Date : Tuesday, XX/XX/XXXX, XXXX XXXX MST I still see the XXXX XXXX XXXX XXXX on my credit report. You are still trying to force a sale. Send me what you sent XXXX XXXX demonstrating the date. I have the right to know. In addition, I have yet to receive the answers to the previous emails I sent you all of which I am entitled to receive since you reported that on my credit report. On XX/XX/XXXX, I told Mr. XXXX XXXX in person to cancel the contract as he became very aggressive. On XX/XX/XXXX, my daughter and I made it known to Mr. XXXX XXXX to cancel/ void the contract of XX/XX/XXXX. Mr. XXXX responded there was no contract to cancel. Send me the information that I requested. I am requesting arbitration before you steal the vehicle as I feel that is what you are trying to do. I received several messages that we have not turned in the vehicles when we had, etc ... that is why I sent my emails. I also have video that we did turn in the vehicles in case you try to allege that I kept them. You have video as well, as the business has surveillance. Send the requested information. In addition, if all is legal, you will not object to sending me what I previously requested from Nissan Motor Corporation that answered you all have that information. \n\nA copy of the records in entirety as follows : 1. Showing the leasing status of both vehicles as of XX/XX/XXXX 2. Showing the leasing status of both vehicles as of XX/XX/XXXX 3. Showing the leasing status of both vehicles as of XX/XX/XXXX 4. Showing the leasing status of both vehicles as of XX/XX/XXXX 5. Showing the leasing status of both vehicles as of XX/XX/XXXX 6. Showing the leasing status of both vehicles as of XX/XX/XXXX 7. Showing the leasing status of both vehicles as of XX/XX/XXXX 8. Showing the leasing status of both vehicles as of XX/XX/XXXX 9. Showing the leasing status of both vehicles as of XX/XX/XXXX 10. Showing the leasing status of both vehicles as of XX/XX/XXXX 11. Showing the leasing status of both vehicles after XX/XX/XXXX to the present. \n12. Showing when XXXX XXXX reported having received/ possession of the leased vehicles with the mileage of each respectively. \n\nYou should be able to send me this information today. \nXXXX XXXX -- -- -- -- -- My emails went unanswered. I continued to get letters that we had yet to return the vehicles when XXXX XXXX already had the vehicles in their possession. The situation took a stronger toll on my health. I decided to finally file a report with the XXXX XXXX XXXX to find some type of relief. \n\nXX/XX/XXXX, I submitted my complaint to the local XXXX XXXX XXXX reference XXXX XXXX : inaccurate credit reports, an unwarranted car loan application ( XXXX  XXXX ) forced by XXXX XXXX, and stemming from our loan experience dealing with two XXXX XXXX XXXX leases from XXXX XXXX, XXXX wherein they never corrected their XXXX contracts at the end of the maturity date, XX/XX/XXXX, like they said they would. XXXX XXXX representatives responded, Respondent agrees that Consumer is being reasonable and fair, and the Company desires to resolve this as soon as possible to relieve the stress of this transaction and make things right. To finally accept, I replied to their responses as follows, In light of everything, the following five items deserve merit : 1 ). Respondent will request that the credit reporting agencies remove the inquiry submitted to XXXX XXXX that is currently showing on the Consumer 's and her daughter 's credit reports- Yes, remove all inquiries from my credit report and my daughter XXXX credit reports ; ( 2 ). Respondent will unwind the refinance/purchase that took place in XXXX I do not know what unwind means in financial terms, and I do not want to assume. What I understand is yes, remove the XXXX XXXX application/contract as no loan should appear whatsoever ; ( 3 ). Respondent will ground the two leased vehicles and complete the return process- I do not know what ground means, but yes, the two leased vehicles were turned in a long time ago, in good condition, and I want a copy that the return process is complete on both leased vehicles ; ( 4 ). Respondent should remove all negative claiming late payments from the credit reports in entirety from both of my daughters ( XXXX  and XXXX  ) to include myself. It should reflect as good standing. In support as to why all this negative should be removed from our reports is that I did not receive the following records as I requested on several occasions which are very pertinent and the nucleus above all. As Mr. XXXX wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction. \n\nI concluded that since Mr. XXXX kindly wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction that I was accepting. XXXX XXXX accepted my final resolution as on the XXXX  report illustrates, no rebuttal to my final more than reasonable resolution. \n\nXX/XX/XXXX, Mr. XXXX XXXX, XXXX XXXX Director, wrote, \" We are working to get you all the information you are requesting, my question is if you still wanted to keep the loan on the refi of the XXXX with XXXX XXXX or did you want me to call them and reverse the contract. I want to fix everything for you as soon as possible. I wrote back that there shouldnt be any loan whatsoever on our credit reports as we were completely done. \nXX/XX/XXXX I wrote to Mr. XXXX, Mr. XXXX, and Mr. XXXX as I had not heard or seen any results. I reiterated Mr. XXXX email and questioned if anyone had already called XXXX XXXX to reverse it. I also informed that my daughter had yet to receive her {$300.00} refund, questioned the status on the credit reports, and that Id appreciate they stop the marketing messages as I wasnt buying anything. \nXX/XX/XXXX, Mr. XXXX replied that the check was on its way, that hed look into the marketing, and wrote, We are working on the credit report correction and alleged he needed 2 pieces of proof of residence from me and my daughter. Baffled since it didnt make sense, I inquired with people who are very familiar with the credit reporting business ; more than one verified that the unusual request was not necessary to pursue the removal of inquiries and potential negative information as the deeds were done. They questioned, How did they report you three to the credit bureaus to begin with if they want to go that illogical route? As a result, I responded to Mr. XXXX that no more information was needed as how did XXXX XXXX do it to begin with? Why ask for more to undo whats been done already? I rationally requested Mr. XXXX to reveal what was he saying, and who he was talking to that was requesting now additional like utility bills and other photos. I questioned how that was contingent to correcting what was already done. \nRather than answer my valid questions to reach the end goal, Mr. XXXX surprised me with a distressed response that one of his managers alleged I just walked into XXXX XXXX and tossed the keys. Reasonably, I requested to know which manager made such allegation with date and time, but Mr. XXXX response kept going another direction. I still deserved an explicit explanation as to how utility bills and photos were contingent to undo what was already done. Ultimately, I still sent my residence verification statement to try to reach the end goal stating that yes, my XXXX daughters and I used to live at XXXX XXXX # XXXX, XXXX XXXX, Texas XXXX, for many years, a long time ago, that nobody else lived with us, and we never lived on XXXX XXXX either. It is obvious we no longer lived there ( as they know ). I was a XXXX XXXX customer since XXXX. I financed a brand new XXXX XXXX XXXX through Nissan Infinity/ NMAC . After paying off the XXXX, my daughters and I were able to finance the two brand new XXXX XXXX XXXX through them as well. XXXX XXXX reviewed our information again on XXXX XXXX, XXXX and on XXXX XXXX, XXXX, to include updating references. \nIn summary, XXXX XXXX did agree to my final resolution which was extremely more than reasonable, but they did not live up to the reasonable expectations/resolution ; the result was not and is not to our satisfaction. They only complied with one item -the {$300.00} refund for the XXXX  XXXX. It was sent through certified mail. It arrived and was cashed without providing any type of utility bills and/or other photos ( page 10 ) -the idea is illogical. The XXXX XXXX  was not removed. Our credit reports are still being affected, as they did not remove the alleged XXXX XXXX late payments/ potentially negative information/ alleging collections. They continue to report XXXX as still owing a last monthly payment that seems to indicate for the XXXX XXXX and that I allegedly owe {$78.00} that seems to indicate for the XXXX XXXX, but it is unverifiable. We do not owe anything, most especially as XXXX XXXX kept changing records to their advantage, they did not fix the XXXX contracts like they claimed they would do no later than XX/XX/XXXX which they never did not to mention driving around with the wrong plates, no proper credit reporting as it is unverifiable, they tried to allege a different maturity date to force sales and evade from correcting the XXXX contracts, letters claiming that the vehicles had not been returned when they already had, and making such claims during a pandemic time, the unwarranted car loan application with inconsistencies, too many things. Had we owed, they would not have refunded the {$300.00}, among other things. When I requested their history of the XXXX car payments, they did not send an official registry. They sent an XXXX spreadsheet on white typing paper without the pertinent information that belongs in a financial registry. Attaching a copy of an uncorrected XXXX contract is not verification in many ways like I wrote back informing them. That is not acceptable. In summary, there are no genuine issues of material fact herein. \nRespectfully speaking, I am not an attorney like Mr. XXXX, and I am not claiming to be one. I am a consumer and a parent looking after/advocating for my XXXX daughters, myself, and other consumers who may fall prey to such business practices. XXXX XXXX needs to answer the following questions for transparency as well. I am requesting they not imply by attaching a copy of the contracts they needed to fix no later than XX/XX/XXXX to begin with, which they created to become not lessee verifiable either : A. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. \nB. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that my daughter XXXX supposedly owes one last payment? Respectively, state the Vin # next to the vehicle color for transparency and to avoid any possible misrepresentations. Include the alleged amount. \nC. ) Evidence shows XXXX XXXX and its affiliates are using/used XXXX and XXXXs credit for both XXXX Sentras. XXXX XXXX needs to show and explicitly state what they are using to do/done this. \nD. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. \nE. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that I, XXXX, was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations.\n\nF. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that XXXX XXXX, supposedly owe {$78.00}? Respectively, state the Vin # next to the vehicle color with the date for transparency and to avoid any possible misrepresentations. \nG. ) Please state the purpose for the {$300.00} refund. Which vehicle or vehicles is/are CXXXX XXXX and its affiliates reporting that money under. Respectively, state the Vin # next to the vehicle color with the reason for transparency and to avoid any possible misrepresentations. \nH. ) Please provide the complete and official financial registries for both XXXX Sentras without editing and having the pertinent information identifying both vehicles respectively. Each registry should contain the respective names, the account number ( s ) associated with the respective vehicle ( s ), the vehicle information such as the respective make/model and Vin number ( s ), the color identifying the vehicle, the amounts, and dates. It needs to be transparent and to avoid any possible misinterpretations. A copy of the XXXX lessee contracts are not valid, not verifiable, as they were not fixed no later than XX/XX/XXXX to begin with. They are not lessee verifiable either as they placed/switched the names ( wrong ) on the contracts.","date_sent_to_company":"2021-07-22T19:44:15.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"4474243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2021-06-18T11:11:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Showing the <em>leasing</em> status of both <em>vehicles</em> as of XX/XX/XXXX 6. Showing the <em>leasing</em> status of both <em>vehicles</em> as of XX/XX/XXXX 7. Showing the <em>leasing</em> status of both <em>vehicles</em> as of XX/XX/XXXX 8. Showing the <em>leasing</em> status of both <em>vehicles</em> as of XX/XX/XXXX 9. Showing the <em>leasing</em> status of both <em>vehicles</em> as of XX/XX/XXXX 10. Showing the <em>leasing</em> status of both <em>vehicles</em> as of XX/XX/XXXX 11. Showing the <em>leasing</em> status of both <em>vehicles</em> after XX/XX/XXXX to the present. \n12."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[16.816721,"4474243"]},{"_index":"complaint-public-v1","_id":"5271138","_score":16.537605,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Background : purchased vehicle XX/XX/XXXX ; loan from XXXX XXXX. Address on original lease agreement was entered ( by dealer ) incorrectly. XXXX mailed Welcome Letter with account information ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times. I tried several times to obtain account information with XXXX and my car dealer ; was told each time I would get that information mailed to me. \n\nI was finally able to get the account number and register online and set up autopay. However, XXXX notified 2 credit reporting agencies of a 30 day late payment for two different months ; one was never notified. \n\nTransunion : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Unknown ( data ) I disputed this several times and was told the information was reported accurately ; however, the above information differs between credit reporting agencies and is not consistent. \n\nI attempted to resolve this with the XXXX and provided proof that the address used by XXXX was incorrect. They continued to say the reporting was accurate, ignoring any goodwill. They misstated that they used the correct address, adjusting their letters once I informed them of the correct delivery address ; they continue to maintain they used the correct address and said that nothing was returned to them as undelivered. In fact their first letter in response to my complaint had the incorrect address. XXXX made a simple clerical error, or the dealer did, and I addressed it as soon as I was aware of it but XXXX was unwilling to show any good faith in me as a customer and make a change to my credit files, something they have the absolute power to do. \n\nSince resolving the issue of the account number, my payments were made by auto payment and I sold the vehicle and the account was closed in XX/XX/XXXX. This negative mark, caused by their dealers error, has caused significant negative damage to my credit. \n\nPlease note the letter from XXXX dated XX/XX/XXXX shows my correct address at the time. The letter states : \" Our records indicate, a Welcome Letter and first billing statement were mailed to your address of record being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have included copies of both documents for your review along with a copy of the Lease Agreement and account payment history. '' Also attached is the original Welcome Letter dated XX/XX/XXXX - please note the address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( missing is the calling out \" XXXX XXXX which is vital to delivery, unfortunately, but included in their letter from XX/XX/XXXX, falsely stating they sent it to the correct address. \n\nA second letter dated XX/XX/XXXX states the Welcome Letter was sent to the address on record listed on the Lease Agreement ( attached- please note the address ) ; however, the lease agreement address is incorrect, as entered by the original dealer. The letter states that \" numerous attempts were also made to contact you via telephone at ( XXXX ) XXXX ; however, were unsuccessful. '' This statement is troubling because since XX/XX/XXXX, I have 2 calls from XXXX XXXX and 1 message, and that was in response to my complaint in XXXX. \n\nAlso attached is a request for assistance letter dated XX/XX/XXXX to my Congressional Representative asking to assist in the issue with mail delivery. Specifically noted : \" USPS is not delivering our mail ; claims the address is unacceptable ; USPS has said they do not like that our unit number is more than 3 digits long. '' It took almost two years to have our mail delivery situation corrected. \n\nXXXX has not responded to any communications from me since XX/XX/XXXX.","date_sent_to_company":"2022-02-28T22:54:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"5271138","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-28T22:54:10.000Z","state":"SD","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":["Background : purchased <em>vehicle</em> XX/XX/XXXX ; <em>loan</em> from XXXX XXXX. Address on original <em>lease</em> agreement was entered ( by dealer ) <em>incorrectly</em>. XXXX mailed Welcome Letter with account <em>information</em> ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[16.537605,"5271138"]},{"_index":"complaint-public-v1","_id":"5271088","_score":16.523418,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Background : purchased vehicle XX/XX/XXXX ; loan from XXXX XXXX. Address on original lease agreement was entered ( by dealer ) incorrectly. XXXX mailed Welcome Letter with account information ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times. I tried several times to obtain account information with XXXX and my car dealer ; was told each time I would get that information mailed to me. \n\nI was finally able to get the account number and register online and set up autopay. However, XXXX notified 2 credit reporting agencies of a 30 day late payment for two different months ; one was never notified. \n\nXXXX : XX/XX/XXXX - Late 30 Days Experian : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Unknown ( data ) I disputed this several times and was told the information was reported accurately ; however, the above information differs between credit reporting agencies and is not consistent. \n\nI attempted to resolve this with the XXXX  and provided proof that the address used by XXXX was incorrect. They continued to say the reporting was accurate, ignoring any goodwill. They misstated that they used the correct address, adjusting their letters once I informed them of the correct delivery address ; they continue to maintain they used the correct address and said that nothing was returned to them as undelivered. In fact their first letter in response to my complaint had the incorrect address. XXXX made a simple clerical error, or the dealer did, and I addressed it as soon as I was aware of it but XXXX was unwilling to show any good faith in me as a customer and make a change to my credit files, something they have the absolute power to do. \n\nSince resolving the issue of the account number, my payments were made by auto payment and I sold the vehicle and the account was closed in XX/XX/XXXX. This negative mark, caused by their dealers error, has caused significant negative damage to my credit. \n\nPlease note the letter from XXXX dated XX/XX/XXXX shows my correct address at the time. The letter states : \" Our records indicate, a Welcome Letter and first billing statement were mailed to your address of record being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have included copies of both documents for your review along with a copy of the Lease Agreement and account payment history. '' Also attached is the original Welcome Letter dated XX/XX/XXXX - please note the address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( missing is the calling out \" XXXX XXXX which is vital to delivery, unfortunately, but included in their letter from XX/XX/XXXX, falsely stating they sent it to the correct address. \n\nA second letter dated XX/XX/XXXX states the Welcome Letter was sent to the address on record listed on the Lease Agreement ( attached- please note the address ) ; however, the lease agreement address is incorrect, as entered by the original dealer. The letter states that \" numerous attempts were also made to contact you via telephone at ( XXXX ) XXXX ; however, were unsuccessful. '' This statement is troubling because since XX/XX/XXXX, I have 2 calls from XXXX XXXX and 1 message, and that was in response to my complaint in XXXX. \n\nAlso attached is a request for assistance letter dated XX/XX/XXXX to my Congressional Representative asking to assist in the issue with mail delivery. Specifically noted : \" USPS is not delivering our mail ; claims the address is unacceptable ; USPS has said they do not like that our unit number is more than 3 digits long. '' It took almost two years to have our mail delivery situation corrected. \n\nXXXX has not responded to any communications from me since XX/XX/XXXX.","date_sent_to_company":"2022-02-28T22:54:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"5271088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-28T22:54:10.000Z","state":"SD","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":["Background : purchased <em>vehicle</em> XX/XX/XXXX ; <em>loan</em> from XXXX XXXX. Address on original <em>lease</em> agreement was entered ( by dealer ) <em>incorrectly</em>. XXXX mailed Welcome Letter with account <em>information</em> ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times."],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[16.523418,"5271088"]},{"_index":"complaint-public-v1","_id":"5271085","_score":16.523418,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Background : purchased vehicle XX/XX/XXXX ; loan from GM Financial. Address on original lease agreement was entered ( by dealer ) incorrectly. XXXX mailed Welcome Letter with account information ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times. I tried several times to obtain account information with XXXX and my car dealer ; was told each time I would get that information mailed to me. \n\nI was finally able to get the account number and register online and set up autopay. However, XXXX notified 2 credit reporting agencies of a 30 day late payment for two different months ; one was never notified. \n\nXXXX : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Unknown ( data ) I disputed this several times and was told the information was reported accurately ; however, the above information differs between credit reporting agencies and is not consistent. \n\nI attempted to resolve this with the XXXX and provided proof that the address used by XXXX was incorrect. They continued to say the reporting was accurate, ignoring any goodwill. They misstated that they used the correct address, adjusting their letters once I informed them of the correct delivery address ; they continue to maintain they used the correct address and said that nothing was returned to them as undelivered. In fact their first letter in response to my complaint had the incorrect address. XXXX made a simple clerical error, or the dealer did, and I addressed it as soon as I was aware of it but XXXX was unwilling to show any good faith in me as a customer and make a change to my credit files, something they have the absolute power to do. \n\nSince resolving the issue of the account number, my payments were made by auto payment and I sold the vehicle and the account was closed in XX/XX/XXXX. This negative mark, caused by their dealers error, has caused significant negative damage to my credit. \n\nPlease note the letter from XXXX dated XX/XX/XXXX shows my correct address at the time. The letter states : \" Our records indicate, a Welcome Letter and first billing statement were mailed to your address of record being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have included copies of both documents for your review along with a copy of the Lease Agreement and account payment history. '' Also attached is the original Welcome Letter dated XX/XX/XXXX - please note the address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( missing is the calling out \" XXXX XXXX which is vital to delivery, unfortunately, but included in their letter from XX/XX/XXXX, falsely stating they sent it to the correct address. \n\nA second letter dated XX/XX/XXXX states the Welcome Letter was sent to the address on record listed on the Lease Agreement ( attached- please note the address ) ; however, the lease agreement address is incorrect, as entered by the original dealer. The letter states that \" numerous attempts were also made to contact you via telephone at ( XXXX ) XXXX ; however, were unsuccessful. '' This statement is troubling because since XX/XX/XXXX, I have 2 calls from GM Financial and 1 message, and that was in response to my complaint in XXXX. \n\nAlso attached is a request for assistance letter dated XX/XX/XXXX to my Congressional Representative asking to assist in the issue with mail delivery. Specifically noted : \" USPS is not delivering our mail ; claims the address is unacceptable ; USPS has said they do not like that our unit number is more than 3 digits long. '' It took almost two years to have our mail delivery situation corrected. \n\nXXXX has not responded to any communications from me since XX/XX/XXXX.","date_sent_to_company":"2022-02-28T22:54:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"5271085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2022-02-28T22:09:50.000Z","state":"SD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Background : purchased <em>vehicle</em> XX/XX/XXXX ; <em>loan</em> from GM Financial. Address on original <em>lease</em> agreement was entered ( by dealer ) <em>incorrectly</em>. XXXX mailed Welcome Letter with account <em>information</em> ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[16.523418,"5271085"]},{"_index":"complaint-public-v1","_id":"11876256","_score":16.044134,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On the record, for the record. \nPRIOR COMPLAINTS : XXXX XXXX Dear, Toyota Financial Services & Toyota Motor Credit Corporation Thank you for your prompt response. We appreciate your attempt to disregard and close this case, However, your response fails to address critical issues and highlights negligence on your part. Thus why we respectfully decline you're closure request... \n\nXXXX. Extension Agreement Discrepancy : While your response now confirms the extension applied for XXXX and XXXX, this contradicts the information provided by a manager and employee, who repeatedly claimed and strongly insisted on a recorded call that the extension agreement applied for XXXX and XXXX, and/or XXXX and XXXX. This inconsistency reflects a lack of due diligence and highlights deceptive practices from TFS.\n\n2.In your response you acknowledged that my next payment date was scheduled for XX/XX/XXXX after applying the extension agreement, however, you're records failed to properly reflect the total amount due if you were to correctly calculate all the payments made from XX/XX/XXXX until XX/XX/XXXX, the total doesn't match your records, not including the payment made in XX/XX/XXXX. \n\n3. Negligence and Lack of Compliance : Your acknowledgment of conflicting information from your employees in your response is an admission of negligence. This failure to maintain accurate records is a violation of fair business practices, and factually showes TFS acknowledgement to neglient and deceptive practices within there department. \n\n\n4. Inaccurate Reporting : TFS failure to properly apply and reflect payments, and there disregard to properly investigate complaints, directly correlates to there ongoing inaccurate reporting. In XXXX Toyota Motor Credit was fined $ XXXX for falsely reporting customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. Toyota Motor Credit also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate. These practices still continue till this day, as XXXX admitted to the months XXXX and XXXX of XXXX being covered by the extension Agreement, but also admitted to there neglience and disregard to act fairly, by directly choosing NOT to notify the CRAs of the changes on my account, which infact harmed my credit report, my emotional wellbeing and my personal life. These facts futher show that TFS still has unreasonable policies and procedures in XXXX. \nTFS also failed to state why XX/XX/XXXX was reported as late payment to CRAs. \n\n5. Unaddressed Concerns : Your response fails to explain why a return payment of {$1300.00} was labeled as as a \" Return fee '' and not \" return payment '' or why my transaction history and billing statements do not match. \n\n6. The retail installment agreement contract fails to clearly state or notify me of a daily per diem interest of {$2.00}. This overcharge of daily interest is unlawful and violates the truth and lending act. \n\n7.In my contract was included the bundle of \" XXXX XXXX XXXX XXXX XXXX which cost {$2400.00}, which Toyota deceptively included in the total finance charge. They failed to refund me the full amount, failed to refund me directly, applied the refund to the following months, then overcharged me in interest for the payment instead if applying it towards the principle and failed to adjust the monthly payments moving forward. \nIn XXXX the CFPB ordered Toyota Motor Credit Corporation to pay {$60.00} million in consumer redress and penalties for operating an illegal scheme to prevent borrowers from cancelling product bundles that increased their monthly car loan payments. The company withheld refunds or refunded incorrect amounts on the bundled products and knowingly tarnished consumers credit reports with false information. \nThe cost of the bundled products, financed by Toyota Motor Credit, averaged between {$700.00} and {$2500.00} per loan. Including these products in a vehicle sale or lease can significantly increase the loan amount, monthly payment, and finance charge. Toyota Motor Credit profits from the sale of these products by collecting more finance charges on the increased loan amount. \n\nThousands of consumers complained to Toyota Motor Credit that dealers had lied about whether these products were mandatory, included them on contracts without the borrowers knowledge, or rushed through paperwork to hide buried terms. Nevertheless, Toyota Motor Credit devised a scheme to retain the revenue from these products by making it extremely cumbersome to cancel, and then failed to provide proper refunds for consumers who succeeded in cancelling. The company also falsely told consumer reporting companies that borrowers had missed payments, and it failed to correct consumer reporting errors it knew were wrong. \nToyota Motor Credits actions violated the Consumer Financial Protection Acts prohibition against unfair and abusive acts and practices, as well as the Fair Credit Reporting Act and its implementing regulation.Toyota Motor Credit prevented many consumers from cancelling product bundles by making the process unreasonably difficult. Consumers who wanted to cancel over the phone were directed to a retention hotline operated by employees whose primary objective was to dissuade such cancellations. Between XXXX and XXXX alone, Toyota Motor Credit funneled more than XXXX consumer calls through this hotline. Representatives on the hotline were instructed to keep promoting the products until a consumer had verbally requested to cancel three times, at which point the representatives would tell the consumer that it was only possible to cancel by submitting a written request. Instead of issuing a refund check or lowering the monthly payment amount upon a consumers cancellation of bundled products, Toyota Motor Credit applied the refund amount as an additional payment toward principal, reducing the number of monthly payments. Applying the refund in this way effectively delayed the return of the consumers money until the end of the sale or lease agreement term. The company used this fact to discourage cancellations, telling consumers on the retention hotline that their monthly payments would not decrease and that they would not receive direct refunds. Toyota Motor Credit failed to refund prepaid GAP and CLAH premiums to consumers who paid off the loan or ended the lease before the end of the contract. Toyota Motor Credit also relied on faulty calculations which resulted in incorrect refunds for consumers who canceled their vehicle service agreements.\n\n8.Given Toyota Financial Services ' ongoing negligence and deceptive practices, which violate the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau XXXX CFPB ) regulations, and the Truth in Lending Act, I find it difficult to trust your judgment in handling this matter. Therefore, I request full involvement from the CFPB to ensure compliance and equitable resolution. It's crucial that these violations are addressed transparently and fairly. \n\n\n\n9.I am extending Toyota Financial Services the opportunity to resolve this matter in good faith by conducting a thorough investigation, implementing the necessary corrective measures, and engaging in meaningful discussions to reach a fair settlement. This is your chance to demonstrate accountability and compliance with applicable laws and ethical business practices. I expect a clear, detailed response outlining the steps you will take to rectify these issues, along with a timeline for resolution. Should you fail to address these concerns adequately, I will have no choice but to pursue all available legal and regulatory remedies to ensure full accountability. '' 10. BILLING ERROR. \n\nXXXXXXXX XXXX XXXXXXXX","date_sent_to_company":"2025-01-31T19:03:49.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"02121","tags":null,"has_narrative":true,"complaint_id":"11876256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-01-31T18:43:27.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["In XXXX Toyota Motor Credit was fined $ XXXX for falsely <em>reporting</em> customer accounts as delinquent for failure to make monthly account payments even though customers had already returned <em>leased</em> <em>vehicles</em>, and the company did not promptly correct the negative <em>information</em> it had sent to consumer <em>reporting</em> companies even though it knew it was wrong."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[16.044134,"11876256"]},{"_index":"complaint-public-v1","_id":"12888059","_score":15.642495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. Since XX/XX/year>, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX section of the AMEX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. \n\nXXXX. On the same day, I contacted AMEX to investigate the issue. I was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto loan with XXXX. It is true that we had a vehicle lease with XXXX that was terminated early due to a total loss of the vehicle. However, after contacting XXXX, we were clearly told that they did not report any negative credit information as a result of the contract termination. \n\nXXXX. We then contacted XXXX directly. They found no record of any late payment entry on my personal credit file. \n\nXXXX. Despite this, AMEXs XXXX XXXX continues to display a late payment record attributed to XXXX. This discrepancy has gone unresolved and continues to harm my credit standing. \n\nXXXX. Since XX/XX/XXXX, I have reached out to AMEX, XXXX, and XXXX numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto XXXX another, leaving me to suffer the consequences of a mistake that no one is willing to fix. \n\nXXXX. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. \n\nI am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.","date_sent_to_company":"2025-04-08T18:57:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91770","tags":null,"has_narrative":true,"complaint_id":"12888059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-08T18:57:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto <em>loan</em> with XXXX. It is true that we had a <em>vehicle</em> <em>lease</em> with XXXX that was terminated early due to a total loss of the <em>vehicle</em>. However, after contacting XXXX, we were clearly told that they did not <em>report</em> any negative credit <em>information</em> as a result of the contract termination. \n\nXXXX. We then contacted XXXX directly."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[15.642495,"12888059"]},{"_index":"complaint-public-v1","_id":"12888095","_score":15.623497,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. Since XX/XX/year>, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX section of the XXXX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. \n\nXXXX. On the same day, I contacted XXXX to investigate the issue. I was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto loan with Stellantis. It is true that we had a vehicle lease with Stellantis that was terminated early due to a total loss of the vehicle. However, after contacting Stellantis, we were clearly told that they did not report any negative credit information as a result of the contract termination. \n\nXXXX. We then contacted XXXX directly. They found no record of any late payment entry on my personal credit file. \n\nXXXX. Despite this, XXXX XXXXXXXX XXXX continues to display a late payment record attributed to XXXX. This discrepancy has gone unresolved and continues to harm my credit standing. \n\nXXXX. Since XX/XX/XXXX, I have reached out to XXXX, XXXX, and Stellantis numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto XXXX another, leaving me to suffer the consequences of a mistake that no one is willing to fix. \n\nXXXX. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. \n\nI am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.","date_sent_to_company":"2025-04-08T18:57:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91770","tags":null,"has_narrative":true,"complaint_id":"12888095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Stellantis Financial Services US Corp.","date_received":"2025-04-08T18:57:01.000Z","state":"CA","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 was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto <em>loan</em> with Stellantis. It is true that we had a <em>vehicle</em> <em>lease</em> with Stellantis that was terminated early due to a total loss of the <em>vehicle</em>. However, after contacting Stellantis, we were clearly told that they did not <em>report</em> any negative credit <em>information</em> as a result of the contract termination. \n\nXXXX. We then contacted XXXX directly."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[15.623497,"12888095"]},{"_index":"complaint-public-v1","_id":"12872576","_score":15.620095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. Since XX/XX/2025, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX  section of the XXXX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. \n\nXXXX. On the same day, I contacted XXXX to investigate the issue. I was informed that the late payment record was provided by Experian and was allegedly related to an early termination of an auto loan with XXXX. It is true that we had a vehicle lease with XXXX that was terminated early due to a total loss of the vehicle. However, after contacting XXXX, we were clearly told that they did not report any negative credit information as a result of the contract termination. \n\nXXXX. We then contacted Experian directly. They found no record of any late payment entry on my personal credit file. \n\nXXXX. Despite this, XXXX XXXXXXXX XXXX continues to display a late payment record attributed to Experian. This discrepancy has gone unresolved and continues to harm my credit standing. \n\nXXXX. Since XX/XX/XXXX, I have reached out to XXXX, Experian, and XXXX numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto one another, leaving me to suffer the consequences of a mistake that no one is willing to fix.\n\n6. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. \n\nI am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.","date_sent_to_company":"2025-04-08T18:57:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91770","tags":null,"has_narrative":true,"complaint_id":"12872576","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-08T18:19:21.000Z","state":"CA","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 was informed that the late payment record was provided by Experian and was allegedly related to an early termination of an auto <em>loan</em> with XXXX. It is true that we had a <em>vehicle</em> <em>lease</em> with XXXX that was terminated early due to a total loss of the <em>vehicle</em>. However, after contacting XXXX, we were clearly told that they did not <em>report</em> any negative credit <em>information</em> as a result of the contract termination. \n\nXXXX. We then contacted Experian directly."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[15.620095,"12872576"]},{"_index":"complaint-public-v1","_id":"7549602","_score":15.340471,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Capital One Auto Finance does not require proof of identity to approve and disburse funds for auto loans. All you need is your information and a signature. However, in order to prove a loan is fraudulent, they require a notarized affidavit, police report with account number or vin as well as a copy of your drivers license and social security card. Ironic, dont you think? \n\nOn XX/XX/XXXX I received a phone call for a credit card application through capital one that I did not apply for. I called and told them I did not apply for a credit card with them. I have a credit card with capital one already. When I went on my capital one app on XX/XX/XXXX, there was a notification at the top that said click here to link auto loan. Uhm, what?! I called back to question this supposed auto loan and they have to transfer me to a different department. \n\nThe gentleman that I spoke with argued with me, saying maybe they didnt respond in a timely manner with an interest rate proposal and I cut him off and said absolutely not. I knew the vehicle in question, was my husbands since my vehicle is a lease. I stated that our loan was 7 months old at the time and asked why would we refinance a new loan at a higher interest rate. He then asked me if I would like to report loan as fraudulent and I said yes, absolutely! \n\nHe emailed me paperwork that I needed to fill out and mail back. I was not told that my husband needed to fill it out as well. The information capital one required to claim loan as fraudulent was a notarized affidavit stating loan was fraudulent, a police report showing the account number or vin of vehicle and proof of identity such as a drivers license and social security card. \n\nI finally had all the paperwork to send to capital one the following week. To be on the safe side, I sent the paperwork registered mail so I would have proof of delivery. They received the information XX/XX/XXXX. \n\nI felt like I had things kind of squared away or at the very least everything was in progress of getting worked out. Oh how wrong I was! I went on Wednesday, XX/XX/XXXX to pay my husbands car payment. I always pay it at the branch, XXXX, near our house on my way to work. I am sitting at the drive through and its taking forever and the teller comes back and tells me that she cant find the loan that is attached to our car payment slip. She asked me to give her a minute and she double checked and came back and told me that the loan was paid off. \n\nIt turns out, the day that I called to report the loan as fraudulent was the day Capital One disbursed funds which closed out our original loan. Which in turn, XXXX, transferred our title to Capital One. So the fraudulent loan now holds the title to my husbands XXXX. \n\nWhen I spoke to the fraud department with Capital One, I asked if they could explain their loan process to me. For example, do they require proof of identity before approving and disbursing funds. I was told, it depends on the clients. In some cases, only a signature is required. I asked for a copy of the loan application and they did not release it. The detective we have working on our case filed a warrant to get a copy of the loan application. \n\nThe detective called me after reviewing the report and said that the application had a deceased persons phone number, our signatures that were forged ( which was missing the r in our last name ) and that was it. Our address was correct and they used my email address that I just created in XXXX. Capital One did not require any proof of identity! \n\nAs of Thursday, XX/XX/XXXX, Capital One has still not flagged the loan as fraudulent even though they have a copy of our police report and had to release information based on warrant to the detective with XXXX XXXX XXXX XXXX. Now they are asking my husband for the same paperwork that I already submitted. To my understanding, they want a copy of my husbands drivers license and social security card. \n\nMy husband spoke to Capital One Auto Finance again this evening, XX/XX/XXXX, and they still have the incorrect information listed for the fraudulent loan. The information they have is the original loan documents that are fraudulent. Capital One Auto Finance still has my husbands birth year wrong, the loan document says he is XXXX XXXX XXXX than he actually is. Capital One Auto Finance also still has the incorrect phone number listed, a prepaid phone with a Hawaii area code. He has corrected them at lest a dozen times. \n\nCapital One Auto finance told my husband that they would be willing to send the title back to our original lender if our original lender would reinstate our loan. In turn Capital One Auto Finance would expect XXXX to send the money back that they received from Capital One. \n\nAfter going back me forth between Capital One and XXXX, it doesnt seem like anyone is wanting to budge because they dont understand why someone would do this. XXXX also wants to understand how the loan got approved which Capital One was not willing to disclose with our original lender. We are at a standstill while both institutions are pointing fingers at one another and not willing budge. Meanwhile, since the account is considered legitimate with Capital One Auto Finance, my husbands vehicle is going to be scheduled for repossession in the near future.","date_sent_to_company":"2023-09-28T15:23:56.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"28173","tags":null,"has_narrative":true,"complaint_id":"7549602","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-15T01:01:51.000Z","state":"NC","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Capital One Auto Finance does not require proof of identity to approve and disburse funds for auto <em>loans</em>. All you need is <em>your</em> <em>information</em> and a signature. However, in order to prove a <em>loan</em> is fraudulent, they require a notarized affidavit, police <em>report</em> with account number or vin as well as a copy of <em>your</em> drivers license and social security card. Ironic, dont you think? \n\nOn XX/XX/XXXX I received a phone call for a credit card application through capital one that I did not apply for."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Getting a <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["<em>Loan</em> opened without my consent or knowledge"]},"sort":[15.340471,"7549602"]},{"_index":"complaint-public-v1","_id":"6684854","_score":14.949681,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report an issue with a financial institution that has caused harm to my credit score. My bank, Ally Bank, has been reporting incorrect information to the credit agencies, despite my attempts to rectify the situation. This misinformation has significantly impacted my ability to obtain credit and secure loans. \n\nI believe that Ally Bank 's practices violate regulations set forth by the CFPB and my rights as a consumer. I urge you to investigate this matter and ensure that consumers are protected from these unfair practices. Please take action to hold Ally Bank accountable for their actions and correct any erroneous information reported to the credit agencies. \n\n\n\nDear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Ally Bank for their egregious and unlawful practices that have caused significant harm to my credit score and financial standing. Despite fulfilling all my obligations and making all payments on time, Ally Bank has been falsely reporting that I have an open account and have been making payments until XXXX of XXXX, well after I returned the vehicle on XX/XX/XXXX. \n\nIn addition to these fraudulent reports, Ally Bank has also been reporting that I am not making timely payments and that I am making late payments of {$120.00}, which is wholly incorrect. These deliberate and intentional actions have caused me severe financial harm, and Ally Bank has even sent my account to collections, despite my full compliance with the lease agreement. \n\nI believe that Ally Bank 's actions violate not only the regulations set forth by the CFPB but also the fundamental principles of fairness and integrity. As a consumer, I should not have to suffer due to Ally Bank 's fraudulent reporting and unlawful collections efforts. I urge you to investigate this matter thoroughly, hold Ally Bank accountable for their actions, and ensure that they take corrective measures immediately. \n\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-12T20:12:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11225","tags":null,"has_narrative":true,"complaint_id":"6684854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-03-12T19:50:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to <em>report</em> an issue with a financial institution that has caused harm to my credit score. My bank, Ally Bank, has been <em>reporting</em> <em>incorrect</em> <em>information</em> to the credit agencies, despite my attempts to rectify the situation. This misinformation has significantly impacted my ability to obtain credit and secure <em>loans</em>. \n\nI believe that Ally Bank 's practices violate regulations set forth by the CFPB and my rights as a consumer."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[14.949681,"6684854"]},{"_index":"complaint-public-v1","_id":"14951421","_score":13.737966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Complaint Intake Department Subject : Volkswagen Credit refuses to remove negative credit entry despite paid balance and goodwill request To Whom It May Concern, I am submitting this complaint regarding Volkswagen Credit , Inc. ( VW Credit ) and their refusal to consider a goodwill adjustment for a negative credit entry related to my account.\n\nI had an account with Volkswagen Credit ( VW Credit ), which was reported with a late payment/negative status to the credit bureaus. While the report is technically accurate, I have since paid the balance in full and have made multiple goodwill requests directly to Volkswagen Credit, asking them to remove the negative entry as a gesture of goodwill. \nDespite my perfect payment history throughout my XXXX lease term, Volkswagen Credit denied my requests. Their response stated : 'Our records indicate that your balance was charged off. Volkswagen XXXX XXXX finds that the information was accurately reported. ' This statement is incorrect. I made a full payment of {$190.00} on XX/XX/XXXX, immediately upon discovering the outstanding balance, and I have included proof of this payment. \nThis single missed payment was not the result of negligence or unwillingness to pay but rather a clear breakdown in communication. During my lease, all communication and billing were conducted through my online account and email. However, after returning my vehicle in XX/XX/XXXX, Volkswagen closed my online account, preventing me from viewing any final charges. The disposition fee was mailed to an address I had not lived at for over XXXX years, and no email or phone notifications were sent. Please see attached copy of my Driver 's XXXX as a proof of address change. I only became aware of the balance in XX/XX/XXXX after repeated missed calls from a collection agency. \nAs a single parent, I solely rely on my finances and XXXX XXXX to provide for my family. This negative mark has caused significant damage to my XXXX XXXX, which had been perfect for years. It will financially impact me for nearly a decade, affecting my ability to obtain favorable terms for future loans such as for a car or home. \nI am asking the CFPB to investigate this matter and help encourage Volkswagen Credit to : Consider a goodwill adjustment for the negative entry. \nReview their communication practices, which resulted in a lack of proper notification. \nReevaluate their handling of cases where consumers have demonstrated perfect payment histories and prompt repayment. \n\nCompany name : Volkswagen Credit , Inc.\n\nDesired resolution : I respectfully request that Volkswagen Credit remove the negative entry from my credit reports withXX/XX/XXXXs a goodwill gesture. \n\nThank you for your time and assistance in reviewing this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-29T18:09:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11772","tags":null,"has_narrative":true,"complaint_id":"14951421","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"VW Credit","date_received":"2025-07-29T17:39:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Their response stated : 'Our records indicate that <em>your</em> balance was charged off. Volkswagen XXXX XXXX finds that the <em>information</em> was accurately <em>reported</em>. ' This statement is <em>incorrect</em>. I made a full payment of {$190.00} on XX/XX/XXXX, immediately upon discovering the outstanding balance, and I have included proof of this payment. \nThis single missed payment was not the result of negligence or unwillingness to pay but rather a clear breakdown in communication."]},"sort":[13.737966,"14951421"]},{"_index":"complaint-public-v1","_id":"3887096","_score":13.666496,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To whom it may concern : I am writing to address our concerns with the negative credit marker that was placed on our credit by XXXX XXXX. The account number is XXXX for a XXXX XXXX XXXX. In XXXX we were notified by our credit reports that a 60 day delinquency was reported. I am hoping that after you complete your review of the events that occurred on our account file, that the credit marker will be withdrawn. I will start with the end of XXXX, as that is when the issues with XXXX XXXX began. XXXX is when my lease agreement was coming to an end. Then I will provide a timeline of the events. \nFor three years I had perfect payments during the life of my lease agreement. At the end of XXXX the lease was coming to an end and on XX/XX/XXXX I called and was given information on my options to either purchase the vehicle or to return the vehicle. On that call I was advised that they would send me to the retention center to assist me in learning the next steps if I was interested in learning more about the purchase option. At the end of that call, I was advised that a formal letter with the payoff amount and documents to take to my bank would be sent to me, and that I would receive a call from XXXX to go over the details. On that call they advised me that they gave me a 10 day extension to allow for the paperwork to get to me. For the next few days I called multiple times and kept hitting long hold times and many times the calls would disconnect me after upwards of one hour wait times. I also left XXXX multiple messages with no return calls. I had been trying to call as I had not received any letters and my 10 day extension was about to end. On XX/XX/XXXX I finally was able to reach someone at XXXX XXXX   the representative did confirm that XXXX had been having phone issues and that they were aware of the long wait times and difficulty people were having getting through to them. On this call I advised that I had not received the paperwork and the representative advised she would make sure they were sent out, and again for me to wait for the documents. \nMid XXXX I finally received a letter dated XX/XX/XXXX that included the documents I needed to process the purchase option. Then the issue I had, was not only was the letter outside of the 10 day extension but my name was misspelled. Also as I was waiting for this letter to arrive, my car loan approval with my bank was aging. As the letter included legal documents for purchase, I again began trying to calling XXXX XXXX to get the name corrected. I made multiple calls and then on XX/XX/XXXX I spoke with an agent named XXXX. Now if this agent had been more trained and educated on the process, I do not believe that we would have had the upcoming issues that follow after this call. On the call I expressed my concern with the late paperwork and that no payment had been made. At that point, XXXX advised me that we had the option to do a lease extension. This was the first I heard of this option. She advised this option would help gives us more time to get the paperwork corrected and allow me more time to make a decision on if I wanted to keep the car temporarily during this timeframe or decide on if I wanted to buy the car. I was nervous with all the mishaps I had run into during this lease end process thus far and thought I should be safe by extending the lease option so that some sort of action was taken on a car situation that I felt was in limbo. I did ask XXXX if she knew what the payment amount would be on the lease extension and she advised she would have to go recalculate the numbers and that she couldnt advise of the exact amount. I offered to make a payment with XXXX on the line as I didnt want there to be any payment defaults, she stated that she couldnt take the payment at the time as she was unaware of the amount due. She told me that there was no defaults at the time and that they have noted in the system that they were working with me on my lease end options. She did at that time state that she saw a late fee that she would waive and she advised that I should wait for a letter that will be sent to me for my lease extension, and that I would get a separate letter which would serve as my bill for my first payment due on the lease extension. She did advise me on the phone that I would be approved for the extension due to my perfect payment history. It is disheartening to later find out that the lease extension payment amount would be the same amount that I had been paying during my lease agreement. A simple solution would have been for XXXX to be able to take the payment during that call or to have been educated enough to have advised that the payment amount would be the same and provide a due date for payment. \nIn subsequent calls to XXXX, I called to follow up on my lease extension and was advised that something was not entered correctly on the XX/XX/XXXX call and that my lease extension was finally processed over a week later on XX/XX/XXXX. I was also advised on another call with a representative XXXX that he stated that XXXX was in error as they had not sent me a XXXX statement and he also advised that we should of received a call on the 11th day if a payment was ever missing and he validated that XXXX did not make that outreach call to me. I also can vouch for the fact that I never received any calls about any late payments. I completely trusted XXXX when she advised me that my next steps would be to wait for the formal lease extension letter and to wait for my first bill before making a payment. \nOn XX/XX/XXXX I received a credit notification from my credit card that my score had been lowered due to a late payment. I then called XXXX as it stated it was a hit by Toyota Financial and I assumed that it was tied to my XXXX lease. I spoke with XXXX on XX/XX/XXXX who advised he understood all the misguided information that I was provided and he advised he would reverse the second late charge on my account as I had made a generic payment of {$900.00} while I was waiting on letter that XXXX had promised. XXXX helped to send over a verbal dispute for me during the call and he was very helpful. \nOn XX/XX/XXXX I called back to get an update on the dispute and was advised that a decision had been made on XX/XX/XXXX to not overturn but I did not get a call on this decision. Also on this call I asked for verification that payments were caught up until XXXX. The agent also explained that the next steps for me was to do a formal written complaint that would go to another department to do a thorough review. By this time I was very frustrated with the entire lease process and had decided that XXXX was not a company that I wanted to continue to support with my business and made the decision to turn in the lease on XX/XX/XXXX. \nOn XXXX I received a letter from XXXX stating that they had not received the Odometer Disclosure Statement. As I already had little faith in XXXX I had the made sure to ask the representative, XXXX XXXX to make me copies of all the documents on my turn in date. So on XXXX I called and spoke with XXXX who verified that the error was on their part and that the form was turned in late but that they did have it now. XXXX was very helpful and was able to confirm what XXXX had advised me before that she also did not see that XXXX ever sent a XXXX Statement and that she does not see anywhere that they tried to contact me to advise of a needed payment during the months of XXXX and XXXX. At this point I am asking you to please consider all the facts presented during the window of XXXX and XXXX and to please remove the credit marker that was unfairly and incorrectly place on us. At this current time we were in the midst of purchasing a house, and dependent on our excellent credit standing to be able to provide for our family. We are not trying to ask for reimbursement or compensation for the two additional months I paid for the lease extension while I was waiting on paperwork, I am just requesting for you to reverse the damage to our credit that was caused by the processing delays from XXXX XXXX. \nAt XXXX you state that you are committed to making your experience as seemless as possible but at this point my credit standing and financial security has been greatly affected by your companys inadequate customer service. I appreciate your time in this review and if you have any additional questions or need additional documentation please outreach to me at XXXX XXXX XXXX XXXX or send me an email at XXXX. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-10-07T04:20:36.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"97225","tags":null,"has_narrative":true,"complaint_id":"3887096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2020-10-07T04:13:47.000Z","state":"OR","company_public_response":null,"sub_issue":"Problem extending the lease"},"highlight":{"complaint_what_happened":["At the end of XXXX the <em>lease</em> was coming to an end and on XX/XX/XXXX I called and was given <em>information</em> on my options to either purchase the <em>vehicle</em> or to return the <em>vehicle</em>. On that call I was advised that they would send me to the retention center to assist me in learning the next steps if I was interested in learning more about the purchase option."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Problem extending the <em>lease</em>"]},"sort":[13.666496,"3887096"]},{"_index":"complaint-public-v1","_id":"16614303","_score":12.005576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX ) Primary Product/Issue Selections ( choose these in the form ) Youll file one complaint and list multiple companies/respondents inside the same complaint. In the CFPB flow, when asked, add each company below with the indicated product and issue : A ) Specialty / Consumer Reporting Agencies XXXX XXXX XXXX Product : Credit reporting or consumer reports Issue : Improper use of your report / Report includes inaccurate information / Identity theft Problem summary : XXXX XXXX / XXXX and public-record screens contain mismatched identifiers and bankruptcy/derogatory summaries without competent evidence ( see narrative ). \n\nXXXX Product : Credit reporting or consumer reports Issue : Report includes inaccurate information / Identity theft XXXX  ( c/o XXXX  ) Product : Credit reporting or consumer reports Issue : Report includes inaccurate information / Identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking or savings account Issue : Incorrect information on your report / Identity theft or fraud Problem summary : Deposit-account databases show inaccurate/unsupported entries harming business-banking eligibility. \n\nXXXX XXXX ( Experian ), XXXX  ( TransUnion ), XXXX  XXXX, XXXX Product : Credit reporting or consumer reports ( alternative credit ) Issue : Report includes inaccurate information / Identity theft B ) Furnishers ( list each one in the Company step ) XXXX  ( unsecured installment ) Product : Loan Issue : Incorrect information on your report XXXX XXXX ( auto loan ) Product : Vehicle loan or lease Issue : Incorrect information on your report XXXX  ( mortgage ) Product : Mortgage Issue : Incorrect information on your report XXXX ( HELOC/secured line ) Product : Home equity line of credit Issue : Incorrect information on your report ( If the web form limits companies, submit one complaint for the bureaus/specialty CRAs and a second for the furnishers. ) 3 ) Main Narrative ( paste into What happened? ) Summary : I am disputing inaccurate, incomplete, and identity-theftrelated information in my consumer/specialty reports that is harming my ability to open/maintain bank accounts and qualify for personal and business credit. I provided disputes and documentation to multiple consumer reporting agencies and furnishers, but I continue to receive responses that do not include competent evidence ( itemized ledgers, application consents, or first-party court records ). I also see cross-bureau inconsistencies, improper late/status coding, and banking-file errors. I have an FTC Identity-Theft Report ( XXXX ) and police case ( XXXX ) on file. \n\nIdentity-theft / mixed-file indicators : Conflicting addresses/names and mismatched identifiers appear across specialty CRAs ( XXXX XXXX, XXXX ) and bank databases ( XXXX  ). Under FCRA 605A, 605B, 607 ( b ), 611, I requested blocks and reinvestigations with Method of Verification ( MOV ). I did not receive the underlying documents ( applications with timestamp/IP, ledgers, or precise data sources ). \n\nBanking databases ( XXXX ) : Entries are vague or unsupported ( no account agreements, closure notices, or return-item ledgers ). These files are causing automatic denials for business banking. I requested XXXX  ( bank name & member code, DOFD, internal notes ). If the reporting bank can not produce first-party evidence, these items must be deleted. \n\nXXXX / public-record screens ( XXXX ) : My file shows public-record/derogatory summaries and identity mismatches without copies of the first-party source documents. I asked for the exact source references and timestamps ; instead I received generic summaries. \n\nFurnisher-level tradeline defects ( cross-bureau conflicts & late-coding ) : XXXX  ( Installment/Unsecured ) XXXX XXXX  XXXX conflicts : Opened XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ) ; Terms XXXX ( XXXX  ) vs XXXX ( XXXX ) ; Last Reported XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ). XXXX shows Unpaid balance reported as a loss and XXXX  XXXX remarks with {$0.00} balance and XXXX XXXX XXXX status. Late/CO strings appear without full monthly ledgers. \n\nXXXX XXXX ( Auto ) XXXX XXXX XXXX conflicts : Terms XXXX ( XXXX  ) vs XXXX ( XXXX  ) ; opened XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ) ; Last Reported XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ). XXXX shows intermittent XXXX lates interspersed with OK monthsledger not provided. \n\nXXXX ( Mortgage ) XXXX  shows extended XXXX late strings and partial payment agreement remark ; XXXX remarking differs. Ledger/forbearance/plan treatment not provided. \n\nXXXX ( HELOC ) High credit mismatch : {$120000.00} ( XXXX ) vs {$100000.00} ( XXXX  ) ; credit limit {$100000.00} both ; XXXX also reports Foreclosure proceeding started alongside bankruptcy coding and {$0.00} balance. No default/acceleration notices or foreclosure filings were produced. \n\nBankruptcy reporting ( public record ) : A XXXX  XXXX filing dated XX/XX/XXXX ( Ref # XXXX ) appears in consumer-facing reports and/or downstream risk products without the bureau identifying the exact source ( court docket/XXXX vendor ) and providing the documents relied upon. If the CRA can not tie the record to my identity with first-party court documentation, it should be deleted and downstream users notified. If any deletion was reinserted, I did not receive the 611 ( a ) ( 5 ) ( B ) 5-day notice and certification. \n\nHarm : Inaccurate specialty and credit-file data have caused or risk causing denied/closed bank accounts, higher premiums/denials, and credit adverse actions, including for business credit where these databases are heavily weighted.","date_sent_to_company":"2025-11-04T14:43:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"16614303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-16T20:57:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX ( Experian ), XXXX  ( TransUnion ), XXXX  XXXX, XXXX Product : Credit <em>reporting</em> or consumer <em>reports</em> ( alternative credit ) Issue : <em>Report</em> includes inaccurate <em>information</em> / Identity theft B ) Furnishers ( list each one in the Company step ) XXXX  ( unsecured installment ) Product : <em>Loan</em> Issue : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> XXXX XXXX ( auto <em>loan</em> ) Product : <em>Vehicle</em> <em>loan</em> or <em>lease</em> Issue : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> XXXX  ( mortgage ) Product : Mortgage Issue : <em>Incorrect</em> <em>information</em>"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.005576,"16614303"]},{"_index":"complaint-public-v1","_id":"16623859","_score":12.000977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX ) Primary Product/Issue Selections ( choose these in the form ) Youll file one complaint and list multiple companies/respondents inside the same complaint. In the CFPB flow, when asked, add each company below with the indicated product and issue : A ) Specialty / Consumer Reporting Agencies XXXX XXXX XXXX Product : Credit reporting or consumer reports Issue : Improper use of your report / Report includes inaccurate information / Identity theft Problem summary : XXXX XXXX / XXXX and public-record screens contain mismatched identifiers and bankruptcy/derogatory summaries without competent evidence ( see narrative ). \n\nXXXX Product : Credit reporting or consumer reports Issue : Report includes inaccurate information / Identity theft XXXX  ( c/o XXXX  ) Product : Credit reporting or consumer reports Issue : Report includes inaccurate information / Identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking or savings account Issue : Incorrect information on your report / Identity theft or fraud Problem summary : Deposit-account databases show inaccurate/unsupported entries harming business-banking eligibility. \n\nXXXX XXXX ( Experian ), XXXX  ( TransUnion ), XXXX  XXXX, XXXX Product : Credit reporting or consumer reports ( alternative credit ) Issue : Report includes inaccurate information / Identity theft B ) Furnishers ( list each one in the Company step ) XXXX  ( unsecured installment ) Product : Loan Issue : Incorrect information on your report XXXX XXXX ( auto loan ) Product : Vehicle loan or lease Issue : Incorrect information on your report XXXX  ( mortgage ) Product : Mortgage Issue : Incorrect information on your report XXXX ( HELOC/secured line ) Product : Home equity line of credit Issue : Incorrect information on your report ( If the web form limits companies, submit one complaint for the bureaus/specialty CRAs and a second for the furnishers. ) 3 ) Main Narrative ( paste into What happened? ) Summary : I am disputing inaccurate, incomplete, and identity-theftrelated information in my consumer/specialty reports that is harming my ability to open/maintain bank accounts and qualify for personal and business credit. I provided disputes and documentation to multiple consumer reporting agencies and furnishers, but I continue to receive responses that do not include competent evidence ( itemized ledgers, application consents, or first-party court records ). I also see cross-bureau inconsistencies, improper late/status coding, and banking-file errors. I have an FTC Identity-Theft Report ( XXXX ) and police case ( XXXX ) on file. \n\nIdentity-theft / mixed-file indicators : Conflicting addresses/names and mismatched identifiers appear across specialty CRAs ( XXXX XXXX, XXXX ) and bank databases ( XXXX  ). Under FCRA 605A, 605B, 607 ( b ), 611, I requested blocks and reinvestigations with Method of Verification ( MOV ). I did not receive the underlying documents ( applications with timestamp/IP, ledgers, or precise data sources ). \n\nBanking databases ( XXXX ) : Entries are vague or unsupported ( no account agreements, closure notices, or return-item ledgers ). These files are causing automatic denials for business banking. I requested XXXX  ( bank name & member code, DOFD, internal notes ). If the reporting bank can not produce first-party evidence, these items must be deleted. \n\nXXXX / public-record screens ( XXXX ) : My file shows public-record/derogatory summaries and identity mismatches without copies of the first-party source documents. I asked for the exact source references and timestamps ; instead I received generic summaries. \n\nFurnisher-level tradeline defects ( cross-bureau conflicts & late-coding ) : XXXX  ( Installment/Unsecured ) XXXX XXXX  XXXX conflicts : Opened XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ) ; Terms XXXX ( XXXX  ) vs XXXX ( XXXX ) ; Last Reported XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ). XXXX shows Unpaid balance reported as a loss and XXXX  XXXX remarks with {$0.00} balance and XXXX XXXX XXXX status. Late/CO strings appear without full monthly ledgers. \n\nXXXX XXXX ( Auto ) XXXX XXXX XXXX conflicts : Terms XXXX ( XXXX  ) vs XXXX ( XXXX  ) ; opened XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ) ; Last Reported XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ). XXXX shows intermittent XXXX lates interspersed with OK monthsledger not provided. \n\nXXXX ( Mortgage ) XXXX  shows extended XXXX late strings and partial payment agreement remark ; XXXX remarking differs. Ledger/forbearance/plan treatment not provided. \n\nXXXX ( HELOC ) High credit mismatch : {$120000.00} ( XXXX ) vs {$100000.00} ( XXXX  ) ; credit limit {$100000.00} both ; XXXX also reports Foreclosure proceeding started alongside bankruptcy coding and {$0.00} balance. No default/acceleration notices or foreclosure filings were produced. \n\nBankruptcy reporting ( public record ) : A XXXX  XXXX filing dated XX/XX/XXXX ( Ref # XXXX ) appears in consumer-facing reports and/or downstream risk products without the bureau identifying the exact source ( court docket/XXXX vendor ) and providing the documents relied upon. If the CRA can not tie the record to my identity with first-party court documentation, it should be deleted and downstream users notified. If any deletion was reinserted, I did not receive the 611 ( a ) ( 5 ) ( B ) 5-day notice and certification. \n\nHarm : Inaccurate specialty and credit-file data have caused or risk causing denied/closed bank accounts, higher premiums/denials, and credit adverse actions, including for business credit where these databases are heavily weighted.","date_sent_to_company":"2025-11-04T15:13:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"16623859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-16T21:12:35.000Z","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":["XXXX XXXX ( Experian ), XXXX  ( TransUnion ), XXXX  XXXX, XXXX Product : Credit <em>reporting</em> or consumer <em>reports</em> ( alternative credit ) Issue : <em>Report</em> includes inaccurate <em>information</em> / Identity theft B ) Furnishers ( list each one in the Company step ) XXXX  ( unsecured installment ) Product : <em>Loan</em> Issue : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> XXXX XXXX ( auto <em>loan</em> ) Product : <em>Vehicle</em> <em>loan</em> or <em>lease</em> Issue : <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> XXXX  ( mortgage ) Product : Mortgage Issue : <em>Incorrect</em> <em>information</em>"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.000977,"16623859"]},{"_index":"complaint-public-v1","_id":"15430067","_score":10.874338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I AM A XXXX XXXX  XXXX VETERAN WHO FOUGHT THE RIGHTS OF THIS COUNTRY. I HAVE GIVEN UP ALOT FOR THIS UNITED STATES XXXX, AND STILL I HAVE TO FACE SUCH XXXX HATE ON AN AI LEVEL. THIS IS TRULY INSANE AND A HUMAN OUTRAGE THAT A XXXX CULTURE WOULD STOOP SO LOW AS TO ATTACK ITS OWN CITIZENS WITH INTERNET CONSPIRACY 18 USC Section 241 [ CONSPIRACY TO COMMIT HARM TO MINORITIES WITH ANOTHER ENTITY ]. SHAME ON ALL THREE FACTIOUS GOVERNMENT CREDIT REPORTING AGENCYS, AND CFPB WHO SUPPOSIVELY IS TO MONITOR THESE XXXX  ENTITY 'S. I SUFFER FROM XXXX XXXX XXXX FROM BEING XXXX MILES FROM THE XXXX XXXX XXXX XXXX  AND WILL NOT TOLERATE YOUR XXXX  XXXX USING AI FOR YOUR PERSONAL TOOL. WE ARE XXXX XXXX XXXX XXXX I APPLIED FOR A XXXX XXXX XXXX ON THE XXXX OF XX/XX/XXXX WITH XXXX XXXX XXXX XXXX ONLY TO BE OFFERED A CREDIT LIMIT OF {$500.00} WITH SCORES OF XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX, XXXXXXXX XXXX I CALLED THE RECONSIDERATION DIVISION AND INFORMED THEM THAT I NEVER APPLIED FOR A XXXX XXXX XXXX XXXX  AND THAT I NEVER SIGNED ANY PAPERWORK FOR A XXXX XXXX XXXX AND THAT IT WOULD NOT BE ACTIVATED, ONLY TO BE SPOKEN TO AS IF I WAS A XXXX. THE AGENT STATED THAT THAT WAS WHAT THEY AGREED ON FOR APPROVAL. MIND YOU I HAVE 0 % DEBT TO INCOME, NO MORTGAGE LOANS, NO AUTO LOANS, ALL DEBT PAID IN FULL, OVER XXXX ACCOUNTS. I REPORTED THIS TO A SUPERVISOR HOW I WAS SPOKEN TO AND THE SITUATION AND HE INFORMED ME THAT THIS WOULD BE INTERNALLY INVESTIGATED. XXXX XXXX XXXX XXXX HAS TRANSFERED MONIES FROM A CREDIT CARD THAT WAS NEVER ACTIVATED, AND I NEVER RECEIVED A PHYSICAL CARD IN THE MAIL, NOR HAVE I REQUESTED PAYMENT FOR XXXX XXXX XXXX XXXX TO PAY A CREDIT CARD BALANCE OF {$500.00} OR {$500.00} FOR A XXXX CREDIT CARD IN AMOUNT OF {$500.00} OR {$500.00}. THE DATE TODAY IS XXXX XX/XX/XXXX AND THIS FACTIOUS TRANSFER ACCURED ON THE XXXX XX/XX/XXXX, AFTER EVERYTHING THAT HAS HAPPENED THIS HAPPENS AFTER I TRANSFERED ALL MY MONIES TO ANOTHER BANK. THE ACCOUNT THAT XXXX XXXX XXXX XXXX CLAIMS I TRANSFERED A BALANCE TO AT XXXX WAS CLOSED ON THE XXXX XX/XX/XXXX. ALSO THAT CREDIT CARD HAD A BALANCE OF {$0.00} DOLLARS. \n1. The Fraud Act XXXX6 2. The Criminal Finances Act XXXX 3.The Torts Act XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Financial Services Act XXXX XXXX. The Misrepresentation Act XXXX  XXXX. The Malacious Communications Act XXXX XXXX. The Data Protection Act XXXX XXXX. The Protection from Harrassment Act XXXX 12. The Theft Act XXXX 13. The Bills of Exchange Act XXXX XXXX. The Proceeds of Crime Act XXXX Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( XXXX ) Passed by Congress XX/XX/XXXX, and ratified XX/XX/XXXX, the XXXX XXXX extended liberties and rights granted by the Bill of Rights to formerly enslaved people. \n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4. \nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! XXXX VIOLATIONS : Excessive Taxes On Escrow. \nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! XXXX VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! XXXX WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! XXXX This In Fact Is A Quasi-Contract \" XXXX XXXX XXXX XXXX XXXX XXXX  ''. \n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act XXXX Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! XXXX Enticement To XXXX  Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\nXXXX XXXX  Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation XXXX. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and is not necessarily the official citation. \n\nXXXX XXXX XXXX - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. \nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. \nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 US\nC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. \nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act. \n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in which case it may be punished by up to life imprisonment and, if XXXX  results, may be eligible for the dXXXX XXXX. \n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual Indian ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an Indian tribe.\n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. \n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. \nI AM THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S.C. 241, also known as the Conspiracy Against Rights statute, makes it a federal crime for two or more people to conspire to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the United States.This includes both rights explicitly granted by the Constitution and those created by federal statutes. \nRegulation Z, also known as the Truth in Lending Act ( TILA ) of 1968, is a federal law that protects consumers from unfair credit practices and promotes transparency in lending.It requires lenders to disclose loan terms and costs clearly, including all fees and charges.The Consumer Financial Protection Bureau has overseen TILA since XXXX.Here 's how Regulation Z protects consumers : Disclosure : Lenders must disclose interest rates and all loan and credit terms in clear language.\n\nLoan cancellation : Borrowers can cancel certain types of loans.\n\nRate caps : Regulation Z sets rate caps on some dwelling-secured loans.\n\nHome equity lines of credit : Regulation Z limits home equity lines of credit.\n\nClosed-end home mortgages : Regulation Z limits certain closed-end home mortgages.\n\nRescission rights : Regulation Z provides consumers with rescission rights.\n\nUnfair practices : Regulation Z prohibits unfair or deceptive mortgage lending practices.\n\nRegulation E ( Reg E ) is a federal regulation that protects consumers from incorrect or fraudulent electronic fund transfers ( EFTs ) .It establishes rules for EFTs, including debit card transactions, ATM transfers, and electronic payments.Reg E also outlines the responsibilities of financial institutions involved in EFTs.Here 's what Reg E covers : Consumer protection Limits consumer liability for lost or stolen debit cards, and provides a process for disputing unauthorized or erroneous EFTs.Reporting a lost or stolen debit card sooner reduces maximum liability for unauthorized charges. \nFinancial institution responsibilities Outlines the responsibilities of financial institutions that participate in EFTs.\n\nTransaction coverage Applies to any EFT that authorizes a financial institution to debit or credit a consumer 's account.This includes ATM transactions, debit card transactions, direct deposits, electronic bill payments, and person-to-person payments. \nCredit union statements Requires credit unions to send a periodic statement to members in each monthly cycle where an EFT occurs.\n\nEFTA Dispute Settlement : In XX/XX/XXXX, XXXX XXXX agreed to a {$1.00} XXXX settlement in a class-action lawsuit alleging violations of the Electronic Fund Transfer Act, according XXXX XXXX XXXX XXXX This case involved a member whose fraud claim was allegedly wrongfully denied. The settlement is pending preliminary approval.","date_sent_to_company":"2025-08-21T23:03:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15430067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-21T23:02:30.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["SHAME ON ALL THREE FACTIOUS GOVERNMENT CREDIT <em>REPORTING</em> AGENCYS, AND CFPB WHO SUPPOSIVELY IS TO MONITOR THESE XXXX  ENTITY 'S. I SUFFER FROM XXXX XXXX XXXX FROM BEING XXXX MILES FROM THE XXXX XXXX XXXX XXXX  AND WILL NOT TOLERATE <em>YOUR</em> XXXX  XXXX USING AI FOR <em>YOUR</em> PERSONAL TOOL."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[10.874338,"15430067"]},{"_index":"complaint-public-v1","_id":"5303985","_score":10.835806,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Innovate Loan Servicing is reporting false information to XXXX reporting. On XX/XX/XXXX, I opened a CFPB complaint ( XXXX ) with XXXX XXXX XXXX. They got back to me and told me that reporting is done by Innovative and that this would stop being reported and removed from my credit due to the other companies faults. On XX/XX/XXXX, 1 : Innovate removed on account that had a collection fee but there is another that shows a repossession which the vehicle never was. They removed an existing account and left the one with false information and bad remarks open which affects my credit score.\n\n2 : it shows that there were late payments which XXXX auto finance 's complaint addressed for problems 1 and 2. \n\nAs of XX/XX/XXXX, I have received nothing from Innovate Loan Servicing after contacting them via phone time and time again. Please see the notes below. XX/XX/XXXX - Spoke to Customer Service Agent XXXX, where I was disconnected. Called and spoke to XXXX who confirmed account information about XXXX report that went out XX/XX/XXXX. XXXX stated that she would ask Customer Service to send me a copy of the letter sent to XXXX so I could send it to my lender. Called back later that day and spoke to XXXX who also \" asked for an expedite '' of the letter. On XX/XX/XXXX, I called XXXX and they said that they updated per what was sent to them. Note they changed it to a repossession, which it never was and also kept reporting on it after they said they would have it removed not only on XX/XX/XXXX in their XXXX  response but also what I was told is in their notes. There are derogatory comments that are bringing my credit score down and impeding on closing my mortgage loan ( transunion file # : XXXX ). I received paperwork of a new acct that they opened On XX/XX/XXXX, I called and spoke to XXXX who stated that in the file, it says they asked XXXX to remove it. I asked for a copy of what was sent or a confirmation to provide to my lender. She referred me to speak to XXXX XXXX or XXXX XXXX, who I have received a call from XXXX XXXX ( on XX/XX/XXXX ) but no paperwork yet. This is still being reported to XXXX at this time. XX/XX/XXXX, I called and spoke to XXXX who mentioned XXXX XXXX is out and I needed to speak to XXXX XXXX. He has not yet returned the call, emailed or any communication whatsoever so I shall stop by in person since his phone and email are apparently not working. Was told that they do not see customers in person at their location : ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ). Furthermore, on the drive back I attempted to reach them again and left a voicemail for XXXX XXXX as XXXX XXXX was out. I called back to see if I could speak to the other manager ( referred to as XXXX ) and I was hung up on. I also called XXXX to see if the reporting had been removed and they stated \" 1 account was removed and the other one that had been open since XXXX that shows late payments '' is still open. How can that be possible if this account was not with them until circa XXXX? There has been a pending dispute since XX/XX/XXXX which I opened after not seeing the incorrect changes to the account. \n\nThe agreement to remove all these accounts reporting and to stop them can be seen from the XXXX  attached with their response, the CFPB complaint attached where they were contacted and per verbal confirmation from their own Customer Service Agents. Please see below that they were notified of the past complaints by original creditor ( also attached in the documents ). \n\nCompany 's Response XXXX XXXX, XXXX ( formerly known as XXXX XXXX XXXX, XXXX ) is in receipt of your CFPB complaint dated XX/XX/XXXX, XXXX  ID # XXXX, which was received by our company on XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX ) provides the following response : Your account was sold and transferred as of XX/XX/XXXX to XXXX XXXX  , XXXX  ( hereinafter XXXX ). On XX/XX/XXXX, you requested dependent coverage under Servicemember Civil Relief Act ( SCRA ) for lease termination, XXXX XXXX, XXXX. ( formerly known as XXXX XXXX XXXX, XXXX ) no longer owned the account. XXXX, the account owner, outsourced the servicing of their account to XXXX XXXX. XXXX coverage eligibility was reviewed and determined by the account servicer, XXXX XXXX. The email and written correspondence you enclosed, were communication from XXXX XXXX not by XXXX XXXX, XXXX ( formerly known as XXXX XXXX XXXX, XXXX ). XXXX has transferred servicing of the account to Innovate Loan Servicing ( hereinafter Innovate ). Our office notified Innovate of the impending complaint. Innovate will amend the negative credit reporting posted to your consumer report trade line, as previously agreed via XXXX  Complaint Case ID # XXXX. I apologize for the inconvenience this issue has caused you. As a courtesy we have forward your documented complain to XXXX XXXX. XXXX encourages you to follow up with XXXXnovate regarding the amendment of your consumer report, you may reach them directly at XXXX or via email XXXX.","date_sent_to_company":"2022-03-09T21:55:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75098","tags":"Servicemember","has_narrative":true,"complaint_id":"5303985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Innovate Managed Holdings, LLC","date_received":"2022-03-09T21:22:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Innovate <em>Loan</em> Servicing is <em>reporting</em> false <em>information</em> to XXXX <em>reporting</em>. On XX/XX/XXXX, I opened a CFPB complaint ( XXXX ) with XXXX XXXX XXXX. They got back to me and told me that <em>reporting</em> is done by Innovative and that this would stop being <em>reported</em> and removed from my credit due to the other companies faults. On XX/XX/XXXX, 1 : Innovate removed on account that had a collection fee but there is another that shows a repossession which the <em>vehicle</em> never was."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[10.835806,"5303985"]},{"_index":"complaint-public-v1","_id":"2873022","_score":10.833136,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In the beginning ofXX/XX/2018 immediately after purchasing this vehicle the car was illegally towed in XXXX by a private towing company. The car sat in that lot for nearly three weeks and cost me nearly 3000 to retrieve the car or the tow yard was going to file paperwork to assume ownership of the vehicle. \nI did the right thing by retrieving the car from the lot, mind you II also just was XXXX from filing chapter XXXX with the federal circuit court of XXXX. upon spending all of that money for the vehicle, I was immediately in contact with consumer portfolio about my loans and that I was certain I was going to be behind because of the cost of that tow. I did the right thing be not allowing them to assume ownership. After I could not receive any assistance felt it was unfair. I had a different representative who then said I could file for an extension and she sent an email to me which had a form to electronically fill out. I filled it out and when sending it back I contacted consumer portfolio only to learn that the previous rep who said i could be incorrect and had misled me.words were again exchanged and no solution at the time was found, A couple of weeks later I was told I went on to the website where i was granted an extension. I applied and was said to have signed for it. \n\n\nI never signed in, never seen this agreement they speak of but i learned that after i questioned how i had still had my car if i was actually that far behind. I struggled so had to get caught up on my loan but achieved that only to have two parents pass and my brother. all within a 6-week time frame. Three funerals, my job, my poor sister who still isnt okay to this day and here I am trying to maintaining myself. I initiated my relocation to XXXX to ensure I am a better support to my younger sister. had to fina a new job, was in constant communication with consumer portfolio, updated addresses and more. Eventually, I received no mail, no bills and the phone calls quit coming in. \n I called and asked what was going on and they stated i went on to the website and requested they not call me with a stop call request. \n\n\nI never logged in to any site and never asked them not to call. That's fact Got myself together and asked them to rese3nd out my bills yet they never came. \n\nUpon relocating my account was transferred to a new office where i spoke with a representative open time, where i had arrangements made. \nI was not even aware of nor was i notified., i was told to pay XXXX dollars, no repossession would stop and there were no options.,, I argued the amount was incorrect because they slapped me with fees i was not inclined to have, my balance owed jumped two more payments. \n\ni pleaded and pleaded and made no progress. They would not listen to me when I asked for literally 6 more days and i would have had that account paid off in full., they resumed. Stated they'd open an investigation and I requested a much higher level supervisor and they stated a call back would be made. \n\nThat call neve3r came. No resolution.\n\nThey treated me like an idiot, a fake, and like honestly ..a subprime consumer because not a single one of them had any compassion or empathy to my situation, my efforts to resolve it or the well being whatsoever.\n\nThey state they offer multiple payment plans. Sure, only to draw you in to take the loan/ good luck maintaining it. During the purchase of my vehicle at the dealership, they tried forcing me into add-ons and packages i didn't need to0 increase the total loan amount were very very forceful and even made you feel bad and intimidated me when i opposed. \n\n\nEverything in my mind said do not accept it but by this i just wanted the XXXX out. \nsure enough, they tried to mislead me on my APR % which changed multiple times. \n\nFurther that, their truth in lending is very gray and very dishonesty. This stop call items on the site were definetly not done with my knowledge and i believe they may be false.\n\nnot only this but my data has been breached,. Im a victim of a horrendous case of identity theft, cps doesnt care. but they sell my data to whoever asks for it without even verifying that companies credentials. This company is scamming me to my face, falsifying documents, changed owed balances and refused to trake accountability or to work with mew. I cant loose my car. iu need it as i drive daily at work. please assist me in finding a resoltuomn so i can leep the car.\n\nHault the reposssoion. Please defer ther payments and allow me to dso thisd right other wise I have the documents of the agreements, the phones calls. Misleading by multip [ le representatives, woth no resolution. P { lease work with me to resolve this or i will have no other choice in the matter but to take this another direction that id prefer n ot to. \n\nI am not in any type of arbitration agreement and have also gathered records from ym cell provider to calculate time spent on the phone, the multiple cal ; ls per day from you guys which is also against federal law in debt collections and the day of my phone call in when i learned of my repossession and having to yell at the top of my lungs with you people for nearly two hours I ended up in the hospital with my XXXX XXXX so XXXX i coul ; d have died with a XXXX. YES YOU CPS CAUSED THIS, that three-day trp to the hospital bill will go alng with any time i bill you for fopr nearly 20 plus hours back and forth and then we move to why you wouldn't work with me. was it because you could careless or discrimination or was it because your own employees may have forged my documents stopping calls, never mailing out my bills hanging upo on multiple phone calls. violating my rights as a consumer under the fair credit reporting act. I know my rights and i know them very well. I am only asking you to do what morally right here., legally right also. please assist i asked for a refund of a care package they forcedcf me into which ididnt weant, ill never use and they told me i had no choiuce in the matter as it cam with all vehicles and then upon sopeaking with that cvompany, I believethat that compAny who they outsource their care packages with is a cam or a ploy just to rake in more money. when i spoke with them they sounded like they were all at home and io was bounc ed around without and hold, no transfers, nop resolution when iu asked for someone higher. how do you have one call center employee, one claimed manager then two owners who i was informed never are there, but miraculously they both appeared during my call only she told me to call the dealer and hung up on, me ; XXXX XXXXXXXX XXXX XXXX XXXX and Consumer portfolio Just might be working together towards greater misleading and or consumer fraud. After seeing the complaints and doing my homework I cant imagine how consumer portfolio is in business after all the no0nsese they've found them selves in or how any reputable business would want to sell their loans to consumer ; I've received no calls for resolution and will give this five more days before i consult with the attorney and take this to the media. the entire world will know how dishonest, fraudulent, miss leading, unprofessional, forceful and just how your business practices may surface then., typically with one copmplating. comes many to follow. I see an easier solution I can not provid eyou any of the loan information as the paperwork is in the car which is currewntly, to my knowledge in XXXX where i left it. \nI am some XXXX miles away from XXXX. XXXX XXXX","date_sent_to_company":"2018-04-12T14:16:00.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"44113","tags":"Servicemember","has_narrative":true,"complaint_id":"2873022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2018-04-12T12:18:27.000Z","state":"OH","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["I see an easier solution I can not provid eyou any of the <em>loan</em> <em>information</em> as the paperwork is in the car which is currewntly, to my knowledge in XXXX where i left it. \nI am some XXXX miles away from XXXX. XXXX XXXX"],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Struggling to pay <em>your</em> <em>loan</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Lender trying to repossess or disable the <em>vehicle</em>"]},"sort":[10.833136,"2873022"]},{"_index":"complaint-public-v1","_id":"10027490","_score":10.742014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX credit report XXXX XXXX XXXX As of XX/XX/XXXX XXXX XXXX  Equifax XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXXXXXX XXXX Personal Statements No Statement ( XXXX ) present at this time Quick actions Print your report File a dispute You have XXXX openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} XXXX closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nInstallment accounts Total balance : {$15000.00} XXXX closed accounts XXXX Total balance : {$160.00} ONLINE INFORMATION XXXX Original creditor XXXX XXXX XXXX XXXX  Balance {$160.00} Balance updated - Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. \n\nXXXX These lenders have accessed your credit file : XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX records This is where public records, such as bankruptcies, would appear on your report. \nowl-branch When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. \n\nNegotiating the debt Disputing the debt XXXXXXXX XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that can help you understand your credit report and answer personal finance and credit questions! \nXXXX  Terms of Use Disclosure : By using this XXXX, you consent to the collection and use of the conversation. XXXX is from publicly available material. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal information Name XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statements No Statement ( XXXX ) present at this time Quick actions Manage XXXX XXXX Print your report File a dispute Build credit without debt! Meet the XXXX XXXX XXXX XXXX Checking Account. \nBanking services provided by XXXX XXXX XXXX XXXX, XXXX FDIC. XXXX is not a bank. \nYou have XXXX openaccounts Total balance : {$10000.00} Credit cards or credit lines Total balance : {$110.00} Build your credit with a new credit card Adding another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. \nnew credit card XXXX XXXX XXXX XXXX XXXX Balance {$110.00} Balance updated XX/XX/XXXX XXXX closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nAuto loans or leases Total balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX NEGATIVE Balance {$10000.00} Balance updated XX/XX/XXXX XXXX closed account Your auto benefits XXXX XXXX with confidence Unlock personalized savings, recall notifications and current value estimates when you confirm your vehicle. \n\nConfirm your vehicle Personal loans Total balance : - XXXX XXXX XXXX XXXX  Balance - Balance updated - XXXX closed account XXXX XXXX has no collections on file for you as of XX/XX/XXXX. If you fall behind on payments, your lender or service provider XXXX sell your debt to a collections agency, so remember to pay on time. \nXXXX These lenders have accessed your credit file : XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. \nLock your XXXX credit file to help prevent identity theft. \n\nManage access file unlocked Keep in mind, not all inquiries are factored into your XXXX  Score. Inquiries stay on your credit report for XXXX years but only impact your XXXX  Score for the first year. Also, XXXX XXXX group loan inquiries together so you aren't penalized for shopping for a better rate. \n\nXXXX records XXXX credit report XXXX XXXX XXXX As of XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statements No Statement ( XXXX ) present at this time Quick actions Print your report File a dispute You have XXXX openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} XXXX closed account Installment accounts Total balance : {$15000.00} XXXX closed accounts Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nXXXX Total balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY Balance {$190.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$160.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. \n\nXXXX These lenders have accessed your credit file : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX records This is where public records, such as bankruptcies, would appear on your report. \n\n\nINFORMATION INCLUDED DOES NOT MATCH ON ALL XXXX CREDIT REPORTS INCORRECT NAME AND PERSONAL INFORMATION AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY REPORT I NEVER GAVE PERMISSION FOR ANYTHING OF MY INFORMATION TO BE REPORTED BY ANY OF THE COMPANYS LISTED IN THE ABOVE INFORMATION LISTED","date_sent_to_company":"2024-09-05T18:10:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20032","tags":null,"has_narrative":true,"complaint_id":"10027490","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-05T18:10:21.000Z","state":"DC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>INFORMATION</em> INCLUDED DOES NOT MATCH ON ALL XXXX CREDIT <em>REPORTS</em> <em>INCORRECT</em> NAME AND PERSONAL <em>INFORMATION</em> AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY <em>REPORT</em> I NEVER GAVE PERMISSION FOR ANYTHING OF MY <em>INFORMATION</em> TO BE <em>REPORTED</em> BY ANY OF THE COMPANYS LISTED IN THE ABOVE <em>INFORMATION</em> LISTED"],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[10.742014,"10027490"]},{"_index":"complaint-public-v1","_id":"16896421","_score":10.736116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXX, I have been dealing with errors on my credit report which have resulted from incorrect reporting. These errors have prevented me from being able to obtain loans, financing for vehicles, apartment leases, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything. \nAbout 2 years ago, I started looking into buying a new vehicle and possibly a home. Little did I know that my credit report was peppered with fraudulent accounts from apparent identity theft which had occurred as a result of data breaches from both Equifax and Transunion. I signed up with a commercial service to help repair my credit. Their advertising said they would dispute the inaccurate items and have them removed from my credit reports and that my credit score would go up over XXXX points in very little time. I took them at their word. \nI signed up for their most expensive program which entailed a fake line of credit, a small savings account, and a secured credit card, all of which required monthly payments around {$50.00}. For this, they would show an open line of credit on my credit report of {$3500.00} with {$0.00} utilization. They said they would also draft and send 5 dispute letters/month to have the negative items removed from my credit reports. I have, until recently, continued with their service for close to 2 years. After seeing almost no change in my credit score, and noticing the dispute letters they sent were largely ineffective, I cancelled my membership in their program. \nOut of necessity I have begun to educate myself in all things credit in an attempt to self-regulate the erroneous information preventing me from accessing credit. In only a few short weeks I have been able to learn enough to dispute these things myself. I am able to cite the specific consumer laws that are in violation on my credit reports within each credit reporting bureau currently. I have filed, many times over, disputes with the 3 main reporting bureaus : Experian, Transunion, and Equifax ; however, it is only recently that I have been able to cite the specific USC laws that each are knowingly and willfully violating. In my previous disputes they have always simply stated that the account is aligned with the FCRA and to my knowledge they have not investigated a single dispute until XX/XX/XXXX. I then submitted a dispute online and cited XXXX of the XXXX violations and got their attention. Apparently it got the attention of the debt collector as well because they finally responded with a print out of a credit card statement and tried to assert that this was valid proof of a contract with my wettened signature. As we all know, this is not valid proof of any type of contract I have with this debt buyer. They are not being forthcoming about he contract and its worth or who is on the contract or any of the required information aside from the fact that it is not my debt. \nOn XX/XX/XXXX, I requested validation of the all debts that are reported as collections or charge offs on my credit report. I sent, by way of certified mail, requests for proof of these debts to the companies which are listed on my credit reports as both creditors and collection agencies. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also sent to the 3 credit bureaus notices of the accounts which I am disputing with copies of my state issued driver 's license, social security card, and two current utility bills showing my correct address. The credit bureaus also received a copy of the police report, which I filed with the XXXX, regarding the identity theft. I placed security freezes on all of my accounts and locked my credit files with the 3 main bureaus. \nAdditionally, I also am disputing several hard inquiries which I do not recognize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA section 604 ( a ) ( 2 ), this is also a violation of my rights as I did not give permission to disclose my credit to these credit card companies.\n\nI know that federal law states that if identity theft occurs and a person sends the proper notification of that to the credit bureaus they are supposed to delete the accounts in question within four ( 4 ) days. I mailed out envelopes containing all this information to the credit bureaus on XX/XX/XXXX. Only one, Experian, is showing that they have received this information and placed these accounts under dispute. It has been over 4 days and they are not removed yet as of XX/XX/XXXX. This has been far longer than 4 days allowed by federal law. \nThis is only one violation, despite being provided with the proper information about this data breach, they still have not removed these accounts. Aside from that, across all three credit reporting bureaus there are many many errors on my credit reports and I have addressed this with the bureaus. They have still not deleted these incorrect accounts. They are in violation of these specific things : double reporting accounts, reporting incorrect/inaccurate information on accounts, re-aging old accounts, refusing to verify information, and taking more than 30 days to delete incorrect information. This is the case across all three of the credit reporting bureaus. Specifically, I can cite : 15 USC 1681B, 15 USC 1681 ( c-2 ), 15 USC 1692g , 15 USC 1692e ( 2 ), and others as just some of the consumers laws that are being violated here. \nI am filing this complaint with your office today to hopefully get some type of remedy to this injustice. I am being denied credit and loans and opportunity because of their refusal to obey the federal consumer laws put into place to protect us from just such an offense.","date_sent_to_company":"2025-10-29T19:28:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"42104","tags":null,"has_narrative":true,"complaint_id":"16896421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-29T19:27:57.000Z","state":"KY","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":["Since XXXX, I have been dealing with errors on my credit <em>report</em> which have resulted from <em>incorrect</em> <em>reporting</em>. These errors have prevented me from being able to obtain <em>loans</em>, financing for <em>vehicles</em>, apartment <em>leases</em>, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[10.736116,"16896421"]},{"_index":"complaint-public-v1","_id":"10030008","_score":10.720548,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX Employers XXXX XXXX XXXXXXXX Personal Statements No Statement ( XXXX ) present at this time Quick actions Print your report File a dispute You have XXXX openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} XXXX closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nInstallment accounts Total balance : {$15000.00} XXXX closed accounts 1collection Total balance : {$160.00} ONLINE INFORMATION S Original creditor XXXXXXXX XXXX XXXX XXXX Balance {$160.00} Balance updated - Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. \n\nXXXX These lenders have accessed your credit file : XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX records This is where public records, such as bankruptcies, would appear on your report. \nXXXX  When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. \n\nNegotiating the debt Disputing the debt XXXX branch Chat with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat can help you understand your credit report and answer personal finance and credit questions! \nChatbot Terms of XXXX XXXX : By using this chatbot, you consent to the collection and use of the conversation. XXXX is from publicly available material. \n\n\n\nXXXX  credit report XXXX XXXX As of XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX POOR XXXX XXXX XXXX XXXX XXXX XXXX Personal information Name XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Personal XXXX XXXX Statement ( XXXX ) present at this time Quick actions Manage XXXX XXXX Print your report File a dispute Build credit without debt! Meet the XXXX XXXX XXXX XXXX Checking Account. \nBanking services provided by XXXX XXXX XXXX Bank, XXXX FDIC. XXXX is not a bank. \nYou have XXXX openaccounts Total balance : {$10000.00} Credit cards or credit lines Total balance : {$110.00} XXXX your credit with a new credit card Adding another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. \nnew credit card SELF FINANCIAL/LEAD BA POTENTIALLY NEGATIVE Balance {$110.00} Balance updated XX/XX/XXXX XXXX closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nAuto loans or leases Total balance : {$10000.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$10000.00} Balance updated XX/XX/XXXX XXXX closed account Your auto benefits XXXX XXXX with confidence Unlock personalized savings, recall notifications and current value estimates when you confirm your vehicle. \n\nConfirm your vehicle Personal loans Total balance : - SELF/ATLANTIC CAPITAL XXXX PAYMENT Balance - Balance updated - XXXX closed account XXXX XXXX has no collections on file for you as of XX/XX/XXXX. If you fall behind on payments, your lender or service provider XXXX sell your debt to a collections agency, so remember to pay on time. \nXXXX These lenders have accessed your credit file : THD/CBNA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. \nLock your XXXX credit file to help prevent identity theft. \n\nManage access file unlocked Keep in mind, not all inquiries are factored into your FICO Score. Inquiries stay on your credit report for XXXX years but only impact your FICO Score for the first year. Also, XXXX XXXX group loan inquiries together so you aren't penalized for shopping for a better rate. \n\nXXXX records TransUnion credit report XXXX XXXX XXXX As of XX/XX/XXXX XXXX Logo TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX XXXX Personal Statements No Statement ( XXXX ) present at this time Quick actions Print your report File a dispute You have XXXX openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} XXXX closed account Installment accounts Total balance : {$15000.00} XXXX closed accounts Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nXXXX Total balance : {$360.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Balance {$190.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$160.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. \n\nXXXX These lenders have accessed your credit file : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX records This is where public records, such as bankruptcies, would appear on your report. \n\n\nINFORMATION INCLUDED DOES NOT MATCH ON ALL XXXX CREDIT REPORTS INCORRECT NAME AND PERSONAL INFORMATION AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY REPORT I NEVER GAVE PERMISSION FOR ANYTHING OF MY INFORMATION TO BE REPORTED BY ANY OF THE COMPANYS LISTED IN THE ABOVE INFORMATION LISTED","date_sent_to_company":"2024-09-05T18:10:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20032","tags":null,"has_narrative":true,"complaint_id":"10030008","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-05T18:10:21.000Z","state":"DC","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>INFORMATION</em> INCLUDED DOES NOT MATCH ON ALL XXXX CREDIT <em>REPORTS</em> <em>INCORRECT</em> NAME AND PERSONAL <em>INFORMATION</em> AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY <em>REPORT</em> I NEVER GAVE PERMISSION FOR ANYTHING OF MY <em>INFORMATION</em> TO BE <em>REPORTED</em> BY ANY OF THE COMPANYS LISTED IN THE ABOVE <em>INFORMATION</em> LISTED"],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[10.720548,"10030008"]},{"_index":"complaint-public-v1","_id":"16896925","_score":10.719237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXX, I have been dealing with errors on my credit report which have resulted from incorrect reporting. These errors have prevented me from being able to obtain loans, financing for vehicles, apartment leases, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything. \nAbout 2 years ago, I started looking into buying a new vehicle and possibly a home. Little did I know that my credit report was peppered with fraudulent accounts from apparent identity theft which had occurred as a result of data breaches from both Equifax and Transunion. I signed up with a commercial service to help repair my credit. Their advertising said they would dispute the inaccurate items and have them removed from my credit reports and that my credit score would go up over XXXX points in very little time. I took them at their word. \nI signed up for their most expensive program which entailed a fake line of credit, a small savings account, and a secured credit card, all of which required monthly payments around {$50.00}. For this, they would show an open line of credit on my credit report of {$3500.00} with {$0.00} utilization. They said they would also draft and send 5 dispute letters/month to have the negative items removed from my credit reports. I have, until recently, continued with their service for close to 2 years. After seeing almost no change in my credit score, and noticing the dispute letters they sent were largely ineffective, I cancelled my membership in their program. \nOut of necessity I have begun to educate myself in all things credit in an attempt to self-regulate the erroneous information preventing me from accessing credit. In only a few short weeks I have been able to learn enough to dispute these things myself. I am able to cite the specific consumer laws that are in violation on my credit reports within each credit reporting bureau currently. I have filed, many times over, disputes with the 3 main reporting bureaus : Experian, Transunion, and Equifax ; however, it is only recently that I have been able to cite the specific USC laws that each are knowingly and willfully violating. In my previous disputes they have always simply stated that the account is aligned with the FCRA and to my knowledge they have not investigated a single dispute until XX/XX/XXXX. I then submitted a dispute online and cited XXXX of the XXXX violations and got their attention. Apparently it got the attention of the debt collector as well because they finally responded with a print out of a credit card statement and tried to assert that this was valid proof of a contract with my wettened signature. As we all know, this is not valid proof of any type of contract I have with this debt buyer. They are not being forthcoming about he contract and its worth or who is on the contract or any of the required information aside from the fact that it is not my debt. \nOn XX/XX/XXXX, I requested validation of the all debts that are reported as collections or charge offs on my credit report. I sent, by way of certified mail, requests for proof of these debts to the companies which are listed on my credit reports as both creditors and collection agencies. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also sent to the 3 credit bureaus notices of the accounts which I am disputing with copies of my state issued driver 's license, social security card, and two current utility bills showing my correct address. The credit bureaus also received a copy of the police report, which I filed with the XXXX, regarding the identity theft. I placed security freezes on all of my accounts and locked my credit files with the 3 main bureaus. \nAdditionally, I also am disputing several hard inquiries which I do not recognize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA section 604 ( a ) ( 2 ), this is also a violation of my rights as I did not give permission to disclose my credit to these credit card companies.\n\nI know that federal law states that if identity theft occurs and a person sends the proper notification of that to the credit bureaus they are supposed to delete the accounts in question within four ( 4 ) days. I mailed out envelopes containing all this information to the credit bureaus on XX/XX/XXXX. Only one, Experian, is showing that they have received this information and placed these accounts under dispute. It has been over 4 days and they are not removed yet as of XX/XX/XXXX. This has been far longer than 4 days allowed by federal law. \nThis is only one violation, despite being provided with the proper information about this data breach, they still have not removed these accounts. Aside from that, across all three credit reporting bureaus there are many many errors on my credit reports and I have addressed this with the bureaus. They have still not deleted these incorrect accounts. They are in violation of these specific things : double reporting accounts, reporting incorrect/inaccurate information on accounts, re-aging old accounts, refusing to verify information, and taking more than 30 days to delete incorrect information. This is the case across all three of the credit reporting bureaus. Specifically, I can cite : 15 USC 1681B, 15 USC 1681 ( c-2 ), 15 USC 1692g , 15 USC 1692e ( 2 ), and others as just some of the consumers laws that are being violated here. \nI am filing this complaint with your office today to hopefully get some type of remedy to this injustice. I am being denied credit and loans and opportunity because of their refusal to obey the federal consumer laws put into place to protect us from just such an offense.","date_sent_to_company":"2025-10-29T19:28:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"42104","tags":null,"has_narrative":true,"complaint_id":"16896925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-29T19:09:45.000Z","state":"KY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Since XXXX, I have been dealing with errors on my credit <em>report</em> which have resulted from <em>incorrect</em> <em>reporting</em>. These errors have prevented me from being able to obtain <em>loans</em>, financing for <em>vehicles</em>, apartment <em>leases</em>, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[10.719237,"16896925"]},{"_index":"complaint-public-v1","_id":"16896705","_score":10.716506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXX, I have been dealing with errors on my credit report which have resulted from incorrect reporting. These errors have prevented me from being able to obtain loans, financing for vehicles, apartment leases, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything. \nAbout 2 years ago, I started looking into buying a new vehicle and possibly a home. Little did I know that my credit report was peppered with fraudulent accounts from apparent identity theft which had occurred as a result of data breaches from both Equifax and Transunion. I signed up with a commercial service to help repair my credit. Their advertising said they would dispute the inaccurate items and have them removed from my credit reports and that my credit score would go up over XXXX points in very little time. I took them at their word. \nI signed up for their most expensive program which entailed a fake line of credit, a small savings account, and a secured credit card, all of which required monthly payments around {$50.00}. For this, they would show an open line of credit on my credit report of {$3500.00} with {$0.00} utilization. They said they would also draft and send 5 dispute letters/month to have the negative items removed from my credit reports. I have, until recently, continued with their service for close to 2 years. After seeing almost no change in my credit score, and noticing the dispute letters they sent were largely ineffective, I cancelled my membership in their program. \nOut of necessity I have begun to educate myself in all things credit in an attempt to self-regulate the erroneous information preventing me from accessing credit. In only a few short weeks I have been able to learn enough to dispute these things myself. I am able to cite the specific consumer laws that are in violation on my credit reports within each credit reporting bureau currently. I have filed, many times over, disputes with the 3 main reporting bureaus : Experian, Transunion, and Equifax ; however, it is only recently that I have been able to cite the specific USC laws that each are knowingly and willfully violating. In my previous disputes they have always simply stated that the account is aligned with the FCRA and to my knowledge they have not investigated a single dispute until XX/XX/XXXX. I then submitted a dispute online and cited XXXX of the XXXX violations and got their attention. Apparently it got the attention of the debt collector as well because they finally responded with a print out of a credit card statement and tried to assert that this was valid proof of a contract with my wettened signature. As we all know, this is not valid proof of any type of contract I have with this debt buyer. They are not being forthcoming about he contract and its worth or who is on the contract or any of the required information aside from the fact that it is not my debt. \nOn XX/XX/XXXX, I requested validation of the all debts that are reported as collections or charge offs on my credit report. I sent, by way of certified mail, requests for proof of these debts to the companies which are listed on my credit reports as both creditors and collection agencies. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also sent to the 3 credit bureaus notices of the accounts which I am disputing with copies of my state issued driver 's license, social security card, and two current utility bills showing my correct address. The credit bureaus also received a copy of the police report, which I filed with the XXXX, regarding the identity theft. I placed security freezes on all of my accounts and locked my credit files with the 3 main bureaus. \nAdditionally, I also am disputing several hard inquiries which I do not recognize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA section 604 ( a ) ( 2 ), this is also a violation of my rights as I did not give permission to disclose my credit to these credit card companies.\n\nI know that federal law states that if identity theft occurs and a person sends the proper notification of that to the credit bureaus they are supposed to delete the accounts in question within four ( 4 ) days. I mailed out envelopes containing all this information to the credit bureaus on XX/XX/XXXX. Only one, Experian, is showing that they have received this information and placed these accounts under dispute. It has been over 4 days and they are not removed yet as of XX/XX/XXXX. This has been far longer than 4 days allowed by federal law. \nThis is only one violation, despite being provided with the proper information about this data breach, they still have not removed these accounts. Aside from that, across all three credit reporting bureaus there are many many errors on my credit reports and I have addressed this with the bureaus. They have still not deleted these incorrect accounts. They are in violation of these specific things : double reporting accounts, reporting incorrect/inaccurate information on accounts, re-aging old accounts, refusing to verify information, and taking more than 30 days to delete incorrect information. This is the case across all three of the credit reporting bureaus. Specifically, I can cite : 15 USC 1681B, 15 USC 1681 ( c-2 ), 15 USC 1692g , 15 USC 1692e ( 2 ), and others as just some of the consumers laws that are being violated here. \nI am filing this complaint with your office today to hopefully get some type of remedy to this injustice. I am being denied credit and loans and opportunity because of their refusal to obey the federal consumer laws put into place to protect us from just such an offense.","date_sent_to_company":"2025-10-29T19:28:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"42104","tags":null,"has_narrative":true,"complaint_id":"16896705","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-29T19:27:57.000Z","state":"KY","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":["Since XXXX, I have been dealing with errors on my credit <em>report</em> which have resulted from <em>incorrect</em> <em>reporting</em>. These errors have prevented me from being able to obtain <em>loans</em>, financing for <em>vehicles</em>, apartment <em>leases</em>, and even cell phones among many other things. Until recently, I have been largely uneducated about matters involving credit. I had no idea the importance of my credit score in relation to functioning in society and being able to purchase anything."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[10.716506,"16896705"]},{"_index":"complaint-public-v1","_id":"10030189","_score":10.648116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX credit report XXXX XXXX XXXX As of XX/XX/XXXX Fico Logo XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXXXXXX XXXX Personal Statements No Statement ( s ) present at this time Quick actions Print your report File a dispute You have 0 openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} 1 closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nInstallment accounts Total balance : {$15000.00} 2 closed accounts 1collection Total balance : {$160.00} ONLINE INFORMATION S Original creditor XXXX XXXX XXXX XXXX Balance {$160.00} Balance updated - Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. \n\n4inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX records This is where public records, such as bankruptcies, would appear on your report. \nXXXX When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. \n\nNegotiating the debt Disputing the debt XXXX XXXX Chat with XXXX XXXX XXXX XXXX I'm an XXXX chatbot that can help you understand your credit report and answer personal finance and credit questions! \nChatbot Terms of Use Disclosure : By using this chatbot, you consent to the collection and use of the conversation. Info is from publicly available material. \n\n\n\nbureau-white-logoexperian credit report XXXX XXXX As of XX/XX/XXXX Fico Logo Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Statements No Statement ( s ) present at this time Quick actions Manage Experian CreditLock Print your report File a dispute Build credit without debt! Meet the Experian XXXX XXXX XXXX Checking Account. \nBanking services provided by XXXX XXXXXXXX XXXX XXXX, Member FDIC. Experian is not a bank. \nYou have 0 openaccounts Total balance : {$10000.00} Credit cards or credit lines Total balance : {$110.00} Build your credit with a new credit card Adding another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. \nnew credit card XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$110.00} Balance updated XX/XX/XXXX 1 closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\nAuto loans or leases Total balance : {$10000.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$10000.00} Balance updated XX/XX/XXXX 1 closed account Your auto benefits : Drive with confidence Unlock personalized savings, recall notifications and current value estimates when you confirm your vehicle. \n\nConfirm your vehicle Personal loans Total balance : - XXXX XXXX LATE PAYMENT Balance - Balance updated - 1 closed account XXXX experian has no collections on file for you as of XX/XX/XXXX. If you fall behind on payments, your lender or service provider may sell your debt to a collections agency, so remember to pay on time. \n1inquiry These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. \nLock your Experian credit file to help prevent identity theft. \n\nManage access file unlocked Keep in mind, not all inquiries are factored into your FICO Score. Inquiries stay on your credit report for two years but only impact your FICO Score for the first year. Also, FICO may group loan inquiries together so you aren't penalized for shopping for a better rate. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statements No Statement ( s ) present at this time Quick actions Print your report File a dispute You have 0 openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} 1 closed account Installment accounts Total balance : {$15000.00} 2 closed accounts Late payments stay on your report for 7 years, but they typically affect your score less over time. \n\n2collections Total balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. \n\n7inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is where public records, such as bankruptcies, would appear on your report. \n\n\nINFORMATION INCLUDED DOES NOT MATCH ON ALL 3 CREDIT REPORTS INCORRECT NAME AND PERSONAL INFORMATION AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY REPORT I NEVER GAVE PERMISSION FOR ANYTHING OF MY INFORMATION TO BE 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