{"took":152,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":210,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14317237","_score":21.214163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply XXXX result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA XXXX681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX XXXXXXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA XXXX681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated.\n\nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-06-26T17:26:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14317237","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-26T17:21:29.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply may result in legal action for negligent or <em>willful</em> noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately <em>reporting</em> late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my <em>credit</em> profile. Under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> Sections 602 ( A ) and 607 ( B ), you are required to maintain and <em>report</em> only accurate and verifiable information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.214163,"14317237"]},{"_index":"complaint-public-v1","_id":"14317012","_score":21.214163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply XXXX result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA XXXX681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX XXXXXXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA XXXX681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated.\n\nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-06-26T17:26:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14317012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-26T17:26:22.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply may result in legal action for negligent or <em>willful</em> noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately <em>reporting</em> late payment. \nI have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my <em>credit</em> profile. Under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> Sections 602 ( A ) and 607 ( B ), you are required to maintain and <em>report</em> only accurate and verifiable information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.214163,"14317012"]},{"_index":"complaint-public-v1","_id":"14315877","_score":21.214163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX  XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \n\nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-06-26T17:45:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14315877","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T17:45:11.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply may result in legal action for negligent or <em>willful</em> noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately <em>reporting</em> late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my <em>credit</em> profile. Under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> Sections 602 ( A ) and 607 ( B ), you are required to maintain and <em>report</em> only accurate and verifiable information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.214163,"14315877"]},{"_index":"complaint-public-v1","_id":"14316058","_score":21.198744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX  XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \n\nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-06-26T17:45:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14316058","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T17:40:45.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply may result in legal action for negligent or <em>willful</em> noncompliance. \nXXXX XXXX - XXXX - This is a paid account that is inaccurately <em>reporting</em> late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my <em>credit</em> profile. Under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> Sections 602 ( A ) and 607 ( B ), you are required to maintain and <em>report</em> only accurate and verifiable information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.198744,"14316058"]},{"_index":"complaint-public-v1","_id":"14303481","_score":21.09174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT ED/XXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply may result in legal action for negligent or willful noncompliance. \nXXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX XXXXXXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C.\n\n1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. \nXXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-06-26T17:39:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29301","tags":null,"has_narrative":true,"complaint_id":"14303481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-26T17:38:39.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply may result in legal action for negligent or <em>willful</em> noncompliance. \nDPT EDXXXX - XXXX - This is a paid account that is inaccurately <em>reporting</em> late payment. I have an excellent and consistent payment history, and this derogatory mark is false, misleading, and damaging to my <em>credit</em> profile. Under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> Sections 602 ( A ) and 607 ( B ), you are required to maintain and <em>report</em> only accurate and verifiable information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.09174,"14303481"]},{"_index":"complaint-public-v1","_id":"18297510","_score":20.601597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Product / Service : XXXX XXXX XXXX XXXX Account Number / Reference : [ XXXX ] Complaint I am formally disputing the accuracy of my Early Warning Services ( EWS ) consumer report. I have reviewed my report and identified inaccurate and unverified information regarding alleged account closures and banking history.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, you are legally obligated to ensure all information reported is accurate and verifiable. Any reporting of inaccurate or unverifiable information constitutes a willful violation of federal law.\n\nSpecifically, I demand the following actions immediately : 1. Full investigation and verification of all accounts or flags listed under my name or Social Security number.\n\n2. Removal of any unverified, inaccurate, or fraudulent information from all consumer reporting databases.\n\n3. Written confirmation that the disputed items have been removed or corrected.\n\nReporting unverified or false information violates the FCRA, specifically : - 1681e ( b ) - duty to maintain accurate information - 1681i ( a ) - duty to investigate disputed information - 1681s-2 ( a ) & ( b ) - furnishing inaccurate information to consumer reporting agencies Failure to immediately investigate and remove inaccurate information will leave me no choice but to pursue all available remedies, including : - Filing additional complaints with the CFPB and State Attorney General- Legal action for actual and statutory damages under federal law- Reporting willful noncompliance to regulatory authorities All future communication must be in writing only and sent to the address listed above. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-26T17:09:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"18297510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-26T17:08:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S.C. 1681-1681x, you are legally obligated to ensure all information <em>reported</em> is accurate and verifiable. Any <em>reporting</em> of inaccurate or unverifiable information constitutes a <em>willful</em> <em>violation</em> of federal law.\n\n<em>Specifically</em>, I demand the following actions immediately : 1. Full investigation and verification of all accounts or flags listed under my name or Social Security number.\n\n2."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[20.601597,"18297510"]},{"_index":"complaint-public-v1","_id":"10495704","_score":19.55068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Final Warning Dispute Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 1681e ( b ) This letter serves as my final warning to Experian regarding the 10 inaccurate accounts listed on my credit report. I have previously disputed these accounts, yet you continue to report them despite your obligation under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 1681e ( b ).\n\nIt is evident that your investigation into my dispute was both lazy and inadequate. By relying on the automated e-OSCAR system to handle the investigation, you have completely failed to meet your statutory obligations to conduct a thorough and reasonable review of the disputed information. The law demands that Experian use reasonable procedures to ensure maximum possible accuracy, and this reliance on an automated system is a blatant violation of FCRA 1681e ( b ).\n\nAdditionally, when you claim to have updated the information in response to my dispute, the reality is that no such update was made. The accounts remain exactly as they were, and this false representation is yet another violation of your responsibilities under the FCRA. You are required by law to remove or correct inaccurate and unverifiable information. Continuing to report these accounts in their current form is not only misleading, but also a clear demonstration of your willful disregard for federal consumer protection laws. \n\nIf you do not delete these 10 accounts from my credit report immediately, I will have no choice but to escalate this matter further. I am prepared to file a lawsuit against Experian for willful non-compliance with the FCRA, and I will also be notifying the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) of your violations.\n\nThis is your final opportunity to correct your errors and comply with the law. I expect confirmation of the removal of the disputed accounts from my credit report within [ set a reasonable time, e.g., 10 days ]. Failure to do so will result in legal action without further notice.\n\nThis version emphasizes that Experians reliance on e-OSCAR violates their duty to conduct a proper investigation, while also addressing their failure to update or remove the incorrect information. The letter warns of legal action if the issues are not corrected promptly.","date_sent_to_company":"2024-10-19T05:57:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77017","tags":null,"has_narrative":true,"complaint_id":"10495704","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-19T05:48:23.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Final <em>Warning</em> Dispute Under <em>FCRA</em> 605B ( 15 U.S.C. 1681c-2 ) and <em>FCRA</em> 1681e ( b ) This letter serves as my final <em>warning</em> to Experian regarding the 10 inaccurate accounts listed on my <em>credit</em> <em>report</em>. I have previously disputed these accounts, yet you continue to <em>report</em> them despite your obligation under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 605B ( 15 U.S.C. 1681c-2 ) and 1681e ( b ).\n\nIt is evident that your investigation into my dispute was both lazy and inadequate."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.55068,"10495704"]},{"_index":"complaint-public-v1","_id":"7770518","_score":19.177097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Early Warning Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for unlawfully obtaining my consumer file without my authorization or permissible purpose under the FCRA. SEE 15 U.S. Code 1681 ( b ). Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purposes unless - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified inaccordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S. Code 1681b ( f ). Chester v. Purvis 260F. Supp. 2d 711 ( SD Ind. 2003 ). 15 US Code 1681b Permissible Permissions of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 1 ) in response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand jury, or subpoena issued in according to section 5318 of title 31 or section 3486 of title 18, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I have not initiated any transaction with Early Warning Services Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with Early Warning Services for review or collection, not have I given any express permission to report any accounts I deem to be impacting me negatively/damaging my consumer reputation. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C 1681q. I and demanding the following accounts be removed effective immediately from my early warning reports. \n\nAny and all accounts associated with XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be removed from my repairers as I have not consented to any reporting on these accounts nor has early warning conducted any proper investigation or administrative process to confirm these reports are accurate.","date_sent_to_company":"2023-10-28T18:44:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33138","tags":null,"has_narrative":true,"complaint_id":"7770518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-10-28T18:33:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Early <em>Warning</em> Services is in <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S. Code 1681, for unlawfully obtaining my consumer file without my authorization or permissible purpose under the <em>FCRA</em>. SEE 15 U.S. Code 1681 ( b )."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[19.177097,"7770518"]},{"_index":"complaint-public-v1","_id":"14426822","_score":19.171656,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXX XXXX However, without providing the statutorily required notice and certifications, XXXX  reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-02T03:56:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08701","tags":null,"has_narrative":true,"complaint_id":"14426822","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-02T03:47:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 )."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.171656,"14426822"]},{"_index":"complaint-public-v1","_id":"18056556","_score":19.089266,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT NARRATIVE FOR CFPB SUBMISSION Consumer : XXXX XXXX XXXX : Early Warning Services , LLC Dispute Case ID : XXXX Disputed Account : XXXX  XXXX XXXX ( Ending in XXXX ) Subject : Violation of FCRA Failure to Conduct Reasonable Reinvestigation and Contradictory Verification Claims To the Consumer Financial Protection Bureau : I am filing this formal complaint against Early Warning Services ( EWS ) for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which mandates a \" reasonable reinvestigation '' of disputed information. \n\nThe Violation : On XX/XX/year>, Early Warning Services concluded a reinvestigation into a disputed XXXX  XXXX XXXX account ( Case ID : XXXX ). In their final results, they stated : \" It has been determined that the information contained in your file is accurate and complete ''. \n\n\n\n\nHowever, in a separate letter dated the exact same day ( XX/XX/year> ) regarding the same dispute, Early Warning Services explicitly admitted : \" Early Warning does not have access to account documentation that resides within your Financial Institution '' and \" Therefore, we are unable to provide copies of documents that your Financial Institution maintains ''.\n\nLegal Argument : Failure to Review Relevant Information ( 15 U.S.C. 1681i ) : I previously submitted documentation proving the inaccuracy of this account. By their own admission, XXXX does not access or review the underlying account documentation residing with the financial institution. Therefore, they failed to review \" all relevant information '' submitted by the consumer as required by law. \n\nFalse Certification of Accuracy : It is legally and logically impossible for XXXX to certify that a file is \" accurate and complete '' while simultaneously admitting they have \" no access '' to the documents required to verify that accuracy. This indicates they merely \" parroted '' the data furnishers automated response without conducting the independent investigation required by the FCRA. \n\n\nRequested Resolution : XXXX  has proven they are procedurally incapable of verifying the factual accuracy of this account against the actual bank records. Because the investigation was a sham and contradictory on its face : I request the CFPB order Early Warning Services to assign a new investigator to this matter immediately. \n\nI demand the immediate deletion of the XXXX XXXX XXXX account ( ending in XXXX ) from my consumer report, as the bureau has admitted they can not verify the underlying documentation.","date_sent_to_company":"2025-12-03T22:12:59.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"17057","tags":null,"has_narrative":true,"complaint_id":"18056556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-03T22:08:36.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["COMPLAINT NARRATIVE FOR CFPB SUBMISSION Consumer : XXXX XXXX XXXX : Early <em>Warning</em> Services , LLC Dispute Case ID : XXXX Disputed Account : XXXX  XXXX XXXX ( Ending in XXXX ) Subject : <em>Violation</em> of <em>FCRA</em> Failure to Conduct Reasonable Reinvestigation and Contradictory Verification Claims To the Consumer Financial Protection Bureau : I am filing this formal complaint against Early <em>Warning</em> Services ( EWS ) for <em>willfully</em> <em>violating</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.089266,"18056556"]},{"_index":"complaint-public-v1","_id":"14908721","_score":19.076233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.\n\nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-28T00:58:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"14908721","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-28T00:50:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.076233,"14908721"]},{"_index":"complaint-public-v1","_id":"14794587","_score":19.076233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.\n\nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX  XXXX","date_sent_to_company":"2025-07-23T02:13:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92223","tags":null,"has_narrative":true,"complaint_id":"14794587","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-23T02:09:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.076233,"14794587"]},{"_index":"complaint-public-v1","_id":"14260154","_score":19.076233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, XXXX  reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. XXXX  has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX  XXXX  XXXX","date_sent_to_company":"2025-06-25T01:16:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"14260154","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T01:10:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.076233,"14260154"]},{"_index":"complaint-public-v1","_id":"14166981","_score":19.076233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed this account on XXXX XXXX, XXXX  and it was rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX","date_sent_to_company":"2025-06-20T00:45:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"14166981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-20T00:41:28.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed this account on XXXX XXXX, XXXX  and it was rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.076233,"14166981"]},{"_index":"complaint-public-v1","_id":"18032242","_score":19.07365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.\n\n1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. \nTransunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself.\n\nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not\nresolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-15T03:44:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90504","tags":null,"has_narrative":true,"complaint_id":"18032242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T03:30:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C.\n\n1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.07365,"18032242"]},{"_index":"complaint-public-v1","_id":"18032240","_score":19.07365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.\n\n1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. \nEquifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself.\n\nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-15T03:44:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90504","tags":null,"has_narrative":true,"complaint_id":"18032240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T03:30:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C.\n\n1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.07365,"18032240"]},{"_index":"complaint-public-v1","_id":"17560323","_score":19.066875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. \nXXXX ( a ) ( XXXX ). I disputed these accounts on XX/XX/year>2025 and they were rightfully removed by XX/XX/year>2025. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. \nExperian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C.XX/XX/XXXXn","date_sent_to_company":"2025-11-27T04:25:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"17560323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-27T04:19:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. \nXXXX ( a ) ( XXXX ). I disputed these accounts on XX/XX/year>2025 and they were rightfully removed by XX/XX/year>2025."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.066875,"17560323"]},{"_index":"complaint-public-v1","_id":"15059327","_score":19.066875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/2025 and they were rightfully removed by XX/XX/2025. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX  XXXX","date_sent_to_company":"2025-08-05T02:21:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08701","tags":null,"has_narrative":true,"complaint_id":"15059327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-05T01:43:54.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/2025 and they were rightfully removed by XX/XX/2025."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.066875,"15059327"]},{"_index":"complaint-public-v1","_id":"14628597","_score":19.066875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXXXXXX XXXX. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.\n\nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-07-15T02:30:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08701","tags":null,"has_narrative":true,"complaint_id":"14628597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-15T02:25:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXXXXXX XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.066875,"14628597"]},{"_index":"complaint-public-v1","_id":"14278692","_score":19.066875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-06-26T01:23:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"14278692","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T01:03:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.066875,"14278692"]},{"_index":"complaint-public-v1","_id":"14165940","_score":19.066875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed this account on XX/XX/year> and it was rightfully removed by XXXX XXXX, XXXX. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n Chase-XXXX  XXXX","date_sent_to_company":"2025-06-20T00:45:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"14165940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-20T00:41:29.000Z","state":"AZ","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed this account on XX/XX/year> and it was rightfully removed by XXXX XXXX, XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.066875,"14165940"]},{"_index":"complaint-public-v1","_id":"14145654","_score":19.066875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.\n\nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as\npermitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-06-19T01:33:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10977","tags":null,"has_narrative":true,"complaint_id":"14145654","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-19T01:28:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.066875,"14145654"]},{"_index":"complaint-public-v1","_id":"14961157","_score":19.06398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. \nXXXX ( a ) ( XXXX ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXX, 2025. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. \nTransunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under XXXX U.S.C. XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-07-29T07:01:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08701","tags":null,"has_narrative":true,"complaint_id":"14961157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T05:23:35.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> XXXX XXXX. \nXXXX ( a ) ( XXXX ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXX, 2025."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.06398,"14961157"]},{"_index":"complaint-public-v1","_id":"14938253","_score":19.06398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XXXX XXXX XXXX and they were rightfully removed by XXXX XXXX XXXX However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-07-30T03:16:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"14938253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-30T03:06:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 )."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.06398,"14938253"]},{"_index":"complaint-public-v1","_id":"14938127","_score":19.06398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. \nYOU HAVE BEEN SUED FOR THIS BEFORE. \nThis isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. \nDespite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. \nYour pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. \nDEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. \nIf this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-30T01:33:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"14938127","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-30T01:29:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This letter serves as my formal and final <em>warning</em> regarding your unlawful reinsertion of previously deleted account into my <em>credit</em> file, in clear and repeated <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>specifically</em> 15 U.S.C. 1681i ( a ) ( 5 ). \nI disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.06398,"14938127"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":210,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":210}]}},"product":{"doc_count":210,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":192,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":186},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":5},{"key":"Other debt","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":210,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":88,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":37},{"key":"Old information reappears or never goes away","doc_count":29},{"key":"Account information incorrect","doc_count":15},{"key":"Public record information inaccurate","doc_count":4},{"key":"Information is incorrect","doc_count":2},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":68,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":65},{"key":"Credit inquiries on your report that you don't recognize","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":33},{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":5}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":4}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees charged","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":210,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":209},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":210,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":138},{"key":"Closed with non-monetary relief","doc_count":72}]}},"submitted_via":{"doc_count":210,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":210}]}},"company":{"doc_count":210,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":61},{"key":"Experian Information Solutions Inc.","doc_count":58},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":50},{"key":"Early Warning Services, LLC","doc_count":12},{"key":"Resurgent Capital Services L.P.","doc_count":4},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":3},{"key":"CBC Companies, Inc.","doc_count":2},{"key":"JPMORGAN CHASE & CO.","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"4M Collections, LLC","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Advantage Credit, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"HireRight Solutions, Inc.","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"Recovery Management Solutions LLC","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1}]}},"state":{"doc_count":210,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":48},{"key":"CA","doc_count":37},{"key":"FL","doc_count":23},{"key":"NY","doc_count":12},{"key":"PA","doc_count":11},{"key":"SC","doc_count":11},{"key":"NJ","doc_count":10},{"key":"GA","doc_count":9},{"key":"MO","doc_count":7},{"key":"MI","doc_count":6},{"key":"CO","doc_count":5},{"key":"AZ","doc_count":4},{"key":"HI","doc_count":4},{"key":"DE","doc_count":3},{"key":"IL","doc_count":3},{"key":"MA","doc_count":3},{"key":"MS","doc_count":3},{"key":"TN","doc_count":3},{"key":"CT","doc_count":2},{"key":"NC","doc_count":2},{"key":"MD","doc_count":1},{"key":"NV","doc_count":1},{"key":"OH","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":210,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":109},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":6},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1}]}},"tags":{"doc_count":210,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":16},{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[19.06398,"14938127"],"3":[17.253088,"13022299"],"4":[15.965219,"14638891"],"5":[14.4924755,"17491878"],"6":[12.789006,"14685129"],"7":[12.122134,"14797115"],"8":[10.132435,"13964946"]}}}