{"took":238,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":127,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2584138","_score":16.89927,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and it includes entries like a Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, and multiple inquiries for credit I did not authorize. I contacted XXXX on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX- XXXX in the file XXXX maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I perceive theres an entry that states I filled a Chapter XXXX Bankruptcy in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested XXXX  to please validate this information with XXXX XXXX XXXX XXXX XXXX- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file that XXXX maintains under my Social Security number. I reminded XXXX that they had 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keep careful records of XXXX actions, including Equifaxs Method of Verification. I did not consent to XXXX or any means of automated verification. While XXXX conducted their investigation, I contacted the XXXX XXXX XXXX XXXX XXXX- XXXX via certified mail and return mail. In respond to my certified letter, the XXXX XXXX XXXX XXXX- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. Therefore, XXXX has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, XXXX has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police Department in XXXX, New Jersey to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries for credit, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. XXXX  has violated the FCRA and I request that immediate removal ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the XXXX XXXX XXXX XXXX- XXXX . XXXX  continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number when willing and knowingly reporting false or inaccurate information on their credit files bearing their Social Security number.","date_sent_to_company":"2017-07-25T04:55:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07712","tags":"Servicemember","has_narrative":true,"complaint_id":"2584138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-25T00:55:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Bearing in mind I received my annual <em>credit</em> <em>report</em>, I <em>noticed</em> that there were some erroneous <em>credit</em> inquiries that I did not authorized and it includes entries like a <em>Chapter</em> <em>XXXX</em> Bankruptcy, <em>Chapter</em> <em>XXXX</em> Bankruptcy, and multiple inquiries for <em>credit</em> I did not authorize."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.89927,"2584138"]},{"_index":"complaint-public-v1","_id":"2584115","_score":16.872559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and it includes entries like a Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, and multiple inquiries for credit I did not authorize. I contacted Equifax on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX- XXXX in the file Equifax maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Reference Number XXXX states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I perceive theres an entry listing Reference XXXXthat states I filled a Chapter XXXX Bankruptcy in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested Equifax to please validate this information with XXXX XXXX XXXX XXXX  XXXX- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file that Equifax maintains under my Social Security number. I reminded Equifax that they had 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keep careful records of Equifaxs actions, including Equifaxs Method of Verification. I did not consent to XXXX or any means of automated verification. While Equifax conducted their investigation, I contacted the XXXX XXXX XXXX XXXX  XXXX- XXXX via certified mail and return mail. In respond to my certified letter, the XXXX XXXX XXXX XXXX- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. Therefore, Equifax has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, XXXX has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police  Department in XXXX, XXXX XXXX  to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries for credit, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. Equifax has violated the FCRA and I request that immediate removal ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the XXXX XXXX XXXX  XXXX- XXXX XXXX Equifax continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number when willing and knowingly reporting false or inaccurate information on their credit files bearing their Social Security number.","date_sent_to_company":"2017-07-25T00:23:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07712","tags":"Servicemember","has_narrative":true,"complaint_id":"2584115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-24T23:40:26.000Z","state":"NJ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Bearing in mind I received my annual <em>credit</em> <em>report</em>, I <em>noticed</em> that there were some erroneous <em>credit</em> inquiries that I did not authorized and it includes entries like a <em>Chapter</em> <em>XXXX</em> Bankruptcy, <em>Chapter</em> <em>XXXX</em> Bankruptcy, and multiple inquiries for <em>credit</em> I did not authorize."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.872559,"2584115"]},{"_index":"complaint-public-v1","_id":"2584110","_score":16.82767,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and it includes entries like a Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, and multiple inquiries for credit I did not authorize. I contacted Experian on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX- XXXX in the file Experian maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I perceive theres an entry that states I filled a Chapter XXXX Bankruptcy in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested Experian to please validate this information with XXXX XXXX XXXX XXXX XXXX- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. I reminded Experian that they had 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keep careful records of Experians actions, including XXXX Method of Verification. I did not consent to XXXX or any means of automated verification. While Experian conducted their investigation, I contacted the XXXX XXXX XXXX XXXX XXXX- XXXX via certified mail and return mail. In respond to my certified letter, the XXXX XXXX XXXX XXXX- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. Therefore, Experian has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, Experian has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police Department in XXXX, New Jersey to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries for credit, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. Experian has violated the FCRA and I request that immediate removal ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the XXXX XXXX XXXX XXXX- XXXX XXXX Experian continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number when willing and knowingly reporting false or inaccurate information on their credit files bearing their Social Security number.","date_sent_to_company":"2017-07-25T04:55:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07712","tags":"Servicemember","has_narrative":true,"complaint_id":"2584110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-07-25T00:46:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Bearing in mind I received my annual <em>credit</em> <em>report</em>, I <em>noticed</em> that there were some erroneous <em>credit</em> inquiries that I did not authorized and it includes entries like a <em>Chapter</em> <em>XXXX</em> Bankruptcy, <em>Chapter</em> <em>XXXX</em> Bankruptcy, and multiple inquiries for <em>credit</em> I did not authorize."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.82767,"2584110"]},{"_index":"complaint-public-v1","_id":"2580962","_score":15.841122,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and a Chapter XXXX Bankruptcy. I contacted TransUnion on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , and New Jersey Federal Bankruptcy Court- XXXX in the file TransUnion maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Reference Number XXXX states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested TransUnion to please validate this information with New Jersey Federal Bankruptcy Court- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file TransUnion maintain under my Social Security number. I reminded TransUnion that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I kept careful records of TransUnions actions, including TransUnions Method of Verification. I did not consent to XXXX or any means of automated verification. While TransUnion conducted their investigation, I contacted the New Jersey Federal Bankruptcy Court- XXXX via certified mail and return mail. In respond to my certified letter, the New Jersey Federal Bankruptcy- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. In addition, I contacted XXXX XXXX XXXX, via certified mail, a third-party vendor that provide or sales public records to local, state, and federal courts to TransUnion. I requested a security freeze of the credit file they maintain under my Social Security number. XXXX XXXX XXXX placed the requested security freeze on the account bearing my Social Security number. TransUnion reported on XX/XX/XXXX that my account bearing my Social Security number was verified and information updated. Therefore, TransUnion has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, TransUnion has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police Department in XXXX, New Jersey to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. TransUnion has violated the FCRA and I request that remove ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the New Jersey Federal Bankruptcy- XXXX . TransUnion continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number.","date_sent_to_company":"2017-07-21T07:14:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07712","tags":"Servicemember","has_narrative":true,"complaint_id":"2580962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-21T02:35:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Bearing in mind I received my annual <em>credit</em> <em>report</em>, I <em>noticed</em> that there were some erroneous <em>credit</em> inquiries that I did not authorized and a <em>Chapter</em> <em>XXXX</em> Bankruptcy. I contacted TransUnion on XX/XX/<em>XXXX</em> via certified mail about the recently negative information <em>reported</em> by <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> , <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> , <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> , and New Jersey Federal Bankruptcy Court- <em>XXXX</em> in the file TransUnion maintains under my Social Security number."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.841122,"2580962"]},{"_index":"complaint-public-v1","_id":"11264668","_score":15.683927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that TransUnion has inaccurately deemed accurate. Despite this claim, the company furnishing the information has failed to provide proper certification of the debt. While they have provided a copy of an agreement, they have not certified that they possess or can produce the original document for my review or for review by a judge in court. As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. \nPlease be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions.\n\nYou are hereby given 30 days to cure this default and delete the inaccurate reporting. Failure to do so will leave me no choice but to pursue legal remedies, including but not limited to claims for : Violation of the Fair Credit Reporting Act ( FCRA ) Defamation of Character Violation of U.S. Code Title 18, Part 1, Chapter 63, Section 1341 ( Mail Fraud ) PLEASE SEE ATTACHED NOTICES","date_sent_to_company":"2024-12-24T22:17:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"11264668","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-24T22:08:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to do so will leave me no choice but to pursue legal remedies, including but not limited to claims for : Violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) Defamation of Character Violation of U.S. Code Title 18, Part 1, <em>Chapter</em> 63, Section 1341 ( Mail Fraud ) PLEASE SEE ATTACHED <em>NOTICES</em>"],"product":["<em>Credit</em> reporting or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.683927,"11264668"]},{"_index":"complaint-public-v1","_id":"2713138","_score":15.62271,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from Chase, stating \" We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between XXXX  and XXXX. XXXX is the score mentioned in the letter from Chase. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. \nI suspect Chase of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. \nI do not recall if Chase participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. \nIf I had known that the credit offer received through XXXX was from Chase, I would not have applied due their past spurious business practice.","date_sent_to_company":"2017-10-30T17:37:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79936","tags":"Older American","has_narrative":true,"complaint_id":"2713138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-10-26T22:39:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I was solicited <em>while</em> on line with my <em>XXXX</em> account. I was offered a <em>credit</em> card to use, as I understood, with my <em>XXXX</em> purchases. subsequently, I received written <em>notice</em> from Chase, stating \" We 're unable to approve your request for a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Signature at this time. '' I had <em>reviewed</em> my <em>credit</em> only and few days before and learned that the 3 <em>Credit</em> <em>Reporting</em> Agencies had scored my <em>credit</em> between <em>XXXX</em>  and <em>XXXX</em>. <em>XXXX</em> is the score mentioned in the letter from Chase."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.62271,"2713138"]},{"_index":"complaint-public-v1","_id":"2713139","_score":15.608903,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating \" We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. \nI suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. \nI do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. \nIf I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.","date_sent_to_company":"2017-10-28T13:39:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79936","tags":"Older American","has_narrative":true,"complaint_id":"2713139","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-27T00:32:01.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I was solicited <em>while</em> on line with my <em>XXXX</em> account. I was offered a <em>credit</em> card to use, as I understood, with my <em>XXXX</em> purchases. subsequently, I received written <em>notice</em> from <em>XXXX</em>, stating \" We 're unable to approve your request for a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Signature at this time. '' I had <em>reviewed</em> my <em>credit</em> only and few days before and learned that the 3 <em>Credit</em> <em>Reporting</em> Agencies had scored my <em>credit</em> between 700 and 733. <em>XXXX</em> is the score mentioned in the letter from <em>XXXX</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.608903,"2713139"]},{"_index":"complaint-public-v1","_id":"2941753","_score":15.089231,"_source":{"product":"Debt collection","complaint_what_happened":"Dear, Consumer Financial Protection Bureau I am writing to dispute the following information on a lien judgment. I recently discovered this while trying to refinance my house. The below debt was previously discharged by my bankruptcy. \nThe case number was XXXX. Discharge date XX/XX/17. By order of the United States Bankruptcy Court : XXXX District of XXXX, by the honorable Judge : XXXX XXXX XXXX Dispute 1 Account Number or other information to identify account : Citibank Credit Card account number is XXXX. Mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of claim was {$25000.00}. \n\nDebt sold by Citibank, to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. Phone : XXXX. Acct. number XXXX This creditor XXXX XXXX XXXX is now pursuing me, reporting bad debt and refusing to release Lien judgment.\n\nDebt was included in Bankruptcy that was Granted and Order Discharged by the United States Bankruptcy Court of XXXX XXXX on XX/XX/2017 Please review this and help me reach a favorable resolution. Your help is greatly appreciated. \n\nI have attached a copy of my bankruptcy papers with the account in question circled. \n\nThank you for your assistance. \n\nSincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX ( See attached copies 14 pgs. ) Order Of Bankruptcy Chapter XXXX Discharge Lien Judgment Schedule F Creditors List ( Listing XXXX XXXX XXXX ) Trustee Ledger ( Listing XXXX XXXX XXXX ) Notice of Chapter XXXX Trustees Interim Final Report ( Listing XXXX XXXX XXXX ) Creditor Mailing Matrix ( Listing XXXX XXXX XXXX. )","date_sent_to_company":"2018-06-20T23:37:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"91910","tags":null,"has_narrative":true,"complaint_id":"2941753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-06-20T23:37:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Sincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> ( See attached copies 14 pgs. ) Order Of Bankruptcy <em>Chapter</em> <em>XXXX</em> Discharge Lien Judgment Schedule F Creditors List ( Listing <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Trustee Ledger ( Listing <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) <em>Notice</em> of <em>Chapter</em> <em>XXXX</em> Trustees Interim Final <em>Report</em> ( Listing <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Creditor Mailing Matrix ( Listing <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. )"],"sub_product":["<em>Credit</em> card debt"]},"sort":[15.089231,"2941753"]},{"_index":"complaint-public-v1","_id":"9152719","_score":14.2466345,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I received notification my XXXX XXXX XXXX XXXX XXXX # XXXX ) was denied due to Bankruptcy. This information was derived from XXXX reporting agency on XX/XX/XXXX. If due diligence was conducted on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX the banking institution should have noticed my bankruptcy was XXXX on XX/XX/XXXX. I disclosed this fact on my initial application ( XX/XX/XXXX ). At no time was I notified by the loan application verbiage and loan informational pamphlets provided to me by XXXX  that having a Bankruptcy was a factor to deny credit. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX ( XXXX XXXX - XXXX # XXXX ) my loan proceeded ahead to the Underwriter and would take about XXXX days to process credit review. \n\nI recently purchased another home on XX/XX/XXXX ( XXXX Mortgage ) and refinanced my rental property on XX/XX/XXXX ( XXXX Mortgage ), financed XXXX vehicles, opened XXXX credit card, opened several installment accounts after my bankruptcy discharge date and during the 7 year reporting period for all credit agencies to report bankruptcies to financial institutions. Lastly, all of my debts to XXXX  were paid in full during my Chapter XXXX discharge ( XX/XX/XXXX ) and since then I have been denied credit by NFCU on several previous credit applications. \n\nI would like to know what makes XXXX different from other financial institutions approving loans after my bankruptcy discharge while XXXX denied my XXXX loan application which would be secured by my rental property? How many other XXXX  consumers have been approved for loans after filing for Chapter XXXX Bankruptcy? Lastly, I've been a faithful member of XXXX  since XXXX ; I use XXXX as my Primary Banking source to include processing all of my payroll direct deposits.","date_sent_to_company":"2024-06-02T10:47:24.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"77357","tags":"Servicemember","has_narrative":true,"complaint_id":"9152719","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-02T09:47:36.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Application denials"},"highlight":{"complaint_what_happened":["Lastly, all of my debts to <em>XXXX</em>  were paid in full during my <em>Chapter</em> <em>XXXX</em> discharge ( XX/XX/<em>XXXX</em> ) and since then I have been denied <em>credit</em> by NFCU on several previous <em>credit</em> applications. \n\nI would like to know what makes <em>XXXX</em> different from other financial institutions approving loans after my bankruptcy discharge <em>while</em> <em>XXXX</em> denied my <em>XXXX</em> loan application which would be secured by my rental property?"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["Home equity loan or line of <em>credit</em> (HELOC)"]},"sort":[14.2466345,"9152719"]},{"_index":"complaint-public-v1","_id":"17239114","_score":13.507261,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns serious issues regarding the accuracy, verification, and reporting practices associated with the Chapter XXXX bankruptcy public record, Ref : XXXX, that appears on my consumer credit reports. I am filing this complaint because the way this Chapter XXXX bankruptcy is being reported is inaccurate, misleading, and not verifiable according to the requirements set forth by the Fair Credit Reporting Act ( FCRA ). Additionally, the credit reporting agencies have failed to provide the legally required method of verification when I disputed the reporting, and the information appears to have been sourced from unreliable third-party vendors rather than the actual bankruptcy court. \n\nThe purpose of this narrative is to describe clearly and completely what happened, outline the steps I took to address the issue, identify the failures of the credit reporting agencies, and demonstrate why the reporting of this Chapter XXXX bankruptcy is unlawful and requires correction or deletion. My goal is not to dispute the existence of a prior Chapter XXXX filing, but rather to ensure that what appears on my credit report is : XXXX. Accurate XXXX. Court-verified XXXX. Legally sourced XXXX. Up-to-date XXXX. Reported in compliance with the FCRA Because this bankruptcy entry does not meet these standards and can not be verified using original court documents, its continued reporting constitutes a violation of federal law. \n\nXXXX. How I Discovered the Problem While reviewing my credit reports, I noticed that a Chapter XXXX bankruptcy, Ref : XXXX, was listed. However, from the very beginning, the listing appeared problematic : The date associated with the case was inconsistent across different credit bureaus. \n\nSome details were missing or incomplete. \n\nThe bureaus did not provide any original source information. \n\nThere was no indication that the bankruptcy court had been contacted. \n\nThe information did not match the official public record format I obtained from the court system. \n\nThese inconsistencies led me to question not the existence of the case itself, but the accuracy and verification of how the case was reported on my credit profile. \n\nXXXX. Courts Do NOT Report Bankruptcy Information to Credit Bureaus A critical fact in this situation is that bankruptcy courts do not furnish or verify bankruptcy information to credit reporting agencies. Federal courts, including bankruptcy courts, have repeatedly confirmed : They do not send consumer data to Equifax, XXXX, or XXXX. \n\nThey do not verify bankruptcy information for reinvestigations. \n\nThey do not participate in private credit reporting systems. \n\nThey do not approve or certify third-party vendors to transmit their records. \n\nThis means that anything the credit bureaus claim to have verified did not come directly from the court. Instead, bureaus rely on third-party data collectorscompanies that scrape or compile public information from PACER or other electronic court databases. These companies : Are not the original source Are not legally authorized court agents Are not regulated for consumer reporting accuracy Are prone to transcription errors, incomplete filings, and outdated updates Can not validate or certify accuracy for disputes Because the bureaus used these third-party sources instead of directly reviewing original court documents, the bankruptcy record is not verified in a legally acceptable manner. \n\nXXXX. I Disputed the Bankruptcy With All Three Credit Bureaus After discovering these issues, I exercised my rights under FCRA 611 ( a ) and disputed the bankruptcy entry with all three major consumer reporting agencies. In my written disputes, I specifically requested : The method of verification The name of the furnisher or entity that supplied the data The original source of the information Copies of the documents used for verification A full description of the procedures used during the reinvestigation The public record information used to confirm the listing These requests are rights guaranteed under FCRA 609 and 611. \n\nXXXX. The Bureaus Returned Generic Verified as Accurate Responses Despite the detailed and legally supported dispute, each bureau responded with nearly the same language : We have verified the information and it will remain on your credit file. \n\nHowever, the bureaus failed to : Provide a method of verification Provide documentation Identify the source Provide the procedures used Provide a copy of the public record Provide any indication the court was contacted These responses make clear that the reinvestigation was not reasonable, as required under the FCRA, and that the bureaus relied on automated systems rather than original legal documents. \n\nXXXX. The Reinvestigation Was Conducted Using Automated Data Instead of Human Review Most credit bureaus rely on XXXX-party vendors such as XXXX to collect bankruptcy data. These vendors send information electronically, which the bureaus treat as the verified source. This is not a true verification. \n\nA reasonable reinvestigation requires : Reviewing original bankruptcy court filings Verifying dates directly with PACER or through certified documents Ensuring the accuracy of docket numbers Confirming the case disposition/status Ensuring the public record matches bureau reporting fields None of these steps were taken.\n\nInstead : The verification returned instantly No human investigator examined records No official court documents were reviewed No cross-checking of dates occurred No verification of case status happened This does not meet the FCRA 's standard for reasonable procedures. \n\nXXXX. The Bankruptcy Reporting Contains Inaccuracies Across Bureaus A major concern is that the Chapter XXXX bankruptcy ( Ref : XXXX ) is not reported consistently across all bureaus. I identified the following issues : Different filing dates Different dismissal dates Different reference formatting Missing information in some bureau reports Different update timestamps Inconsistent status descriptions Under FCRA 607 ( b ), the bureaus must assure maximum possible accuracy. Inconsistent reporting violates this requirement because a public record should match exactly across all bureaus if it is accurate and verified. \n\nXXXX. No Evidence Provided That the Bankruptcy Is Within the Legal Reporting Period Under the FCRA : A Chapter XXXX bankruptcy may remain for XXXX  years from the date of filing. \n\nIf the date of filing is incorrect, the reporting period is incorrect. \n\nBecause the bureaus failed to provide documentation, it is impossible to confirm whether : The date being used is the filing date The bureaus are actually using the dismissal date The bureaus used inaccurate date information from their vendor If the wrong date is used, the bankruptcy may already be expired or beyond the legal reporting period, making it unlawful to continue reporting it. \n\nXXXX. Failure to Comply With FCRA Method-of-Verification Laws Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests the method of verification : The bureau must provide it Within XXXX  days In writing With full procedural details None of the bureaus provided this, despite my explicit request. Without the method of verification, the bankruptcy is legally classified as unverifiable, which requires deletion under 611 ( a ) ( 5 ) ( A ). \n\nXXXX. Information From Third-Party Vendors Is Not Legally Sufficient The bureaus rely on systems such as : XXXX XXXX XXXX scraping tools CoreLogic Other data warehouses These entities do not : Provide certified public records Provide official court documents Guarantee accuracy Verify case status Confirm dates Serve as the original source Because the credit bureaus rely solely on these XXXX-party sourcesand the vendors themselves are not validating the informationthe bankruptcy can not be said to be verified under the FCRA. \n\nXXXX. Harm Caused by This Inaccurate Bankruptcy Reporting The incorrect and unverifiable reporting of the Chapter XXXX bankruptcy has caused : Significant drops in credit scores Denial of financing and credit applications Higher interest rates on loans Limited access to housing opportunities Negative effects on employment opportunities Increased insurance premiums Ongoing reputational harm Emotional and financial distress Reduced credit limits Difficulty rebuilding credit Because bankruptcy is XXXX of the most damaging items on a credit file, reporting it without verification has caused and continues to cause substantial harm. \n\nXXXX Credit Bureaus Failed to Use Reasonable Procedures The FCRA requires consumer reporting agencies to ensure that all public record information is : Accurate Current Complete Verified through reliable sources Instead, the bureaus used : Automated database matches Bulk public record downloads Outdated or incomplete data No human review No court-verified documents This violates the FCRA mandate to maintain reasonable procedures. \n\nXXXX. Summary of FCRA Violations in This Case Based on the facts, the following FCRA sections were violated : FCRA 607 ( b ) Failure to assure maximum possible accuracy.\n\nFCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.\n\nFCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.\n\nFCRA 609 ( a ) ( 1 ) ( A ) Failure to provide the sources of information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.\n\nFCRA 611 ( d ) Failure to notify past users of corrected information. \n\nThese failures demonstrate that the reporting of the Chapter XXXX bankruptcy is not supported by lawful procedures. \n\nXXXX. Conclusion In conclusion, the reporting of the Chapter XXXX Bankruptcy, Ref : XXXX, is inaccurate, unverifiable, inconsistent, and not sourced from the original legal authority. The credit bureaus failed to : Contact the bankruptcy court Review original documents Provide method-of-verification details Use reasonable reinvestigation procedures Maintain maximum possible accuracy Because the bankruptcy can not be verified according to federal law, its continued reporting is unlawful and harmful. \n\nI respectfully request that the Consumer Financial Protection Bureau review this matter, require proper verification procedures, and ensure that the credit bureaus correct or delete the bankruptcy if it can not be fully validated with official court documents.","date_sent_to_company":"2025-11-14T02:39:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17239114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-14T02:33:04.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Legally sourced <em>XXXX</em>. Up-to-date <em>XXXX</em>. <em>Reported</em> in compliance with the FCRA Because this bankruptcy entry does not meet these standards and can not be verified using original court documents, its continued <em>reporting</em> constitutes a violation of federal law. \n\n<em>XXXX</em>. How I Discovered the Problem <em>While</em> <em>reviewing</em> my <em>credit</em> <em>reports</em>, I <em>noticed</em> that a <em>Chapter</em> <em>XXXX</em> bankruptcy, Ref : <em>XXXX</em>, was listed."]},"sort":[13.507261,"17239114"]},{"_index":"complaint-public-v1","_id":"17213928","_score":13.494926,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns serious issues regarding the accuracy, verification, and reporting practices associated with the Chapter XXXX bankruptcy public record, Ref : XXXX, that appears on my consumer credit reports. I am filing this complaint because the way this Chapter XXXX bankruptcy is being reported is inaccurate, misleading, and not verifiable according to the requirements set forth by the Fair Credit Reporting Act ( FCRA ). Additionally, the credit reporting agencies have failed to provide the legally required method of verification when I disputed the reporting, and the information appears to have been sourced from unreliable third-party vendors rather than the actual bankruptcy court. \n\nThe purpose of this narrative is to describe clearly and completely what happened, outline the steps I took to address the issue, identify the failures of the credit reporting agencies, and demonstrate why the reporting of this Chapter XXXX bankruptcy is unlawful and requires correction or deletion. My goal is not to dispute the existence of a prior Chapter XXXX filing, but rather to ensure that what appears on my credit report is : XXXX. Accurate XXXX. Court-verified XXXX. Legally sourced XXXX. Up-to-date XXXX. Reported in compliance with the FCRA Because this bankruptcy entry does not meet these standards and can not be verified using original court documents, its continued reporting constitutes a violation of federal law. \n\nXXXX. How I Discovered the Problem While reviewing my credit reports, I noticed that a Chapter XXXX bankruptcy, Ref : XXXX, was listed. However, from the very beginning, the listing appeared problematic : The date associated with the case was inconsistent across different credit bureaus. \n\nSome details were missing or incomplete. \n\nThe bureaus did not provide any original source information. \n\nThere was no indication that the bankruptcy court had been contacted. \n\nThe information did not match the official public record format I obtained from the court system. \n\nThese inconsistencies led me to question not the existence of the case itself, but the accuracy and verification of how the case was reported on my credit profile. \n\nXXXX. Courts Do NOT Report Bankruptcy Information to Credit Bureaus A critical fact in this situation is that bankruptcy courts do not furnish or verify bankruptcy information to credit reporting agencies. Federal courts, including bankruptcy courts, have repeatedly confirmed : They do not send consumer data to Equifax, Experian, or TransUnion. \n\nThey do not verify bankruptcy information for reinvestigations. \n\nThey do not participate in private credit reporting systems. \n\nThey do not approve or certify third-party vendors to transmit their records. \n\nThis means that anything the credit bureaus claim to have verified did not come directly from the court. Instead, bureaus rely on third-party data collectorscompanies that scrape or compile public information from PACER or other electronic court databases. These companies : Are not the original source Are not legally authorized court agents Are not regulated for consumer reporting accuracy Are prone to transcription errors, incomplete filings, and outdated updates Can not validate or certify accuracy for disputes Because the bureaus used these third-party sources instead of directly reviewing original court documents, the bankruptcy record is not verified in a legally acceptable manner. \n\nXXXX. I Disputed the Bankruptcy With All Three Credit Bureaus After discovering these issues, I exercised my rights under FCRA 611 ( a ) and disputed the bankruptcy entry with all three major consumer reporting agencies. In my written disputes, I specifically requested : The method of verification The name of the furnisher or entity that supplied the data The original source of the information Copies of the documents used for verification A full description of the procedures used during the reinvestigation The public record information used to confirm the listing These requests are rights guaranteed under FCRA 609 and 611. \n\nXXXX. The Bureaus Returned Generic Verified as Accurate Responses Despite the detailed and legally supported dispute, each bureau responded with nearly the same language : We have verified the information and it will remain on your credit file. \n\nHowever, the bureaus failed to : Provide a method of verification Provide documentation Identify the source Provide the procedures used Provide a copy of the public record Provide any indication the court was contacted These responses make clear that the reinvestigation was not reasonable, as required under the FCRA, and that the bureaus relied on automated systems rather than original legal documents. \n\nXXXX. The Reinvestigation Was Conducted Using Automated Data Instead of Human Review Most credit bureaus rely on third-party vendors such as XXXX to collect bankruptcy data. These vendors send information electronically, which the bureaus treat as the verified source. This is not a true verification. \n\nA reasonable reinvestigation requires : Reviewing original bankruptcy court filings Verifying dates directly with XXXX  or through certified documents Ensuring the accuracy of docket numbers Confirming the case disposition/status Ensuring the public record matches bureau reporting fields None of these steps were taken.\n\nInstead : The verification returned instantly No human investigator examined records No official court documents were reviewed No cross-checking of dates occurred No verification of case status happened This does not meet the FCRA 's standard for reasonable procedures. \n\nXXXX. The Bankruptcy Reporting Contains Inaccuracies Across Bureaus A major concern is that the Chapter XXXX bankruptcy ( Ref : XXXX ) is not reported consistently across all bureaus. I identified the following issues : Different filing dates Different dismissal dates Different reference formatting Missing information in some bureau reports Different update timestamps Inconsistent status descriptions Under FCRA 607 ( b ), the bureaus must assure maximum possible accuracy. Inconsistent reporting violates this requirement because a public record should match exactly across all bureaus if it is accurate and verified. \n\nXXXX. No Evidence Provided That the Bankruptcy Is Within the Legal Reporting Period Under the FCRA : A Chapter XXXX bankruptcy may remain for XXXX  years from the date of filing. \n\nIf the date of filing is incorrect, the reporting period is incorrect. \n\nBecause the bureaus failed to provide documentation, it is impossible to confirm whether : The date being used is the filing date The bureaus are actually using the dismissal date The bureaus used inaccurate date information from their vendor If the wrong date is used, the bankruptcy may already be expired or beyond the legal reporting period, making it unlawful to continue reporting it. \n\nXXXX. Failure to Comply With FCRA Method-of-Verification Laws Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests the method of verification : The bureau must provide it Within XXXX days In writing With full procedural details None of the bureaus provided this, despite my explicit request. Without the method of verification, the bankruptcy is legally classified as unverifiable, which requires deletion under 611 ( a ) ( 5 ) ( A ). \n\nXXXX. Information From XXXX-Party Vendors Is Not Legally Sufficient The bureaus rely on systems such as : XXXX XXXX XXXX scraping tools CoreLogic Other data warehouses These entities do not : Provide certified public records Provide official court documents Guarantee accuracy Verify case status Confirm dates Serve as the original source Because the credit bureaus rely solely on these XXXX-party sourcesand the vendors themselves are not validating the informationthe bankruptcy can not be said to be verified under the FCRA. \n\nXXXX. Harm Caused by This Inaccurate Bankruptcy Reporting The incorrect and unverifiable reporting of the Chapter XXXX bankruptcy has caused : Significant drops in credit scores Denial of financing and credit applications Higher interest rates on loans Limited access to housing opportunities Negative effects on employment opportunities Increased insurance premiums Ongoing reputational harm Emotional and financial distress Reduced credit limits Difficulty rebuilding credit Because bankruptcy is XXXX of the most damaging items on a credit file, reporting it without verification has caused and continues to cause substantial harm. \n\nXXXX Credit Bureaus Failed to Use Reasonable Procedures The FCRA requires consumer reporting agencies to ensure that all public record information is : Accurate Current Complete Verified through reliable sources Instead, the bureaus used : Automated database matches Bulk public record downloads Outdated or incomplete data No human review No court-verified documents This violates the FCRA mandate to maintain reasonable procedures. \n\nXXXX. Summary of FCRA Violations in This Case Based on the facts, the following FCRA sections were violated : FCRA 607 ( b ) Failure to assure maximum possible accuracy. \n\nFCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.\n\nFCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.\n\nFCRA 609 ( a ) ( 1 ) ( A ) Failure to provide the sources of information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.\n\nFCRA 611 ( d ) Failure to notify past users of corrected information. \n\nThese failures demonstrate that the reporting of the Chapter XXXX bankruptcy is not supported by lawful procedures. \n\nXXXX. Conclusion In conclusion, the reporting of the Chapter XXXX Bankruptcy, Ref : XXXX, is inaccurate, unverifiable, inconsistent, and not sourced from the original legal authority. The credit bureaus failed to : Contact the bankruptcy court Review original documents Provide method-of-verification details Use reasonable reinvestigation procedures Maintain maximum possible accuracy Because the bankruptcy can not be verified according to federal law, its continued reporting is unlawful and harmful. \n\nI respectfully request that the Consumer Financial Protection Bureau review this matter, require proper verification procedures, and ensure that the credit bureaus correct or delete the bankruptcy if it can not be fully validated with official court documents.","date_sent_to_company":"2025-11-14T02:51:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17213928","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-14T02:44:30.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Legally sourced <em>XXXX</em>. Up-to-date <em>XXXX</em>. <em>Reported</em> in compliance with the FCRA Because this bankruptcy entry does not meet these standards and can not be verified using original court documents, its continued <em>reporting</em> constitutes a violation of federal law. \n\n<em>XXXX</em>. How I Discovered the Problem <em>While</em> <em>reviewing</em> my <em>credit</em> <em>reports</em>, I <em>noticed</em> that a <em>Chapter</em> <em>XXXX</em> bankruptcy, Ref : <em>XXXX</em>, was listed."]},"sort":[13.494926,"17213928"]},{"_index":"complaint-public-v1","_id":"17213987","_score":13.190237,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns the continued reporting and verification of the Chapter XXXX bankruptcy identified as Ref : XXXX, which appears in the public records section of my consumer credit reports. The purpose of this complaint is to document the inaccuracies, verification failures, and unlawful reporting practices surrounding this bankruptcy record, and to request that the Consumer Financial Protection Bureau intervene to ensure compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am not disputing the historical fact that a Chapter XXXX case maXXXX have existed. Instead, I am disputing the accuracy, verification, source, timing, and procedural compliance of how this particular bankruptcy record is appearing on my credit reports. Because the credit bureaus failed to verify the information with the original bankruptcy court, relied on unauthorized third-party vendors, and refused to provide the required method-of-verification documentation during reinvestigation, the reporting of this record violates multiple provisions of federal law. \n\nThis narrative provides a complete, detailed, and lawful description of what occurred and why this bankruptcy is being reported improperly. \n\nXXXX. How I Discovered the Reporting Problem While reviewing my credit reports, I noticed that a Chapter XXXX bankruptcy labeled Ref : XXXX was listed. Immediately, issues were apparent : The date formatting was unusual and did not resemble standard federal bankruptcy docket formatting. \n\nThe reference number included codes ( XXXX ) that did not match official XXXX court documentation. \n\nDifferent credit bureaus displayed the record differently. \n\nDetails such as the court location, chapter, docket number, and disposition were incomplete. \n\nThe status of the case was inconsistent across bureaus. \n\nBecause bankruptcy information must be precise and match the official court record, these irregularities raised questions about whether the listing was accurate, up-to-date, or verified properly. \n\nXXXX. Bankruptcy Courts Do NOT Furnish or Verify Information for Credit Reports XXXX of the most important facts is this : Federal bankruptcy courts do not : Furnish consumer data to credit bureaus Verify bankruptcy information for private companies Communicate with credit bureaus XXXX reinvestigation Participate in consumer reporting Authorize third-party vendors to transmit bankruptcy records This means that any claim by a credit bureau that this bankruptcy was verified did not come from the court. Instead, the verification originated from third-party public-record vendors, which are not original, legal sources of bankruptcy information. \n\nXXXX. The Reporting Uses a Non-Court Reference Number A true bankruptcy reference must match the official docket format, such as : YY-NNNNN YY-NNNN-BK District identifiers ( XXXX, MO-W ) However, the reference XXXX is not consistent with : XXXX  docket formatting CM/ECF formatting XXXX Bankruptcy Court indexing Clerk of Court dispositions Standard case numbering found in federal filings This strongly suggests the information is not based on court records but on automated OCR scraping or vendor indexing, which is prone to errors. \n\nXXXX. I Filed Disputes with All Three Bureaus Upon discovering inconsistencies, I exercised my rights under FCRA 611 ( a ) and disputed the bankruptcy with all three major bureaus. In each dispute, I requested : The method of verification Identification of the source of the information Copies of any documents reviewed The name of the furnisher A detailed description of procedures used The public record as obtained from the court These are rights guaranteed under FCRA 609 and 611. \n\nXXXX. Bureaus Returned Generic Verified as Accurate Responses All bureaus responded with nearly identical automated letters stating that the bankruptcy had been verified and would remain. However : No bureau provided the method of verification No bureau named a furnisher No documentation was provided No court records were shown No detailed procedures were disclosed No evidence was produced showing original record review This confirms that : The reinvestigation was automated, not meaningful. \nXXXX. The Reinvestigation Was Unreasonable The FCRA requires a reasonable reinvestigation. For a public record like bankruptcy, reasonableness requires : Reviewing the original docket Confirming filing and dismissal dates Verifying the case disposition Matching the reference number Confirming the bankruptcy chapter Ensuring reporting matches the official court record But the bureaus did : No contact with the XXXX Bankruptcy XXXX No XXXX review No comparison to official documents No document examination No human involvement Instead, they relied solely on automated responses from a vendor such as XXXX or another public-record scraper. \n\nXXXX. XXXX-Party Vendors Are NOT an Acceptable Source of Truth Under FCRA The FCRA requires that public records be verified using accurate, reliable, court-sourced information. \n\nHowever, credit bureaus rely on : XXXX XXXX CoreLogic Data-harvesting companies Public-record scrapers Automated XXXX systems These companies : Are not original sources Do not certify accuracy Do not verify court data Are prone to errors Are not authorized by courts Because this bankruptcy record depends entirely on third-party vendor data, it can not be considered verified. \n\nXXXX. Inconsistencies Across Bureaus Prove the Data Is Inaccurate For a bankruptcy to be accurate, all bureaus must report : The same dates The same reference The same court location The same status The same disposition However, the reporting for XXXX contains significant inconsistencies : Dates differ across bureaus Status ( dismissed versus open versus verified ) varies Reference numbers differ Update timestamps do not match Case details differ Under FCRA 607 ( b ), bureaus must ensure maximum possible accuracy. The inconsistencies demonstrate non-compliance. \n\nXXXX. Bankruptcy Reporting Windows May Be Incorrect A Chapter XXXX bankruptcy may remain on a credit report for : XXXX  years from the date of filing, not dismissal. \n\nIf the XXXX portion of the reference corresponds to XX/XX/year>, then : The record may have been misdated The filing date may not match court records The dismissal/verification date ( XXXX ) may not be legally relevant If the wrong date is used, the bankruptcy may already be : Outside the legal reporting window Reported for too long Reported prematurely Reported with incorrect dates All of this violates the FCRA. \n\nXXXX. Failure to Provide the Method of Verification Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer asks how an entry was verified, the bureau must provide : The method The procedures The documentation The source of the information None of the bureaus complied. \n\nThis failure alone makes the bankruptcy legally unverifiable, requiring deletion under 611 ( a ) ( 5 ) ( A ). \n\nXXXX. The Bankruptcy Record Was Not Verified Using the Original Court Docket I obtained official bankruptcy documents from the federal court system and compared them to the reporting. Those documents included : The petition filing The docket sheet Case disposition XXXX records XXXX  notices Dismissal order These official documents do not match the way the credit bureaus report the record. The formatting, numbers, and dates differ. \n\nThis proves the bureaus did not review : XXXX  documents CM/ECF filings XXXX of XXXX entries Thus, the verification is illegitimate. \n\nXXXX. The Reporting Is Incomplete and Misleading For bankruptcy, bureaus must report : Correct filing date Correct status Correct docket number Correct court Correct chapter Correct disposition Accurate timestamps However, the entry labeled XXXX is XXXX Incomplete Misformatted Not court-standard Missing the precise court identifier Missing core docket information Not identical to official records Incomplete public records violate the XXXX accuracy mandate. \n\nXXXX. The Bankruptcy May Have Been Reported Based on a Misindexed Case Third-party vendors often : Misread docket entries Pull incomplete data Merge unrelated cases Apply non-court reference numbers Assign internal indexing codes Misrepresent dates The XXXX reference strongly suggests : A vendor indexing code Not an actual bankruptcy court file Therefore, the reporting is likely based on : Misindexed data A misread case Inaccurate vendor interpretation Credit bureaus can not legally maintain vendor-generated errors. \n\nXXXX. Harm Caused by the Improper Reporting The inaccurate and unverifiable reporting of this bankruptcy has caused : Lower credit scores Higher interest rates Denied credit applications Loss of financial opportunities Difficulty obtaining housing Employment barriers Insurance impacts Emotional distress Difficulty rebuilding credit A bankruptcy is XXXX of the most damaging items on a credit report. When reported inaccurately, the harm is compounded. \n\nXXXX. The Bureaus Violated Multiple FCRA Sections The reporting of this bankruptcy violates : 607 ( b ) Accuracy requirement 611 ( a ) Failure to reinvestigate reasonably 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification 611 ( a ) ( 5 ) Failure to delete unverifiable information 609 ( a ) ( 1 ) Failure to provide the source of information 623 Furnisher accuracy obligations The bankruptcy is therefore unlawfully reported. \n\nConclusion The Chapter XXXX bankruptcy Ref : XXXX is being reported inaccurately, without proper verification, using unauthorized XXXX-party vendor data, and without adherence to FCRA procedures. The credit bureaus did not verify the information with the bankruptcy court, did not provide method-of-verification details, did not review original court documents, and did not maintain maximum possible accuracy. \n\nBecause the bankruptcy is unverified, inaccurate, incomplete, and improperly sourced, it is unlawful for it to remain on my credit file. \n\nI request immediate CFPB intervention to ensure that the credit bureaus comply with federal law.","date_sent_to_company":"2025-11-14T03:08:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17213987","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-14T03:01:30.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["How I Discovered the <em>Reporting</em> Problem <em>While</em> <em>reviewing</em> my <em>credit</em> <em>reports</em>, I <em>noticed</em> that a <em>Chapter</em> <em>XXXX</em> bankruptcy labeled Ref : <em>XXXX</em> was listed. Immediately, issues were apparent : The date formatting was unusual and did not resemble standard federal bankruptcy docket formatting. \n\nThe reference number included codes ( <em>XXXX</em> ) that did not match official <em>XXXX</em> court documentation. \n\nDifferent <em>credit</em> bureaus displayed the record differently."]},"sort":[13.190237,"17213987"]},{"_index":"complaint-public-v1","_id":"17213027","_score":12.99031,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns the continued reporting and verification of the Chapter XXXX bankruptcy identified as Ref : XXXX, which appears in the public records section of my consumer credit reports. The purpose of this complaint is to document the inaccuracies, verification failures, and unlawful reporting practices surrounding this bankruptcy record, and to request that the Consumer Financial Protection Bureau intervene to ensure compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am not disputing the historical fact that a Chapter XXXX case maXXXX have existed. Instead, I am disputing the accuracy, verification, source, timing, and procedural compliance of how this particular bankruptcy record is appearing on my credit reports. Because the credit bureaus failed to verify the information with the original bankruptcy court, relied on unauthorized third-party vendors, and refused to provide the required method-of-verification documentation during reinvestigation, the reporting of this record violates multiple provisions of federal law. \n\nThis narrative provides a complete, detailed, and lawful description of what occurred and why this bankruptcy is being reported improperly. \n\nXXXX. How I Discovered the Reporting Problem While reviewing my credit reports, I noticed that a Chapter XXXX bankruptcy labeled Ref : XXXX was XXXX. Immediately, issues were apparent : The date formatting was unusual and did not resemble standard federal bankruptcy docket formatting. \n\nThe reference number included codes ( XXXX ) that did not match official U.S. court documentation. \n\nDifferent credit bureaus displayed the record differently. \n\nDetails such as the court location, chapter, docket number, and disposition were incomplete. \n\nThe status of the case was inconsistent across bureaus. \n\nBecause bankruptcy information must be precise and match the official court record, these irregularities raised questions about whether the listing was accurate, up-to-date, or verified properly. \n\n2. Bankruptcy Courts Do NOT Furnish or Verify Information for Credit Reports One of the most important facts is this : Federal bankruptcy courts do not : Furnish consumer data to credit bureaus Verify bankruptcy information for private companies Communicate with credit bureaus during reinvestigation Participate in consumer reporting Authorize third-party vendors to transmit bankruptcy records This means that any claim by a credit bureau that this bankruptcy was verified did not come from the court. Instead, the verification originated from third-party public-record vendors, which are not original, legal sources of bankruptcy information. \n\n3. The Reporting Uses a Non-Court Reference Number A true bankruptcy reference must match the official docket format, such as XXXX XXXX XXXX District identifiers ( XXXX, MO-W ) However, the reference XXXX is not consistent with : PACER docket formatting CM/ECF XXXX XXXX Bankruptcy Court indexing Clerk of Court dispositions Standard case numbering found in federal filings This strongly suggests the information is not based on court records but on automated OCR scraping or vendor indexing, which is prone to errors.\n\n4. I Filed Disputes with All Three Bureaus Upon discovering inconsistencies, I exercised my rights under FCRA 611 ( a ) and disputed the bankruptcy with all three major bureaus. In each dispute, I requested : The method of verification Identification of the source of the information Copies of any documents reviewed The name of the furnisher A detailed description of procedures used The public record as obtained from the court These are rights guaranteed under FCRA 609 and 611.\n\n5. Bureaus Returned Generic Verified as Accurate Responses All bureaus responded with nearly identical automated letters stating that the bankruptcy had been verified and would remain. However : No bureau provided the method of verification No bureau named a furnisher No documentation was provided No court records were shown No detailed procedures were disclosed No evidence was produced showing original record review This confirms that : The reinvestigation was automated, not meaningful. \n6. The Reinvestigation Was Unreasonable The FCRA requires a reasonable reinvestigation. For a public record like bankruptcy, reasonableness requires : Reviewing the original docket Confirming filing and dismissal dates Verifying the case disposition Matching the reference number Confirming the bankruptcy chapter Ensuring reporting matches the official court record But the bureaus did : No contact with the XXXX Bankruptcy XXXX XXXX XXXX XXXX No comparison to official documents No document examination No human involvement Instead, they relied solely on automated responses from a vendor such as XXXX or another public-record scraper. \n\n7. Third-Party Vendors Are NOT an Acceptable Source XXXX XXXX XXXX FCRA XXXX FCRA requires thaXXXX public records be verified using accurate, reliable, court-sourced information. \n\nHowever, credit bureaus rely on : XXXX XXXX CoreLogic Data-harvesting companies Public-record scrapers Automated XXXX systems These companies : Are not original sources Do not certify accuracy Do not verify XXXX data Are prone to errors Are not authorized by courts Because this bankruptcy record depends entirely on third-party vendor data, it can not be considered verified. \n\nXXXX. Inconsistencies Across Bureaus Prove the Data Is Inaccurate For a bankruptcy to be accurate, all bureaus must report : The same dates The same reference The same court location The same status The same disposition However, the reporting for XXXX contains significant inconsistencies : Dates differ across bureaus Status ( dismissed versus open versus verified ) varies Reference numbers differ Update timestamps do not match Case details differ Under FCRA 607 ( b ), bureaus must ensure maximum possible accuracy. The inconsistencies demonstrate non-compliance.\n\n9. Bankruptcy Reporting Windows May Be Incorrect A Chapter 13 bankruptcy may remain on a credit report for : 7 years from the date of filing, not dismissal. \n\nIf the XXXX portion of the reference corresponds to XX/XX/year>, then : The record may have been misdated The filing date XXXX not match court records The dismissal/verification date ( XXXX ) XXXX not be legally relevant If the wrong date is used, the bankruptcy may already be : Outside the legal reporting window Reported for too long Reported prematurely Reported with incorrect dates All of this violates the FCRA.\n\n10. Failure to Provide the Method of Verification Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer asks how an entry was verified, the bureau must provide : The method The procedures The documentation The source of the information None of the bureaus complied. \n\nThis failure alone makes the bankruptcy legally unverifiable, requiring deletion under 611 ( a ) ( 5 ) ( A ).\n\n11. The Bankruptcy Record Was Not Verified Using the Original Court Docket I obtained official bankruptcy documents from the federal court system and compared them to the reporting. Those documents included : The petition filing The docket sheet Case disposition XXXX XXXX XXXX notices Dismissal order These official documents do not match the way the credit bureaus report the record. The formatting, numbers, and dates differ. \n\nThis proves the bureaus did not review : PACER documents CM/ECF filings XXXX of XXXX XXXX XXXX, the verification is illegitimate. \n\n12. The Reporting Is Incomplete and Misleading For bankruptcy, bureaus must report : Correct filing date Correct status Correct docket number Correct court Correct chapter Correct disposition Accurate timestamps However, the entry labeled XXXX is XXXX Incomplete Misformatted Not court-standard Missing the precise court identifier Missing core docket information Not identical to official records Incomplete public records violate the FCRAs accuracy mandate.\n\n13. The Bankruptcy May Have Been Reported Based on a Misindexed Case Third-party vendors often : Misread docket entries Pull incomplete data Merge unrelated cases Apply non-court reference numbers Assign internal indexing codes Misrepresent dates The XXXX reference XXXX suggests : A vendor indexing code Not an actual bankruptcy court file Therefore, the reporting is likely based on : Misindexed data A misread case Inaccurate vendor interpretation Credit bureaus can not legally maintain vendor-generated errors. \n\nXXXX. Harm Caused by the Improper Reporting The inaccurate and unverifiable reporting of this bankruptcy has caused : Lower credit scores Higher interest rates Denied credit applications Loss of financial opportunities Difficulty obtaining housing Employment barriers Insurance impacts Emotional distress Difficulty rebuilding credit A bankruptcy is one of the most damaging items on a credit report. When reported inaccurately, the harm is compounded.\n\n15. The Bureaus Violated Multiple FCRA Sections The reporting of this bankruptcy violates : 607 ( b ) Accuracy requirement 611 ( a ) Failure to reinvestigate reasonably 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification 611 ( a ) ( 5 ) Failure to delete unverifiable information 609 ( a ) ( 1 ) Failure to provide the source of information 623 Furnisher accuracy obligations The bankruptcy is therefore unlawfully reported. \n\nConclusion The Chapter XXXX bankruptcy Ref : XXXX is XXXX reported inaccurately, without proper verification, using unauthorized third-party vendor data, and without adherence to FCRA procedures. The credit bureaus did not verify the information with the bankruptcy court, did not provide method-of-verification details, did not review original court documents, and did not maintain maximum possible accuracy. \n\nBecause the bankruptcy is unverified, inaccurate, incomplete, and improperly sourced, it is unlawful for it to remain on my credit file. \n\nI request immediate CFPB intervention to ensure that the credit bureaus comply with federal law.","date_sent_to_company":"2025-11-14T02:56:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17213027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-14T02:51:19.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["How I Discovered the <em>Reporting</em> Problem <em>While</em> <em>reviewing</em> my <em>credit</em> <em>reports</em>, I <em>noticed</em> that a <em>Chapter</em> <em>XXXX</em> bankruptcy labeled Ref : <em>XXXX</em> was <em>XXXX</em>. Immediately, issues were apparent : The date formatting was unusual and did not resemble standard federal bankruptcy docket formatting. \n\nThe reference number included codes ( <em>XXXX</em> ) that did not match official U.S. court documentation. \n\nDifferent <em>credit</em> bureaus displayed the record differently."]},"sort":[12.99031,"17213027"]},{"_index":"complaint-public-v1","_id":"16680543","_score":12.56027,"_source":{"product":"Mortgage","complaint_what_happened":"I received a Chapter XXXX discharge on XX/XX/XXXX and my case was finally closed on XX/XX/XXXX. After that, mortgage-servicing activity on my home at XXXX XXXX, XXXX, CA ( XXXX XXXX ) continued as if the discharge/closure did not exist. Different entities and law firms ( including XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX as trustee, and XXXX XXXX ) used XXXX parallel account numbers/suffixes ( XXXX and XXXX ), filed/served conflicting documents, and recorded new assignments in XXXX. Several mailings arrived late or were returned undeliverable, while a number of monthly mortgage statements for XXXX XXXX were not provided. In XX/XX/XXXX, my insurer issued a {$2100.00} refund but the servicer simultaneously sent a force-placed insurance letter, and I can not find where the refund was credited. On XX/XX/XXXX, a related adversary case was dismissed with prejudice, yet on XX/XX/XXXX a judgment was still entered in that cases docket. Throughout XXXX, I made payments and provided proof, but account histories and forms ( including duplicate XXXX reporting ) do not match. These actions have created ongoing collection, escrow, credit, and title problems despite my earlier bankruptcy discharge and case closure.After the discharge and closure, the mortgage servicer and affiliated law firms continued to treat my account as active. They sent billing statements, recorded new instruments, and reported to credit agencies as if the debt remained enforceable. I also received inconsistent escrow analyses, force-placed insurance notices, and duplicate IRS Form XXXX reflecting different account suffixes. Several court filings were made in XXXX using both XXXX XXXX and XXXX XXXX, creating confusion in public records and violating the federal bankruptcy discharge order. I have documentation, including bankruptcy court dockets, certificates of notice, payment proofs, and correspondence from insurers, showing that these actions occurred long after the federal courts closure. I am requesting that the CFPB review these servicing, reporting, and mail-timing practices for compliance with federal consumer-protection and mortgage-servicing regulations","date_sent_to_company":"2025-10-19T19:00:39.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92618","tags":null,"has_narrative":true,"complaint_id":"16680543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-10-19T18:16:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["They sent billing statements, recorded new instruments, and <em>reported</em> to <em>credit</em> agencies as if the debt remained enforceable. I also received inconsistent escrow analyses, force-placed insurance <em>notices</em>, and duplicate IRS Form <em>XXXX</em> reflecting different account suffixes. Several court filings were made in <em>XXXX</em> using both <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em>, creating confusion in public records and violating the federal bankruptcy discharge order."]},"sort":[12.56027,"16680543"]},{"_index":"complaint-public-v1","_id":"18864480","_score":12.423521,"_source":{"product":"Student loan","complaint_what_happened":"I am the debtor and primary borrower on certain private student loan accounts serviced by Sallie Mae. \nI filed a voluntary petition for relief under XXXX XXXX of the Bankruptcy Code. An automatic stay pursuant to 11 U.S.C. 362 ( a ) became effective in XXXX and remained in effect until XX/XX/XXXX. ( see documentation below. ) Sallie Mae received notice of my bankruptcy filing and issued electronic communications acknowledging the bankruptcy and stating that no payment was due at that time. ( see documentation below. ) During the automatic stay, Sallie Mae restricted my access to my online borrower account, preventing me from viewing loan balances, payment status, correspondence, or notices. No physical mail regarding payment obligations or account status was sent to me during this period. \nWhile the automatic stay was in effect, Sallie Mae unilaterally altered its internal servicing designation by treating the cosigner as the primary borrower, despite the loan contract identifying me as the primary borrower. ( see documentation below. ) During the stay, Sallie Mae contacted the cosigner by telephone and electronic communications seeking payment on the loans. These communications occurred while Sallie Mae had knowledge of the bankruptcy filing and the automatic stay. \nThe cosigner did not have an online account with Sallie Mae and did not select electronic delivery preferences. Sallie Mae nevertheless relied on electronic communication preferences selected by me to justify the absence of mailed notices, while sending electronic messages stating that documents were available online. \nAfter termination of the automatic stay, Sallie Mae reverted the borrower and cosigner designations to their original status and asserted that the loans were delinquent due to nonpayment during the automatic stay, demanding retroactive payment for that period. ( see documentation and recorded communication below ) Sallie Mae reported the loans as XXXX or more days past due to consumer reporting agencies beginning in XXXX, including periods when the automatic stay was in effect. ( see documentation below. ) Any alleged delinquency arose solely from XXXX XXXX conduct during the automatic stay and did not exist prior to the bankruptcy filing. \nXXXX XXXX actions caused emotional distress, significant time expenditure, and damage to my credit profile, and interfered with the fresh start protections afforded by the Bankruptcy Code.\n\nSallie Mae had actual notice of my Chapter 7 bankruptcy and the automatic stay imposed under 11 U.S.C. 362. Notwithstanding that notice, Sallie Mae engaged in conduct that includes, but is not limited to : ( 1 ) indirect collection activity during the automatic stay by reclassifying the cosigner as the primary borrower and contacting the cosigner for payment ; ( 2 ) restricting borrower access to account information while representing that no payment was due ; ( 3 ) retroactively assessing delinquency for the stay period ; and ( 4 ) furnishing inaccurate delinquency information to consumer reporting agencies.\n\nAnticipated Company Position and Clarification 1. Internal Policies and Procedures Anticipated Position : Sallie Mae may state that its internal policies and procedures were followed. \n\nClarification : Internal policies and procedures do not supersede federal consumer protection laws applicable to private student loan lenders and servicers. Even where a company asserts compliance with its internal processes, the resulting conduct must still comply with : UDAAP prohibitions under 12 U.S.C. 5531 and 5536, FCRA accuracy and furnishing obligations under 15 U.S.C. 1681s-2, and Bankruptcy Code protections, including the automatic stay under 11 U.S.C. 362.\n\nIn this matter, Sallie Maes procedures resulted in the assessment of retroactive delinquency for a legally protected period, conflicting representations regarding payment obligations, and furnishing of misleading credit information. A servicing practice that produces outcomes inconsistent with federal law is not compliant, regardless of whether it aligns with internal policy. \n\n2. Credit Reporting Accuracy and Automation Anticipated Position : Sallie Mae may assert that credit reporting is accurate, automated, or outside its control once furnished to consumer reporting agencies.\n\nClarification : Under the Fair Credit Reporting Act, furnishersincluding private student loan lendersare responsible for ensuring the accuracy and completeness of information they provide to consumer reporting agencies. Reporting an account as delinquent for a period during which : payment was subject to a bankruptcy automatic stay, and the borrower was informed that no payment was due, is materially misleading. The use of automated systems does not relieve a furnisher of its statutory obligation to ensure that reported information accurately reflects the legal status of the account. \n\n3. Cosigner Liability and Collection Activity Anticipated Position : Sallie Mae may contend that collection activity was permissible because a cosigner remained contractually liable.\n\nClarification : While a cosigner may remain liable under the loan contract, the conduct at issue exceeded permissible cosigner collection. During the bankruptcy period, Sallie Mae : internally altered borrower and cosigner designations without notice or authorization, relied on that alteration to maintain account activity during the automatic stay, and subsequently reversed the designation and carried forward delinquency to the primary borrower. \n\nThis sequence reflects procedural handling that materially affected account status and post-bankruptcy delinquency, rather than ordinary cosigner collection activity, and directly contributed to retroactive payment demands and credit reporting harm. \n\n4. Repayment Programs and Upfront Payment Requirements Anticipated Position : Sallie Mae may state that repayment or assistance programs require financial review and an upfront payment before eligibility can be determined.\n\nClarification : While private student loan lenders may evaluate financial information, conditioning access to repayment options on an unspecified and undisclosed upfront payment, while refusing to disclose eligibility criteria or required amounts, raises concerns under XXXX. Withholding material information needed for a consumer to understand available options and obligations, while simultaneously demanding payment, constitutes unfair and potentially abusive servicing conduct. \n\nPurpose of This Clarification These clarifications are provided to ensure the CFPBs review focuses on the legal effect of XXXX XXXX servicing practices, rather than on whether internal policies were followed. The issues raised concern post-bankruptcy payment handling, credit reporting accuracy, and transparency, all of which are subject to federal consumer protection requirements for private student loan lenders.","date_sent_to_company":"2026-01-20T18:34:14.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"18864480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-01-20T16:56:10.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> actions caused emotional distress, significant time expenditure, and damage to my <em>credit</em> profile, and interfered with the fresh start protections afforded by the Bankruptcy Code.\n\nSallie Mae had actual <em>notice</em> of my <em>Chapter</em> 7 bankruptcy and the automatic stay imposed under 11 U.S.C. 362."]},"sort":[12.423521,"18864480"]},{"_index":"complaint-public-v1","_id":"6943735","_score":11.816208,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing this complaint to seek remedy and resolution in a matter involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), and CHRYSLER CAPITAL ( XXXX XXXX XXXX XXXX XXXX, Tx XXXX ). On XX/XX/XXXX, I exercised my right to rescission as per 15 U.S. Code 1635, and in accordance with 12 CFR 1026.15 ( CFPB ) due to violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1601 et seq committed by both parties. The consumer credit transaction that I am referring to is regarding a vehicle purchase agreement entered into by the following parties : myself, XXXX XXXX XXXX XXXX XXXX XXXX, and CHRYSLER CAPITAL, on XX/XX/XXXX, is in violation of the TILA due to unfair credit billing, misrepresentations, and failure to disclose necessary and accurate information in the Truth in Lending Disclosure portion of the contract clearly and conspicuously. \n\nOn XX/XX/XXXX, as part of the financing process the purchase of a XXXX XXXX XXXX, I was led to believe that a trade-in value, as well as a down payment, was necessary to secure financing for the vehicle. However, upon reviewing the loan documents I realized that was not accurate. I also discovered that the TILA disclosure in the original retail installment contract is not accurate with the information that is being reported by the same creditor to the consumer reporting agencies, nor does the original contract accurately reflect, in a clear and conspicuous manner, the amount of payments, the number of payments, the total of payments, the amount financed, the finance charge, or the annual percentage rate. The down payment amount is not accurately reflected in the buyers order section of the contract and was misrepresented as a balance owed to the dealer, which resulted in a deceptively higher finance charge and annual percentage rate, and possibly the amount financed for the consumer while enriching Chrysler Capital and XXXX XXXX XXXX XXXX XXXX XXXX. These violations also occurred just days after a prior purchase agreement was cancelled between all parties after I was completely unsatisfied with the terms of that purchase agreement and the vehicle choice. This is a violation of Consumer Credit Protection Act under 15 U.S. Code Chapter 41. This is also a violation under 15 U.S. Code 1692 Fair Debt Collection Practices Act, and 15 U.S. Code 1611, and 15 U.S. Code 1640, 15 U.S. Code 1638, 15 U.S. Code 1637, and pursuant to 15 U.S.C. 1681 ( o ), 15 U.S. Code 1681 ( n ), 15 U.S. Code 1605, 15 U.S. Code 1606, and 18 U.S. Code Chapter 25. \nI am also acting on this claim in accordance with Illinois State law which states that I am entitled to file claim for damages for Truth in Lending Act violations, in which case that action has been taken within the one-year limitation required to file a claim for damages. \n\nOn XX/XX/XXXX, I formally requested by certified mail, a validation of the debt and all original contracts and documents related to the transaction. However, I have not received any response, nor have I been provided with said documents or a copy of the original contract. Chrysler Capital has also failed to stop reporting the inaccurate information that has been disputed and has not been validated. They are in direct violation under 15 U.S. Code 1692 Fair Debt Collection Practices Act as well as The Fair Credit Reporting Act, which also states that I am entitled to file a claim for damages. \n\nI have submitted a total of two disputes on two separate occasions thus far with XXXX, XXXX, and XXXX regarding the inaccurate and unvalidated information that is being reported by Chrysler Capital on my consumer credit profile. I submitted the first dispute by mail on XX/XX/XXXX. I submitted the second dispute by mail to the credit reporting agencies on XX/XX/XXXX. All three of the XXXXredit Reporting agencies claim that both disputes thus far have been verified although there are clear and apparent discrepancies with the information be reported to their agencies. This is a direct violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act, which also states that I am entitled to file a claim for damages. \n\nAs per the TILA regulations, consumers have the right to rescind certain transactions that involve a lien on their principal dwelling within three business days after the transaction date. If the lender fails to provide the required disclosures, the consumer may have the right to rescind the transaction within three years. The rescission period may also be extended to three years if there are material TILA disclosures that are omitted or inaccurate. \n\nI have listed the TILA violations as well as other known violations that have been committed, and I am intending to seek the maximum amount of all damages and compensation allotted to me by law for every violation committed by both mention parties in regard to this consumer credit transaction, as well as legal expenses and fees incurred in pursuit of a resolution in this matter. \n\n1. Failure to disclose necessary and accurate information in the Truth in Lending Disclosure clearly and conspicuously in accordance with 12 CFR Part 226 Truth In Lending ( Regulation Z ), 15 U.S. Code 1601-Congressional Findings and Declaration of Purpose, Illinois Administrative Code Title 14. Commerce subtitle B. Consumer Protection Chapter 2. Attorney General Part 475.210, 15 U.S. Code Chapter 2, 15 U.S. Code 1606 Determination Annual Percentage Rate, 15 U.S. Code 1605 Determination of Finance Charge, 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan, 15 1681 Fair Credit Reporting Act. \n\n2. Deviation from the Truth and Lending Act as pursuant to 12 CFR Part 226 Truth In Lending ( Regulation Z ), 15 U.S. Code 1601-Congressional Findings and Declaration of Purpose, Illinois Administrative Code Title 14. Commerce subtitle B. Consumer Protection Chapter 2. Attorney General Part 475.210, 15 U.S. Code Chapter 2, 15 U.S. Code 1606 Determination Annual Percentage Rate, 15 U.S. Code 1605 Determination of Finance Charge, 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan, 15 1681 Fair Credit Reporting Act. \n\n3. Misrepresentation of the down payment amount in the Buyers Order as pursuant to 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, and 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan.\n\n4. Reporting inaccurate information to the credit reporting agencies pursuant to 15 U.S. Code 1692 Fair Debt Collection Practices Act, and 15 1681 Fair Credit Reporting Act.\n\n5. Violated my consumer rights by disregarding my request to have only one inquiry added to my credit profile in regard to this transaction, no matter whether I was approved or not. There is evidence that approximately 19 inquiries were added to the consumer credit report relating to this transaction. A host of these hard inquires took place months after the transaction and without my consent, which is a violation pursuant to 15 U.S. Code 1601, 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, and 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan, 15 1681 Fair Credit Reporting Act.\n\n6. Other violations not listed in the list above have been documented throughout this notice with respect to the laws that correspond with said violations.\n\nThis is a communication and is intended to affect an out-of-court settlement of this matter within 20 days of the mailing date of the notice of right to rescind the contract. This section is also in accordance with 15 U.S. Code 1635 ( b ), 15 U.S. Code 1635 ( g ), and 15 U.S. Code 1640. To remedy this matter in an out-of-court settlement, I am willing to except the following terms : 1. Transfer of ownership and title to the consumer for the XXXX XXXX XXXX, free and clear of any liens and/or other holdings, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, 2. Recoupment of any and all payments made on the consumers behalf. Recoupment should be made payable to the consumer, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, 3. Total amount of the finance charge made payable to the consumer, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, 4. Compensation in the amount of {$25000.00} for the damages caused by these companies Made payable to the consumer because of this transaction, compensation for damages should be made payable to the consumer, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, As per all relevant laws in this notice, I am entitled to rescind the contract due to TILA violations, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and CHRYSLER CAPITAL are required to comply with the rescission. \n\nFurthermore, it is important to note that the Fair Credit Reporting Act ( FCRA ) requires that accurate information be reported by lenders to credit bureaus. Any reporting of inaccurate information will be considered a violation of the FCRA. \n\nI demand that both XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and CHRYSLER CAPITAL confirm the process of rescinding the loan, as well as rescinding my signature from all contractual agreements in connection with this consumer credit transaction, in writing and provide any other information and remedy required to complete the rescission. \n\nI have advised both parties that any attempts to collect on the referred debt, mark it on my credit report, or pursue any litigation proceedings without responding to this letter or providing appropriate evidence of its validity will be considered violations of the Fair Debt Collection Practices Act ( FDCPA ), relevant Uniform Commercial Code, and all applicable FTC laws. \n\n\nI expect your prompt attention to this matter. Should any provisions or claims in this notice be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provisions or claims included in this notice and reasonable opportunity and effort shall be taken to modify it to become enforceable. \n\n\n\n\" Equality under the Law is PARAMOUNT and MANDATORY by Law '' NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns","date_sent_to_company":"2023-05-06T22:37:06.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"61455","tags":null,"has_narrative":true,"complaint_id":"6943735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-05-06T22:07:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Changes in terms mid-deal or after closing"},"highlight":{"complaint_what_happened":["Code 1635, As per all relevant laws in this <em>notice</em>, I am entitled to rescind the contract due to TILA violations, and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and CHRYSLER CAPITAL are required to comply with the rescission. \n\nFurthermore, it is important to note that the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) requires that accurate information be <em>reported</em> by lenders to <em>credit</em> bureaus. Any <em>reporting</em> of inaccurate information will be considered a violation of the FCRA."]},"sort":[11.816208,"6943735"]},{"_index":"complaint-public-v1","_id":"13486587","_score":11.441917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Date : XX/XX/XXXX ] XXXX Legal & Professional XXXX XXXX XXXX. \nXXXX, OH XXXX Subject : Notice of Intent to Sue for FCRA Violations Due to XXXX XXXX XXXX Dear XXXX Legal & Professional, I am writing to formally notify you of your companys violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX compliance standards, stemming from the inaccurate and inconsistent reporting of a Chapter 13 Bankruptcy on my credit reports. These violations have caused me significant harm, including financial loss, emotional distress, and damage to my creditworthiness. Unless these inaccuracies are corrected immediately, I intend to pursue legal action to seek actual damages, statutory damages, punitive damages, attorney fees, and court costs, as permitted under the FCRA. \n\nSpecifically, a review of my credit reports reveals the following inaccuracies in your reporting of a Chapter XXXX Bankruptcy filed on or about XX/XX/XXXX : Inconsistent Reference Numbers : The bankruptcy is reported with different reference numbers across the XXXX major credit bureausTransUnion ( XXXX ), Experian ( XXXX ), and Equifax ( XXXX ) XXXX This inconsistency violates FCRAs requirement for accurate and uniform reporting under 15 U.S.C. 1681e ( b ).\n\nMissing Closing Date for Equifax : The Equifax report omits the closing date for the bankruptcy, while TransUnion and Experian list XX/XX/XXXX. This omission creates an incomplete and misleading record, further violating FCRA standards for accuracy and completeness. \n\n\n\nDiscrepancies in Court Reporting : The court information varies across bureaus, with TransUnion citing U.S. Bankruptcy Court, Experian citing XXXX XXXX XXXX XXXX XXXX, and Equifax citing Federal. This lack of standardization suggests negligent reporting practices. \n\nThese inaccuracies have caused me actual damages, including but not limited to denied credit opportunities, increased borrowing costs, and severe emotional distress due to the ongoing misrepresentation of my financial history. Your failure to maintain reasonable procedures to ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and to investigate and correct these errors upon notice, constitutes willful and negligent violations of the FCRA. \n\nUnder the FCRA, I am entitled to : Actual Damages : Compensation for the financial and emotional harm caused by your inaccurate reporting, with no limit on the award amount. \n\n\n\nStatutory Damages : Up to {$1000.00} per violation, as provided by 15 U.S.C. 1681n, without requiring proof of harm. \n\n\n\nPunitive Damages : An unlimited amount to punish XXXX for its reckless disregard of FCRA obligations and to deter future violations, as per 15 U.S.C. 1681n.\n\nAttorney Fees and Court Costs : Full coverage of litigation expenses, as authorized by 15 U.S.C. 1681o and 1681n.\n\nDemand for Action : I demand that XXXX immediately : Correct the inaccurate bankruptcy information across all credit bureau reports to ensure consistency in reference numbers, closing dates, and court details. \n\n\n\nProvide written confirmation of these corrections to me and the affected credit bureaus ( TransUnion, Experian, and Equifax ). \n\n\n\nCease reporting any inaccurate or incomplete information related to this bankruptcy. \n\nYou have 30 days from receipt of this letter to comply with these demands. Failure to do so will leave me no choice but to file a lawsuit against XXXX in federal court for FCRA violations. Be advised that I am prepared to retain legal counsel to pursue all available remedies, including substantial damages and full litigation costs. Your willful non-compliance will only strengthen my case for punitive damages. \n\nPlease direct all correspondence to the address listed above. I strongly urge you to take this matter seriously and act promptly to avoid costly litigation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-13T23:40:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"13486587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T23:39:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em>, OH <em>XXXX</em> Subject : <em>Notice</em> of Intent to Sue for FCRA Violations Due to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Dear <em>XXXX</em> Legal & Professional, I am writing to formally notify you of your companys violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681 et seq., and <em>XXXX</em> <em>XXXX</em> compliance standards, stemming from the inaccurate and inconsistent <em>reporting</em> of a <em>Chapter</em> 13 Bankruptcy on my <em>credit</em> <em>reports</em>."],"product":["<em>Credit</em> reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.441917,"13486587"]},{"_index":"complaint-public-v1","_id":"13486745","_score":11.44081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Date : XX/XX/XXXX ] XXXX Legal & Professional XXXX XXXX XXXX. \nXXXX, OH XXXX Subject : Notice of Intent to Sue for FCRA Violations Due to XXXX XXXX XXXX Dear XXXX Legal & Professional, I am writing to formally notify you of your companys violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX compliance standards, stemming from the inaccurate and inconsistent reporting of a Chapter 13 Bankruptcy on my credit reports. These violations have caused me significant harm, including financial loss, emotional distress, and damage to my creditworthiness. Unless these inaccuracies are corrected immediately, I intend to pursue legal action to seek actual damages, statutory damages, punitive damages, attorney fees, and court costs, as permitted under the FCRA. \n\nSpecifically, a review of my credit reports reveals the following inaccuracies in your reporting of a Chapter XXXX Bankruptcy filed on or about XX/XX/XXXX : Inconsistent Reference Numbers : The bankruptcy is reported with different reference numbers across the XXXX major credit bureausTransUnion ( XXXX ), Experian ( XXXX ), and Equifax ( XXXX ) XXXX This inconsistency violates FCRAs requirement for accurate and uniform reporting under 15 U.S.C. 1681e ( b ).\n\nMissing Closing Date for Equifax : The Equifax report omits the closing date for the bankruptcy, while TransUnion and Experian list XX/XX/XXXX. This omission creates an incomplete and misleading record, further violating FCRA standards for accuracy and completeness. \n\n\n\nDiscrepancies in Court Reporting : The court information varies across bureaus, with TransUnion citing U.S. Bankruptcy Court, Experian citing XXXX XXXX XXXX XXXX XXXX, and Equifax citing Federal. This lack of standardization suggests negligent reporting practices. \n\nThese inaccuracies have caused me actual damages, including but not limited to denied credit opportunities, increased borrowing costs, and severe emotional distress due to the ongoing misrepresentation of my financial history. Your failure to maintain reasonable procedures to ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and to investigate and correct these errors upon notice, constitutes willful and negligent violations of the FCRA. \n\nUnder the FCRA, I am entitled to : Actual Damages : Compensation for the financial and emotional harm caused by your inaccurate reporting, with no limit on the award amount. \n\n\n\nStatutory Damages : Up to {$1000.00} per violation, as provided by 15 U.S.C. 1681n, without requiring proof of harm. \n\n\n\nPunitive Damages : An unlimited amount to punish XXXX for its reckless disregard of FCRA obligations and to deter future violations, as per 15 U.S.C. 1681n.\n\nAttorney Fees and Court Costs : Full coverage of litigation expenses, as authorized by 15 U.S.C. 1681o and 1681n.\n\nDemand for Action : I demand that XXXX immediately : Correct the inaccurate bankruptcy information across all credit bureau reports to ensure consistency in reference numbers, closing dates, and court details. \n\n\n\nProvide written confirmation of these corrections to me and the affected credit bureaus ( TransUnion, Experian, and Equifax ). \n\n\n\nCease reporting any inaccurate or incomplete information related to this bankruptcy. \n\nYou have 30 days from receipt of this letter to comply with these demands. Failure to do so will leave me no choice but to file a lawsuit against XXXX in federal court for FCRA violations. Be advised that I am prepared to retain legal counsel to pursue all available remedies, including substantial damages and full litigation costs. Your willful non-compliance will only strengthen my case for punitive damages. \n\nPlease direct all correspondence to the address listed above. I strongly urge you to take this matter seriously and act promptly to avoid costly litigation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-13T23:40:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"13486745","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T23:31:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em>, OH <em>XXXX</em> Subject : <em>Notice</em> of Intent to Sue for FCRA Violations Due to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Dear <em>XXXX</em> Legal & Professional, I am writing to formally notify you of your companys violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681 et seq., and <em>XXXX</em> <em>XXXX</em> compliance standards, stemming from the inaccurate and inconsistent <em>reporting</em> of a <em>Chapter</em> 13 Bankruptcy on my <em>credit</em> <em>reports</em>."],"product":["<em>Credit</em> reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.44081,"13486745"]},{"_index":"complaint-public-v1","_id":"13486586","_score":11.4043045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Date : XX/XX/XXXX ] XXXX Legal & Professional XXXX XXXX XXXX. \nXXXX, OH XXXX Subject : Notice of Intent to Sue for FCRA Violations Due to XXXX XXXX XXXX Dear XXXX Legal & Professional, I am writing to formally notify you of your companys violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX compliance standards, stemming from the inaccurate and inconsistent reporting of a Chapter 13 Bankruptcy on my credit reports. These violations have caused me significant harm, including financial loss, emotional distress, and damage to my creditworthiness. Unless these inaccuracies are corrected immediately, I intend to pursue legal action to seek actual damages, statutory damages, punitive damages, attorney fees, and court costs, as permitted under the FCRA. \n\nSpecifically, a review of my credit reports reveals the following inaccuracies in your reporting of a Chapter XXXX Bankruptcy filed on or about XX/XX/XXXX : Inconsistent Reference Numbers : The bankruptcy is reported with different reference numbers across the XXXX major credit bureausTransUnion ( XXXX ), Experian ( XXXX ), and Equifax ( XXXX ) XXXX This inconsistency violates FCRAs requirement for accurate and uniform reporting under 15 U.S.C. 1681e ( b ).\n\nMissing Closing Date for Equifax : The Equifax report omits the closing date for the bankruptcy, while TransUnion and Experian list XX/XX/XXXX. This omission creates an incomplete and misleading record, further violating FCRA standards for accuracy and completeness. \n\n\n\nDiscrepancies in Court Reporting : The court information varies across bureaus, with TransUnion citing U.S. Bankruptcy Court, Experian citing XXXX XXXX XXXX XXXX XXXX, and Equifax citing Federal. This lack of standardization suggests negligent reporting practices. \n\nThese inaccuracies have caused me actual damages, including but not limited to denied credit opportunities, increased borrowing costs, and severe emotional distress due to the ongoing misrepresentation of my financial history. Your failure to maintain reasonable procedures to ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and to investigate and correct these errors upon notice, constitutes willful and negligent violations of the FCRA. \n\nUnder the FCRA, I am entitled to : Actual Damages : Compensation for the financial and emotional harm caused by your inaccurate reporting, with no limit on the award amount. \n\n\n\nStatutory Damages : Up to {$1000.00} per violation, as provided by 15 U.S.C. 1681n, without requiring proof of harm. \n\n\n\nPunitive Damages : An unlimited amount to punish XXXX for its reckless disregard of FCRA obligations and to deter future violations, as per 15 U.S.C. 1681n.\n\nAttorney Fees and Court Costs : Full coverage of litigation expenses, as authorized by 15 U.S.C. 1681o and 1681n.\n\nDemand for Action : I demand that XXXX immediately : Correct the inaccurate bankruptcy information across all credit bureau reports to ensure consistency in reference numbers, closing dates, and court details. \n\n\n\nProvide written confirmation of these corrections to me and the affected credit bureaus ( TransUnion, Experian, and Equifax ). \n\n\n\nCease reporting any inaccurate or incomplete information related to this bankruptcy. \n\nYou have 30 days from receipt of this letter to comply with these demands. Failure to do so will leave me no choice but to file a lawsuit against XXXX in federal court for FCRA violations. Be advised that I am prepared to retain legal counsel to pursue all available remedies, including substantial damages and full litigation costs. Your willful non-compliance will only strengthen my case for punitive damages. \n\nPlease direct all correspondence to the address listed above. I strongly urge you to take this matter seriously and act promptly to avoid costly litigation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-13T23:40:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"13486586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T23:39:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em>, OH <em>XXXX</em> Subject : <em>Notice</em> of Intent to Sue for FCRA Violations Due to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Dear <em>XXXX</em> Legal & Professional, I am writing to formally notify you of your companys violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681 et seq., and <em>XXXX</em> <em>XXXX</em> compliance standards, stemming from the inaccurate and inconsistent <em>reporting</em> of a <em>Chapter</em> 13 Bankruptcy on my <em>credit</em> <em>reports</em>."],"product":["<em>Credit</em> reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.4043045,"13486586"]},{"_index":"complaint-public-v1","_id":"17307446","_score":11.13337,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"PRIZM FINANCIAL FORMAL REBUTTAL & DEMAND FOR CORRECTION RE : Illegal Repossession During an Active Federal Automatic Stay FTC Identity Theft Report XXXX XXXX  XXXX To Whom It May Concern : This correspondence is a direct rebuttal to the false and misleading statements made by Prizm Financials counsel in response to my consumer complaint. The response submitted on XX/XX/year> is factually incorrect, legally inaccurate, and intentionally omits core federal protections under Title 11 of the United States Code.\n\nYour attorneys explanation is not only dishonest it openly admits conducting that constitutes a willful violation of the automatic stay under 11 U.S.C. 362 ( a ) and a continuing stay violation eligible for damages, sanctions, punitive damages, and attorney fee-shifting under 11 U.S.C. 362 ( k ).\n\nThis statement serves as formal notice that Prizm Financials position is rejected in full.\n\n________________________________________ * * 1. THE AUTOMATIC STAY ATTACHES THE MOMENT A PETITION IS FILED NOT WHEN A CREDITOR DECIDES IT COUNTS. * * Prizm repossessed my vehicle on XX/XX/year>. \nI filed XXXX XXXX case XXXX on XX/XX/year>. \nThis is undisputed. \nUnder Bankruptcy Rule 1002 and 11 U.S.C. 362 ( a ), the stay : activates immediately is effective upon timestamp by the Clerk requires no judge approval to begin is binding on all creditors applies even if a case is later dismissed applies even if a debtor is later found ineligible A filing being barred DOES NOT erase the automatic stay.\n\nA petition under bar is voidable, not void, until the judge rules.\n\nThis is established, controlling bankruptcy law.\n\nYour attorneys claim that the stay did not exist because I was time-barred is legally wrong and deeply misleading. The Clerk accepted the petition, assigned a number, and activated the federal stay. Period.\n\nPrizm repossessed DURING that stay.\n\nStrict liability attaches immediately.\n\n________________________________________ * * 2. EVEN IF THE REPOSSESSION OCCURRED HOURS BEFORE THE FILING, YOUR CONTINUED POSSESSION IS A SEPARATE, ONGOING VIOLATION. * * From XX/XX/XXXX XX/XX/XXXX, Prizm : kept the vehicle refused turnover assessed fees prepared the sale continued collection activity and ultimately auctioned estate property on XX/XX/XXXX XXXX United States Supreme Court precedent and multiple Circuit rulings : Retention of estate property after a post-petition repossession constitutes a continuing violation of the automatic stay. \nIn re XXXX XXXX re XXXX XXXX XXXX. \nIn re XXXX Once you learned of the filing, you were required by law to return the vehicle immediately. \nYou did not. \nThat alone exposes you to damages and punitive sanctions. \n________________________________________ 3. THE TRO AND EMERGENCY MOTION DENIALS DO NOT VALIDATE YOUR MISCONDUCT.\n\nYour attorney intentionally misused the procedural denial of the Temporary Restraining Order to imply legality.\n\nThis is misleading.\n\nTROs are routinely denied when : the issue becomes moot the auction has already been scheduled the case is dismissed while the motion is pending the judge prefers a full evidentiary hearing A TRO denial is NOT a ruling that no stay violation occurred.\n\nIt simply means immediate injunctive relief was not granted.\n\nIt has zero bearing on whether Prizm broke federal law and the docket reflects that the court reviewed the filing, motions, and timeline because the stay DID exist.\n\n________________________________________ 4. PRIZMS CREDIT REPORTING IS NOW UNDER FEDERAL REVIEW.\n\nAny reporting of : repossession charge-off deficiency delinquency after my XX/XX/XXXX filing date violates : FCRA 607 ( b ) ( reasonable procedures ) FCRA 611 ( failure to correct after dispute ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate data ) Your attorneys statement that Prizm will review its credit reporting is a written admission that the information furnished may have been unlawful.\n\nI have filed my FTC Identity Theft Report ( FTC Report XXXX XXXX XXXXXXXX ) and all furnishers are now obligated under 15 U.S.C. 1681c-2 to block any information connected to identity theft, inaccurate reporting, or accounts created/handled during periods of compromised identity or bankruptcy confusion.\n\n________________________________________ 5. PRIZMS RATIONALE IS FACTUALLY FALSE AND LEGALLY UNSUSTAINABLE.\n\nYour counsels response attempted to misrepresent and distort : the meaning of dismissed with prejudice the meaning of time-barred refiling the legal effect of a petition timestamp the nature of stay violations the role of TRO proceedings the statutory requirements of 362 ( a ) and 362 ( k ) Whether a filing is ultimately dismissed, barred, or procedurally imperfect is irrelevant to whether a federal stay was in effect when you acted.\n\nYou acted while the stay was active.\n\nYou retained property while the stay was active.\n\nYou sold property after the stay violation began.\n\nYou continued collection activity during a pending Chapter 13 case.\n\nThese are independent federal violations, each triggering statutory remedies.\n\n________________________________________ 6. FORMAL DEMANDS I hereby demand : 1. Written acknowledgment of the XX/XX/XXXX stay violation ( per 362 ( k ) ) 2. Immediate deletion of ALL negative credit reporting FCRA 607 ( b ), 611, 623 ( a ) 3. Copy of ALL repossession records, logs, timestamps, and communications Required for federal review.\n\n4. Statement of indemnification & remediation for damages incurred due to unlawful repossession and retention.\n\n5. Written explanation of why the vehicle was not immediately returned after filing notice was provided.\n\n________________________________________ 7. NOTICE OF ESCALATION This matter is now being escalated to : CFPB Enforcement Division Texas Attorney General Consumer Protection United States Trustee Program Federal Bankruptcy Court for the Southern District of Texas FTC ( via Report No. 193680000 ) Prizm Financial, Premier Adjusters, and their counsel will be held accountable for : knowingly misleading a federal agency misrepresenting bankruptcy law violating federal stay protections retaining estate property unlawfully unlawful credit reporting failure to mitigate damages and any additional misconduct determined during review ________________________________________ 8. NOTICE TO PRESERVE EVIDENCE You are instructed to preserve all : call logs emails repossession contracts tow truck dispatch times internal notices notes referencing the bankruptcy communications with Premier Adjusters sale documentation data furnished to credit bureaus and attorney memos or billing records connected to this matter Spoliation will be reported immediately.\n\n________________________________________ CONCLUSION Your response attempted to paint me as uninformed.\n\nI assure you : I am not. \nYour actions on XX/XX/year> and the weeks following were in direct violation of federal bankruptcy law, FCRA reporting requirements, and consumer protection statutes. This rebuttal is being formally added to my CFPB file and will be submitted to all relevant federal authorities.\n\nI expect a complete written response within 10 business days. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-11-17T13:44:23.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"17307446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prizm Financial Company, LLC","date_received":"2025-11-17T13:36:48.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["It has zero bearing on whether Prizm broke federal law and the docket reflects that the court <em>reviewed</em> the filing, motions, and timeline because the stay DID exist.\n\n________________________________________ 4. PRIZMS <em>CREDIT</em> <em>REPORTING</em> IS NOW UNDER FEDERAL <em>REVIEW</em>."]},"sort":[11.13337,"17307446"]},{"_index":"complaint-public-v1","_id":"21029506","_score":10.641832,"_source":{"product":"Mortgage","complaint_what_happened":"Freedom Mortgage Corporation serviced our VA-guaranteed mortgage for three years during which they blocked every available relief pathway, then foreclosed. The VA Secretary now holds title to our property following a XX/XX/XXXX trustee sale. We are currently in pre-eviction with unlawful detainer filing expected at any time.My husband is a XXXX XXXX combat veteran XXXX XXXX deployments, XXXX, XXXX XXXX, XXXX XXXX XXXX.We were not asking for a handout. We are asking to pay our mortgage. We were not allowed to. We found out when someone showed up at our door with the notice.Nine documented regulatory violations : Rate cap violation : Freedom Mortgage offered a modification at 7.25 % on a 2.25 % VA loan. VA 's own handbook ( M26-4 Chapter 5 ) caps modifications at existing rate plus 1 % which equals 3.25 % maximum. That is a 400 basis point violation, approximately {$290000.00} in excess cost over the life of the loan. Modification dated XX/XX/XXXX, XXXX XXXX. The VA confirmed the 2.25 % existing rate in its XX/XX/XXXX response to XXXX XXXX. \n\nXXXX failure : Freedom Mortgage sent a letter dated XX/XX/XXXX explicitly naming the VA Servicing Purchase Program and promising evaluation. Nineteen days later, the XX/XX/XXXX decision letter marked every single loss mitigation option as Not Reviewed. \n\nRESPA Notice of Error and Request for Information non-response : Filed XX/XX/XXXX per XXXX XXXX XXXX and XXXX. Freedom Mortgage never acknowledged receipt and never responded within the required timeframes. \n\nDual tracking : Freedom Mortgage continued foreclosure proceedings while loss mitigation applications were pending, in violation of 12 CFR 1024.41.\n\nFalse credit reporting and CARES Act violation : Freedom Mortgage backdated negative credit reporting into the CARES Act protected forbearance window, in violation of CARES Act Section 4022 and FCRA Section 623.\n\nUnauthorized foreclosure under 38 CFR 36.4319 : Freedom Mortgage referred the loan to foreclosure without completing the mandatory loss mitigation sequence. \n\nEscrow overcharges : The XXXX veteran property tax exemption was approved by XXXX XXXX in XX/XX/XXXX. Freedom Mortgage was provided formal written notice with county documentation on XX/XX/XXXX. Freedom Mortgage did not correct the escrow calculation for over XXXX months, inflating the delinquency total. \n\nFailed loss mitigation and XXXX non-submission : Freedom Mortgage never submitted the loss mitigation file to VA 's XXXX compliance tracking system. VA Loan Guaranty supervisor XXXX XXXX confirmed on a recorded call that there has been no XXXX  activity on this loan since XXXX. No compliance review, no infraction logging, and no rate cap check ever occurred. \n\nVA forbearance contract breach : The VA XXXX XXXX XXXX program was sunset mid-forbearance without individual notice to borrowers or a substitute program. \n\nFreedom Mortgage Corporation has $ XXXX in cumulative federal penalties across XXXX enforcement actions. \n\nActive oversight includes the House Veterans Affairs Committee which is investigating, the VA Office of Inspector General with an open investigation Ref XXXX, XXXX XXXX 's XXXX with a formal inquiry through XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the VA level, Wounded Warrior Project whose VP contacted the VA directly , and the Washington State Attorney General. \n\nXXXX published an investigation on XX/XX/XXXX. More than XXXX veteran families have already lost their homes since the VA ended XXXX in XX/XX/XXXX. Over XXXX VA borrowers are currently delinquent. More than XXXX families total impacted.\n\nCongress passed H.R. 1815 unanimously, signed XX/XX/XXXX, requiring VA to establish a partial claim program. Still not implemented almost a year later.","date_sent_to_company":"2026-04-07T22:09:28.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"99202","tags":"Servicemember","has_narrative":true,"complaint_id":"21029506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2026-04-07T21:53:53.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["Dual tracking : Freedom Mortgage continued foreclosure proceedings <em>while</em> loss mitigation applications were pending, in violation of 12 CFR 1024.41.\n\nFalse <em>credit</em> <em>reporting</em> and CARES Act violation : Freedom Mortgage backdated negative <em>credit</em> <em>reporting</em> into the CARES Act protected forbearance window, in violation of CARES Act Section 4022 and FCRA Section 623."]},"sort":[10.641832,"21029506"]},{"_index":"complaint-public-v1","_id":"10719436","_score":10.31948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is an enhanced Notice of Intent to Sue targeting XXXX, XXXX, and Equifax for the removal of inaccurately reported Chapter XXXX Bankruptcy information on your credit report. This version includes references to FCRA, CFPB regulations, U.S. Bankruptcy Code, XXXX XXXX compliance standards, and recent case law. The letter demands immediate removal of the bankruptcy entry and {$1000.00} per violation for non-compliance. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax Information Services LLC Addresses of Each Bureau Subject : Notice of Intent to Sue for Removal of Inaccurate Bankruptcy Reporting and {$1000.00} per Violation Due to FCRA, CFPB, U.S. Bankruptcy Code, and XXXX XXXX Compliance Violations with Supporting Case Law To Whom It XXXX Concern, This letter serves as formal notice of my intent to pursue legal action against XXXX, XXXX, and Equifax for the continued inaccurate reporting of a Chapter XXXX Bankruptcy on my credit file. Despite prior disputes, the bankruptcy information remains unverifiable and inaccurate, violating the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, XXXX Bankruptcy XXXX, and XXXX XXXX compliance standards. I am requesting the immediate removal of this bankruptcy entry from my credit file, along with {$1000.00} per violation in compensation. \n\nInaccuracies in Bankruptcy Reporting The following inconsistencies in my bankruptcy details across XXXX, XXXX, and Equifax highlight the need for immediate deletion : Date Filed : XXXX and XXXX list the bankruptcy filing date as XX/XX/XXXX, while Equifax lists it inaccurately as XX/XX/XXXX. \nReference Number Variations : Reference numbers differ across bureaus, with XXXX on XXXX, XXXX on XXXX, and XXXX on Equifax. \nXXXX XXXX : Each bureau lists the court information differently. XXXX lists XXXX Bankruptcy XXXX, XXXX lists XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and Equifax simply states Federal, causing confusion about the true filing jurisdiction. \nXXXX. Violations of the Fair Credit Reporting Act ( FCRA ) Under FCRA, credit reporting agencies must ensure accuracy in all reported public records and promptly correct or delete any information that can not be verified. These discrepancies in my bankruptcy reporting violate : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to use reasonable procedures to ensure maximum possible accuracy. The conflicting dates, reference numbers, and incomplete court details fail to meet this requirement.\n\n15 U.S.C. 1681i ( a ) Mandates the prompt investigation and deletion of any unverifiable or inaccurate information. The inconsistencies in my bankruptcy reporting show a failure to verify and accurately report, warranting immediate removal. \nIn XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court reinforced that credit reporting agencies are liable for inaccuracies that cause harm to consumers. This ruling underscores the obligation to ensure data accuracy and confirms liability for unresolved errors that impact credit profiles. \n\nAdditionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ruled that failing to conduct a reasonable investigation into disputed information can lead to liability under the FCRA. XXXX, XXXX, and Equifaxs failure to correct or verify these inconsistencies following my dispute indicates non-compliance with FCRA standards. \n\nXXXX. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations mandate that credit reporting agencies avoid engaging in deceptive practices that harm consumers. By reporting conflicting and inaccurate information related to my bankruptcy filing, XXXX, XXXX, and Equifax engage in deceptive practices in violation of CFPB standards, which has harmed my credit reputation. \n\nXXXX. Violations of XXXX Bankruptcy XXXX Under the XXXX Bankruptcy XXXX ( Title XXXX of the United States Code ), a discharged bankruptcy provides a fresh start by relieving certain debts. Reporting agencies have a duty to accurately reflect the status of discharged debts and avoid inaccuracies that misrepresent my legal status : 11 U.S.C. 524 ( a ) Specifies that a discharge serves as an injunction against any further action to collect discharged debts. The continued presence of unverifiable bankruptcy data conflicts with this protection by falsely suggesting unresolved financial obligations. \n11 U.S.C. 727 States that a Chapter XXXX discharge releases the debtor from liability for most debts, which must be reflected accurately in credit reports to uphold the fresh start protections under XXXX bankruptcy law. \nXXXX. Violations of XXXX XXXX Compliance Standards XXXX XXXX standards, established by the Consumer Data Industry Association ( CDIA ), mandate accurate and standardized data coding across all fields for consumer protection. The inconsistencies in my bankruptcy reporting violate key XXXX XXXX fields, as follows : Account Type Code The Account Type Code for bankruptcy records must consistently be coded as XXXX ( Bankruptcy ) to ensure clarity. Any variation in coding across bureaus conflicts with XXXX XXXX standards and creates reporting inaccuracies. \nCompliance Condition Code When a bankruptcy is XXXX, the Compliance Condition Code should reflect C ( Completed or Closed ). If not accurately reported, this code implies the debt is still active, violating XXXX XXXX standards. \nAccount Status Code Following a discharge, the Account Status Code should be XXXX ( Transferred/Closed ) for consistency across all bureaus. Reporting different or ambiguous statuses contradicts XXXX XXXX standards, creating potential confusion among creditors reviewing my credit report. \nRemedy Sought To resolve these violations without litigation, I request that XXXX, XXXX, and Equifax : Remove the inaccurate and unverifiable bankruptcy entry from my credit report across all three bureaus. \nProvide written confirmation that this entry has been deleted to ensure its removal from my credit profile. \nCompensate me {$1000.00} per violation for each instance of non-compliance, as allowed under FCRA, CFPB regulations, XXXX Bankruptcy XXXX, and XXXX XXXX standards. \nIf these actions are not completed within 30 days of receiving this letter, I am prepared to file a lawsuit seeking statutory, actual, and punitive damages under FCRA, CFPB regulations, XXXX Bankruptcy XXXX, XXXX XXXX standards, and relevant case law. \n\nConclusion This letter serves as the final opportunity for XXXX, XXXX, and Equifax to correct these reporting violations. Failure to act within the specified timeframe will result in legal action seeking full damages and corrective measures. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-06T18:48:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"22408","tags":null,"has_narrative":true,"complaint_id":"10719436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-06T18:41:47.000Z","state":"VA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Bankruptcy Code, and <em>XXXX</em> <em>XXXX</em> Compliance Violations with Supporting Case Law To Whom It <em>XXXX</em> Concern, This letter serves as formal <em>notice</em> of my intent to pursue legal action against <em>XXXX</em>, <em>XXXX</em>, and Equifax for the continued inaccurate <em>reporting</em> of a <em>Chapter</em> <em>XXXX</em> Bankruptcy on my <em>credit</em> file."],"product":["<em>Credit</em> reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.31948,"10719436"]},{"_index":"complaint-public-v1","_id":"6517547","_score":10.14152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my XXXX XXXX. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX XXXX XXXX to XXXX. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. XXXX XXXX XXXX ( B ) clearing states that A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX ( B ) XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party XXXX XXXX XXXX ( B ) XXXX the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of XXXX ( XXXX XXXX. XXXX ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) protects personal financial information collected by consumer reporting agencies. The XXXX limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as \" pretexting. '' XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \nYou have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form XXXX, you must report cancelled debt as gross income on your tax return. \nThe IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! \nBy Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate. \n15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. \nYou ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!\n\n15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. \nYou are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.\n\nThe lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.\n\nThe above paragraph is taken directly from the IRS XXXX  publication.\n\nSEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.","date_sent_to_company":"2023-02-01T19:13:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6517547","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-02-01T19:11:02.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Notice</em> to Cease and Desist This is in reference to the Consumer <em>Report</em> sent by <em>XXXX</em>, <em>XXXX</em> and <em>XXXX</em>. <em>While</em> checking my <em>credit</em> <em>report</em>, it came to my <em>notice</em> that <em>XXXX</em> has furnished an account <em>XXXX</em> my <em>XXXX</em> <em>XXXX</em>. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.14152,"6517547"]},{"_index":"complaint-public-v1","_id":"6517436","_score":10.079355,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as \" pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \nYou have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return. \nThe IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! \nBy Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate. \n15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. \nYou ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately! \n15 USC 1681 s-2 ( a ) ( XXXX ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. \nYou are hereby put on NOTICE that you are furnishing incorrect/inaccurate information. \nThe lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX. \nThe above paragraph is taken directly from the IRS 2021 publication.\n\nSEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.","date_sent_to_company":"2023-02-01T19:22:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6517436","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-02-01T19:19:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Notice</em> to Cease and Desist This is in reference to the Consumer <em>Report</em> sent by <em>XXXX</em>, <em>XXXX</em> and <em>XXXX</em>. <em>While</em> checking my <em>credit</em> <em>report</em>, it came to my <em>notice</em> that <em>XXXX</em> has furnished an account <em>XXXX</em> my Consumer <em>Reports</em>. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.079355,"6517436"]},{"_index":"complaint-public-v1","_id":"6517525","_score":10.0789,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my XXXX XXXX. According to XXXX XXXX XXXX ( XXXX ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as \" pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\nYou have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.\n\nThe IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!\n\nBy Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.\n\n15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. \nYou ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately! \n15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.\n\nYou are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.\n\nThe lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. \nThe above paragraph is taken directly from the IRS XXXX publication. \nSEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.","date_sent_to_company":"2023-02-01T19:08:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6517525","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-02-01T19:04:50.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Notice</em> to Cease and Desist This is in reference to the Consumer <em>Report</em> sent by <em>XXXX</em>, <em>XXXX</em> and <em>XXXX</em>. <em>While</em> checking my <em>credit</em> <em>report</em>, it came to my <em>notice</em> that <em>XXXX</em> has furnished an account <em>XXXX</em> my <em>XXXX</em> <em>XXXX</em>. According to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.0789,"6517525"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":127,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":127}]}},"product":{"doc_count":127,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":45}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":30},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":8},{"key":"I do not know","doc_count":6},{"key":"Auto debt","doc_count":1},{"key":"Federal student loan debt","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Mortgage","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"FHA mortgage","doc_count":3},{"key":"Other type of mortgage","doc_count":3},{"key":"VA mortgage","doc_count":3},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":7}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":2},{"key":"Federal student loan servicing","doc_count":1}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Credit card","doc_count":2,"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":2}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose 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