{"took":144,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1152,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9098761","_score":16.99191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against IQ Data International Inc. for reporting inaccurate and outdated information on my credit report. This issue has caused significant distress and inconvenience, and I am seeking your assistance to rectify this matter promptly. \n\nThe details of my complaint are as follows : Account Information : Creditor : IQ Data International Inc. \nOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Nature of the Complaint : In XXXX, I resolved the outstanding balance on the above-referenced account in full. Prior to the payment, the account was removed from collections. Despite this, IQ Data Inc. continues to report this account as delinquent on my credit report, which is not only inaccurate but also outdated.\n\nImpact on My Credit Report : The incorrect reporting by IQ Data Inc. has adversely affected my credit score and has caused unwarranted harm to my financial reputation. It has also resulted in difficulties obtaining credit and other financial services, as potential creditors are being misled by the incorrect information. \n\nActions Taken : I have contacted IQ Data Inc. directly to address this issue but have not received a satisfactory resolution. \nI have also disputed this inaccurate information with the credit reporting agencies, yet the incorrect data persists on my report. \nXXXX XXXX  : I request the Consumer Financial Protection Bureau to : Investigate IQ Data Inc. 's continued reporting of incorrect and outdated information on my credit report.\n\nRequire IQ Data Inc. to correct the inaccurate information and update all relevant credit reporting agencies to reflect that the account was paid in full and is no longer in collections. \nEnsure that IQ Data Inc. takes measures to prevent such issues from recurring in the future. \nEnclosed are copies of relevant documents, including proof of payment, correspondence with XXXX XXXX XXXX XXXXXXXX and IQ Data Inc. \n\nI appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. \n\nThank you for your time and consideration.","date_sent_to_company":"2024-05-25T18:42:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75219","tags":null,"has_narrative":true,"complaint_id":"9098761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-05-25T18:13:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have also disputed this inaccurate <em>information</em> with the credit <em>reporting</em> agencies, yet the <em>incorrect</em> data persists on my <em>report</em>. \n<em>XXXX</em> <em>XXXX</em>  : I request the Consumer Financial Protection Bureau to : Investigate IQ Data <em>Inc</em>. 's continued <em>reporting</em> of <em>incorrect</em> and outdated <em>information</em> on my credit <em>report</em>.\n\nRequire IQ Data <em>Inc</em>. to correct the inaccurate <em>information</em> and update all relevant credit <em>reporting</em> agencies to reflect that the account was paid in full and is no longer in collections."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[16.99191,"9098761"]},{"_index":"complaint-public-v1","_id":"12225208","_score":14.979123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX XXXX Subject : Dispute of Incorrect Account Opening Date Dear TRANSWORLD SYSTEM INC, I am writing to formally dispute the incorrect account opening date reported on my credit report with your institution. According to my records, the account was opened on [ XX/XX/XXXX ], but my credit report ( or your records ) incorrectly lists the opening date as [ XX/XX/XXXX ]. According to my records, the original creditor ( XXXX XXXX XXXX states that the financial history in regards to the collection started on [ XX/XX/XXXX ] This discrepancy may negatively impact my credit history, and I kindly request that you investigate this matter and update your records accordingly. Enclosed, I have included copies of relevant documents, such as account statements or confirmation letters, to support my claim. \n\nPlease correct this error and notify the credit bureaus of the updated information. Additionally, I request a written confirmation once the correction has been made. If any further information is needed, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring the accuracy of my account information. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-26T21:26:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89014","tags":null,"has_narrative":true,"complaint_id":"12225208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-02-26T21:05:04.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em>, NV <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> TRANSWORLD SYSTEM <em>INC</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Washington, PA <em>XXXX</em> <em>XXXX</em> Subject : Dispute of <em>Incorrect</em> Account Opening Date Dear TRANSWORLD SYSTEM <em>INC</em>, I am writing to formally dispute the <em>incorrect</em> account opening date <em>reported</em> on my credit <em>report</em> with <em>your</em> institution."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["TRANSWORLD SYSTEMS <em>INC</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[14.979123,"12225208"]},{"_index":"complaint-public-v1","_id":"6966689","_score":14.978225,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["CFPB <em>REPORT</em> # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> TRANSUNION INTERMEDIATE HOLDINGS , <em>INC</em> ."],"company":["TRANSUNION INTERMEDIATE HOLDINGS, <em>INC</em>."]},"sort":[14.978225,"6966689"]},{"_index":"complaint-public-v1","_id":"7728259","_score":14.771954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an erroneous reporting made by Self Inc to the credit bureaus, which has adversely affected my credit score. I discovered in XXXX that an account under my name with Self Inc had been reported with late payments, despite the fact that I did not open this account and had no knowledge of its existence until then. \n\nUpon discovering this, I immediately contacted Self Inc to request the closure of the fraudulent account. However, despite my request, the account remained active. Furthermore, when I asked Self Inc to provide verification that I had indeed opened the account, they failed to provide any useful information that could ascertain the legitimacy of the accounts opening. \n\nThis incorrect reporting has not only impacted my credit score negatively but has also caused me a great deal of stress and inconvenience. I have taken steps to resolve this issue with Self Inc directly to no avail. Therefore, I am seeking the assistance of the CFPB to investigate this matter and to ensure the necessary corrections are made to my credit report promptly. \n\nI am willing to provide any further information or documentation required to support my case. Please feel free to contact me at ( your contact information ). I earnestly look forward to your prompt intervention to rectify this erroneous credit reporting. \n\nThank you for your time and consideration.","date_sent_to_company":"2023-10-19T21:52:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55337","tags":null,"has_narrative":true,"complaint_id":"7728259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2023-10-19T21:42:46.000Z","state":"MN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to bring to <em>your</em> attention an erroneous <em>reporting</em> made by Self <em>Inc</em> to the credit bureaus, which has adversely affected my credit score. I discovered in <em>XXXX</em> that an account under my name with Self <em>Inc</em> had been <em>reported</em> with late payments, despite the fact that I did not open this account and had no knowledge of its existence until then. \n\nUpon discovering this, I immediately contacted Self <em>Inc</em> to request the closure of the fraudulent account."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Self Financial <em>Inc</em>."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.771954,"7728259"]},{"_index":"complaint-public-v1","_id":"11550084","_score":14.690699,"_source":{"product":"Debt collection","complaint_what_happened":"Letter For Collections Date : XX/XX/XXXX To Whom It May Concern : Attention Credit Reporting Agencies, XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX I have no knowledge of this debt and the debt was allegedly purchased by IQ DATA INTERNATIONAL INC. This account must be deleted as the status of this account is entirely incorrect, the amount stated on my credit report is also not correct ( {$7900.00} ). This account has been purchased by IQ DATA INTERNATIONAL INC for a lower amount. \n\n\nThe information being reported is not CORRECT, NOT ACCURATE, NOT COMPLETE AND NOT FAIR which VIOLATES the FCRA policy. I demand that this account be removed from my credit report IMMEDIATELY!! \n\nIQ DATA INTERNATIONAL INC has also failed to validate this debt in the timely manner given. There are numerous errors being reported with this account which is not accurate or complete per FCRA guidelines. They have also failed to provide a contract signed by myself agreeing to the terms of this debt. I DO NOT HAVE A LEGALLY SIGNED CONTRACT WITH IQ DATA INTERNATIONAL INC. This debt is being reported illegally and must be DELETED IMMEDIATELY. \n\nIn your response you stated that this debt came to your office on XXXX of XXXX. Which means you have purchased this debt for much lower than {$7900.00}. Which also means that this amount on my credit report should reflect as such since that previous debt of {$7900.00} is no longer accurate. The debt has been written off. Which also means it is being reported illegally. FCRA states that ALL INFORMATION being reported will be ACCURATE, COMPLETE AND FAIR. Which means that this total is incorrect and this account must be REMOVED IMMEDIATELY. \n\n\nThank You","date_sent_to_company":"2025-01-15T07:24:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30318","tags":"Servicemember","has_narrative":true,"complaint_id":"11550084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-01-15T06:50:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Letter For Collections Date : XX/XX/<em>XXXX</em> To Whom It May Concern : Attention Credit <em>Reporting</em> Agencies, <em>XXXX</em>, <em>XXXX</em>, XXXXXXXX <em>XXXX</em>  <em>XXXX</em>, <em>XXXX</em> I have no knowledge of this debt and the debt was allegedly purchased by IQ DATA INTERNATIONAL <em>INC</em>. This account must be deleted as the status of this account is entirely <em>incorrect</em>, the amount stated on my credit <em>report</em> is also not correct ( {$7900.00} ). This account has been purchased by IQ DATA INTERNATIONAL <em>INC</em> for a lower amount."]},"sort":[14.690699,"11550084"]},{"_index":"complaint-public-v1","_id":"11662307","_score":14.542412,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : DISPUTE OF INACCURATE INFORMATION - MIDLAND CREDIT MANAGEMENT INC ( Account # XXXX ) **Consumer File # [ Your File Number ] To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect information that is currently being reported on my credit report regarding an account with Midland Credit Management Inc ( Account Number : XXXX ). This account contains false information and is being reported in error. \nThe disputed account has incorrect details as outlined below : 1. Account Number : XXXX ( MIDLAND CREDIT MANAGEMENT INC ) 2. Balance Reported : {$400.00} 3. Account Status : reported as delinquent The information being reported is completely inaccurate for the following reasons : * The information is incorrect, and should not be on my credit report. Also addresses on file are inaccurate and I have proof of this I demand an immediate and thorough investigation into this matter, as this false information is harming my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days and provide written confirmation of the resolution. \nPlease remove this erroneous entry from my credit report or update it to accurately reflect the true status of this account. If this inaccurate information is not corrected within the required timeframe, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I will explore legal remedies for any harm caused by this inaccurate reporting. \nI expect a prompt resolution to this matter, and I request that you provide me with a corrected copy of my credit report once the dispute has been resolved. \nThank you for your immediate attention to this issue. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T19:28:54.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"46074","tags":null,"has_narrative":true,"complaint_id":"11662307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-01-17T19:13:42.000Z","state":"IN","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, PA <em>XXXX</em> RE : DISPUTE OF INACCURATE <em>INFORMATION</em> - MIDLAND CREDIT MANAGEMENT <em>INC</em> ( Account # <em>XXXX</em> ) **Consumer File # [ <em>Your</em> File Number ] To Whom It May Concern, I am writing to formally dispute the inaccurate and <em>incorrect</em> <em>information</em> that is currently being <em>reported</em> on my credit <em>report</em> regarding an account with Midland Credit Management <em>Inc</em> ( Account Number : <em>XXXX</em> ). This account contains false <em>information</em> and is being <em>reported</em> in error."],"company":["ENCORE CAPITAL GROUP <em>INC</em>."]},"sort":[14.542412,"11662307"]},{"_index":"complaint-public-v1","_id":"7524761","_score":14.53621,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have had ongoing issues with incorrect credit card balance reporting by Upgrade Inc. on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like Upgrade Inc. to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a XXXX. Specifically, my Upgrade Inc. account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My Upgrade Inc. account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, Upgrade Inc. has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). Upgrade Inc. and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.","date_sent_to_company":"2023-09-09T22:33:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7524761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2023-09-09T22:18:06.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have had ongoing issues with <em>incorrect</em> credit card balance <em>reporting</em> by Upgrade <em>Inc</em>. on my credit <em>reports</em> prepared by the three major credit <em>reporting</em> agencies ( <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> ). This inaccurate <em>reporting</em> violates the Fair Credit <em>Reporting</em> Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like Upgrade <em>Inc</em>. to properly investigate and correct inaccurate <em>information</em> after receiving notice of a consumer dispute from a <em>XXXX</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["UPGRADE, <em>INC</em>."],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[14.53621,"7524761"]},{"_index":"complaint-public-v1","_id":"14094507","_score":14.346247,"_source":{"product":"Debt collection","complaint_what_happened":"According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report.\n\nSubject : Dispute of Inaccurate Credit Reporting Information Dear CFPB, I am writing to file a formal complaint regarding inaccurate information reported on my credit\nfile by National Credit System Inc., regarding an account with the original creditor XXXX XXXX at XXXX. \n\nThe following details outline my complaint : Original Creditor : XXXX XXXX at XXXX XXXX Agency : National Credit System Inc. \n\nAddress of Collection Agency : XXXX XXXX XXXX XXXX, XXXX, GA XXXX The information being reported is inaccurate because I have never lived at XXXX XXXX XXXX XXXX. I have resided exclusively at XXXX XXXX XXXX, XXXX, TX XXXX for the past 19 years. Despite this fact, National Credit System Inc. continues to report this incorrect information, negatively affecting my credit profile.\n\nI have reached out to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to dispute this information under my rights granted by the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i. However, I am requesting your assistance in ensuring a thorough investigation is conducted and that the inaccurate information is removed from my credit file.\n\nAdditionally, I request that National Credit System Inc. provide signed documentation for debt validation and any proof supporting their claim to my address above.\n\nThis inaccurate reporting has caused unnecessary damage to my credit and financial standing. I appreciate your prompt attention to this matter and your assistance in resolving this dispute.\n\nThank you for your time and support. \n\nXXXX XXXX XXXX XXXX : XXXX Phone : XXXX","date_sent_to_company":"2025-06-16T23:28:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"77040","tags":null,"has_narrative":true,"complaint_id":"14094507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-06-16T22:48:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Despite this fact, National Credit System <em>Inc</em>. continues to <em>report</em> this <em>incorrect</em> <em>information</em>, negatively affecting my credit profile.\n\nI have reached out to the credit bureaus <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> to dispute this <em>information</em> under my rights granted by the Fair Credit <em>Reporting</em> Act ( FCRA ) and 15 U.S. Code 1681i. However, I am requesting <em>your</em> assistance in ensuring a thorough investigation is conducted and that the inaccurate <em>information</em> is removed from my credit file."],"company":["National Credit Systems,<em>Inc</em>."]},"sort":[14.346247,"14094507"]},{"_index":"complaint-public-v1","_id":"11180041","_score":14.215567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802. \n\nPossible Financial Inc Acct XXXX XXXX XXXX XXXX XXXX To whom It may Concern. I'm reaching out because XXXX XXXX XXXX is helping Possible Financial Inc by putting incorrect information relating to my credit report. The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. According to USC1681s-2 ( Possible Finance Inc Acct XXXX, XXXX, XXXX, XXXX ) as a provider of information to a credit reporting agency, it is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report. Thank You","date_sent_to_company":"2024-12-16T19:05:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"11180041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2024-12-16T19:04:02.000Z","state":"DE","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Reporting</em> this debt is <em>incorrect</em> or could be called Tax fraud. According to USC1681s-2 ( Possible Finance <em>Inc</em> Acct <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> ) as a provider of <em>information</em> to a credit <em>reporting</em> agency, it is prohibited by law from sharing inaccurate <em>information</em>."],"issue":["Improper use of <em>your</em> <em>report</em>"],"company":["Possible Financial <em>Inc</em>"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[14.215567,"11180041"]},{"_index":"complaint-public-v1","_id":"3170037","_score":14.115281,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I attempted to apply as a driver for the XXXX app XXXX on Thursday, XX/XX/XXXX. I consented to a routine background check that was to be conducted by the company Checkr. \nI received three emails on the XXXX from Checkr, which contained documents including a summary of my background check, fcra summary of rights, and several state laws pertaining to the legal handling of background checks. \nUpon the receipt of these summaries, I noticed an error in the reporting of my current address and license. My address was listed with an XXXX  zip code, where I have lived previously. My address since XX/XX/XXXX has been in XXXX. My license was listed as expired ; I was issued an XXXX  license in XXXX that is not set to expire until XXXX. \n\nI sent an email with the subject line 'Incorrect Background Check ' to XXXX on XX/XX/XXXX to detail the error on my background report and to request an update to my summary. I did not receive a response about this e-mail. \n\nI received an email with the subject line 'Post-adverse action notice - XXXX ' from XXXX on XX/XX/XXXX which contained this message : Mon XXXX XX/XX/XXXX Personal & Confidential Dear [ my name ] We are writing to inform you that we are declining your request for an engagement. Checkr, Inc., a consumer reporting agency, provided the Company with a consumer report in connection with your proposal to enter an independent contractor relationship. The Companys decision to deny your proposal was based in whole or in part on information contained in that consumer report and an individualized assessment of any additional information that you provided us. \n\nThe Company considered these specific items when declining your request for an engagement : LICENSE STATUS : EXPIRED Checkr , Inc. is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and can be reached at XXXX or https : //checkr.com/applicant. Checkr, Inc. did not make the decision to take this action and can not provide you with information about the Companys decision. Any inquiries regarding that decision should be directed to the undersigned. You, nevertheless, have a right to contact Checkr, Inc. to dispute any information in the consumer report that you believe to be inaccurate or incomplete. You should already have received a copy of the consumer report, but have a right to obtain additional free copies from Checkr, Inc. You have 60 days from the date you receive this notice to request additional free copies of any such reports from Checkr , Inc. \n\nThank you for your interest in the Company.","date_sent_to_company":"2019-03-05T17:26:03.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"85281","tags":null,"has_narrative":true,"complaint_id":"3170037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Checkr, Inc","date_received":"2019-03-05T16:51:37.000Z","state":"AZ","company_public_response":null,"sub_issue":"Information that should be on the report is missing"},"highlight":{"complaint_what_happened":["The Companys decision to deny <em>your</em> proposal was based in whole or in part on <em>information</em> contained in that consumer <em>report</em> and an individualized assessment of any additional <em>information</em> that you provided us. \n\nThe Company considered these specific items when declining <em>your</em> request for an engagement : LICENSE STATUS : EXPIRED Checkr , <em>Inc</em>. is located at <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 can be reached at <em>XXXX</em> or https : //checkr.com/applicant."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Checkr, <em>Inc</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["<em>Information</em> that should be on the <em>report</em> is missing"]},"sort":[14.115281,"3170037"]},{"_index":"complaint-public-v1","_id":"3386225","_score":14.101918,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX of XXXX, Illinois and owned by XXXX XXXX XXXX and XXXX XXXX XXXX, have, since 2015 reported to the credit bureaus an amount owed by me of {$730.00}. This was an incorrect amount as it did not reflect insurance payments received by them. I have contested this amount for these very reasons numerous times since 2015 and it was repeatedly, and incorrectly, reported by XXXX XXXX XXXX XXXX as being the incorrect amount. This was confirmed to me today by their bookeeper, XXXX XXXX. Remarkably, they take no responsibility for this incorrect and damaging information they simply said \" Although we reported it incorrectly to the collection company ( Certified Services , Inc of XXXX, Illinois ) we are no longer repsonsible since they reported it on your credit. When I challenged this statement by saying \" But you gave them the wrong information '' they acknowledged that but still denied responsibilty saying \" Once we report it we're done '' I believe the law requires them to correct negative information they know to be incorrect. \n\nI have tried to pay the proper amount since 2015 but have been thwarted ever since. This has been a stain on my credit report and an inaccurate one as well. Consumers are supposed to pay their bills but providers and collection agencies are required to provide factual information and, when a verification request is promulgated they are supposed to research and update the record as required by law. Both XXXX XXXX XXXX XXXX and Certified Service, Inc ignored the law and continued to report incorrect information for 4 years despite numerously repeated efforts by me to get the information corrected so that I could pay it.. \nThank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX","date_sent_to_company":"2019-09-25T20:46:39.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"60077","tags":null,"has_narrative":true,"complaint_id":"3386225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Certified Services, Inc.","date_received":"2019-09-25T20:15:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Remarkably, they take no responsibility for this <em>incorrect</em> and damaging <em>information</em> they simply said \" Although we <em>reported</em> it <em>incorrectly</em> to the collection company ( Certified Services , <em>Inc</em> of <em>XXXX</em>, Illinois ) we are no longer repsonsible since they <em>reported</em> it on <em>your</em> credit."],"company":["Certified Services, <em>Inc</em>."]},"sort":[14.101918,"3386225"]},{"_index":"complaint-public-v1","_id":"12776074","_score":14.078825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This company reported to XXXX and closed. They are stating to the CFPB that the account is correct and owed. This is incorrect information. \nIve attached the current notice in XXXX and would like all noticed and updated. \n\n\n\nGreat! A Collection was closed Between XX/XX/year> and XX/XX/year>, your MIDLAND CREDIT MANAGEMENT INC collections account was reported as closed. \nThis is great news! Even though closing or settling a collections account may not have an immediate effect on your credit score, the negative impact of your collections accounts will usually fade over time.","date_sent_to_company":"2025-04-02T17:24:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98362","tags":null,"has_narrative":true,"complaint_id":"12776074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-04-02T17:17:04.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This company <em>reported</em> to <em>XXXX</em> and closed. They are stating to the CFPB that the account is correct and owed. This is <em>incorrect</em> <em>information</em>. \nIve attached the current notice in <em>XXXX</em> and would like all noticed and updated. \n\n\n\nGreat! A Collection was closed Between XX/XX/year> and XX/XX/year>, <em>your</em> MIDLAND CREDIT MANAGEMENT <em>INC</em> collections account was <em>reported</em> as closed. \nThis is great news!"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["ENCORE CAPITAL GROUP <em>INC</em>."],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[14.078825,"12776074"]},{"_index":"complaint-public-v1","_id":"8040080","_score":14.018272,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Against Transworld Systems Inc - Incorrect Debt Collections I am writing to file a formal complaint against Transworld Systems Inc, a debt collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, with the contact number XXXX. This complaint pertains to an alleged debt under XXXX XXXX and XXXX XXXX XXXX XXXX, totaling {$70.00} and {$110.00}, respectively. I vehemently dispute the validity of these debts, as I do not owe any amounts to either of these entities. \n\nDetails of the Complaint : Debts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : Transworld Systems Inc. has been attempting to collect debts on behalf of XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, totaling {$70.00} and {$110.00}, respectively. I want to make it unequivocally clear that these debts are not mine, and I dispute their validity. \n\nLack of Validity and Documentation : Despite my multiple requests for validation and documentation confirming the legitimacy of these debts, Transworld Systems Inc. has failed to provide any substantial evidence proving that I am the rightful debtor. I have not received any verification of the debts, and I believe this collection is in error. \n\nIncorrect Debt Ownership : These debts do not belong to me, and I am concerned that there may be a case of mistaken identity or an error in the assignment of these debts to my name. \n\nI kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Transworld Systems Inc. \nVerify the legitimacy of the debts in question and confirm whether they are indeed associated with my name. \nTake appropriate action to ensure compliance with consumer protection laws and correct any errors in the debt collection process. \nI am deeply concerned about the accuracy of the information being reported by Transworld Systems Inc., and I believe their actions may violate the Fair Debt Collection Practices Act ( FDCPA ). Your intervention is crucial in protecting my consumer rights and rectifying this situation. \n\n\nThank you for your immediate attention to this complaint. I trust that your investigation will bring clarity to this matter and prevent further harm to my credit and consumer rights.","date_sent_to_company":"2023-12-22T00:13:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"89104","tags":null,"has_narrative":true,"complaint_id":"8040080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2023-12-21T23:55:45.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am deeply concerned about the accuracy of the <em>information</em> being <em>reported</em> by Transworld Systems <em>Inc</em>., and I believe their actions may violate the Fair Debt Collection Practices Act ( FDCPA ). <em>Your</em> intervention is crucial in protecting my consumer rights and rectifying this situation. \n\n\nThank you for <em>your</em> immediate attention to this complaint. I trust that <em>your</em> investigation will bring clarity to this matter and prevent further harm to my credit and consumer rights."],"company":["TRANSWORLD SYSTEMS <em>INC</em>"]},"sort":[14.018272,"8040080"]},{"_index":"complaint-public-v1","_id":"13642375","_score":13.880554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against Transworld Systems Inc. and XXXX XXXX regarding inaccurate and misleading information being reported to XXXX XXXX XXXX in connection with a debt I previously settled. \n\nOn XX/XX/year>XXXX I reached a settlement agreement with Transworld Systems Inc. for the account originally held by XXXX XXXX. The terms of the settlement were fulfilled, and the account was resolved accordingly. However, rather than updating the account to reflect the settlement or removing it entirely from my credit report, Transworld Systems Inc. and XXXX have : * Updated the account status to \" charge-off '' * Reported an incorrect remaining balance, which does not reflect the settled status * Continued to report this inaccurate information to XXXX XXXX XXXX despite being notified of the error It is important to note that XXXXXXXXXXXX has correctly updated this account to reflect its settled status, demonstrating that XXXX XXXX XXXXs capable of reporting accurate information but is choosing not to do so with XXXX XXXX XXXX \n\nThis is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information report accurate and complete information. \n\nI am requesting the CFPB to investigate this matter and compel XXXX XXXX and Transworld Systems Inc. to : 1. Correct the account status with XXXX to reflect that the account was settled in full for less than the full balance, and 2. Update the balance to show {$0.00} or the correct settled balance, in accordance with the settlement terms. \n\nI have attached supporting documentation, including proof of settlement and credit report excerpts, for your review. \n\nThank you for your assistance in this matter. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-21T17:30:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"13642375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-05-21T16:46:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["that <em>XXXX</em> <em>XXXX</em> <em>XXXXs</em> capable of <em>reporting</em> accurate <em>information</em> but is choosing not to do so with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n\nThis is a clear violation of the Fair Credit <em>Reporting</em> Act ( FCRA ), which requires that furnishers of <em>information</em> <em>report</em> accurate and complete <em>information</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["TRANSWORLD SYSTEMS <em>INC</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[13.880554,"13642375"]},{"_index":"complaint-public-v1","_id":"9541336","_score":13.790579,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by AFFIRM INC Dear CFPB, This letter is to file a complaint against AFFIRM INC for violating the Fair Debt Collection Practices Act ( FDCPA ). \n\nThe collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ). \nFailing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). \nFurnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). \nAFFIRM INC is reporting incorrect information on my credit report such as Wrong amount is reported please remove. \nI am informing AFFIRM INC that i am disputing all owing and any debts, I am revoking all my rights of communication with AFFIRM INC through email, text, calls. \nIn this letter i am requesting debt validation, I am also requesting the purchase order agreement between AFFIRM INC and the original creditor, I am also requesting AFFIRM INC to furnish proof that they are licensed and bonded. \n\nI request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. \n\nI have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. \n\nSincerely, Your Signature XXXX XXXX","date_sent_to_company":"2024-07-17T06:13:11.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"9541336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2024-07-17T06:02:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Furnishing inaccurate <em>information</em> about the debt to credit <em>reporting</em> agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). \nAFFIRM <em>INC</em> is <em>reporting</em> <em>incorrect</em> <em>information</em> on my credit <em>report</em> such as Wrong amount is <em>reported</em> please remove. \nI am informing AFFIRM <em>INC</em> that i am disputing all owing and any debts, I am revoking all my rights of communication with AFFIRM <em>INC</em> through email, text, calls."],"company":["Affirm Holdings, <em>Inc</em>"]},"sort":[13.790579,"9541336"]},{"_index":"complaint-public-v1","_id":"9034393","_score":13.66613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Transworld Systems Inc regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. Transworld Systems Inc has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. \n\nThe actions of Transworld Systems Inc are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. \n\nI hereby request that Transworld Systems Inc verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from Transworld Systems Inc as of the date of this complaint, XX/XX/XXXX. \n\nI trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against Transworld Systems Inc to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2024-05-17T23:35:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"547XX","tags":null,"has_narrative":true,"complaint_id":"9034393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-05-17T23:15:29.000Z","state":"WI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against Transworld Systems <em>Inc</em> regarding their attempts to collect a debt of {$980.00} allegedly owed to <em>XXXX</em> <em>XXXX</em>. Transworld Systems <em>Inc</em> has inaccurately claimed that the account was opened on XX/XX/<em>XXXX</em>, which contradicts the fact that I was with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> as a longstanding customer as of XX/XX/<em>XXXX</em>. This misinformation constitutes fraudulent and <em>incorrect</em> <em>reporting</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["TRANSWORLD SYSTEMS <em>INC</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.66613,"9034393"]},{"_index":"complaint-public-v1","_id":"8661170","_score":13.613148,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Dispute Letter to CFPB Regarding Collection Activity XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by National Credit Systems , Inc Dear CFPB, This letter is to formally file a complaint against National Credit Systems , Inc for violating the Fair Debt Collection Practices Act ( FDCPA ). \n\nAccount DetailsXXXX Nature of Complaint : I am writing to report that National Credit Systems , Inc has engaged in unfair and deceptive debt collection practices in violation of the FDCPA. Specifically, they have : Failed to Provide Validation Information : I have not received any written communication from National Credit Systems , Inc validating the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ).\n\nDenied Opportunity to Dispute : I have not been given a chance to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).\n\nFurnished False Information : National Credit Systems , Inc placed a collection account on my credit report without providing the necessary disclosures mandated by law ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) ).\n\nThese actions by National Credit Systems , Inc constitute a violation of my consumer rights and utilize false, misleading, misrepresentative, and deceptive means. \n\n\nI request that the CFPB investigate this matter and take appropriate action against National Credit System , Inc. This may include : * Ordering National Credit Systems , Inc to cease and desist from further collection activity until the debt is validated. \n* Instructing them to remove the negative information from my credit report if it was placed incorrectly. \n* Requiring them to provide accurate validation information if the debt is legitimate. \n\nI have attached copies of any relevant documentation I possess, such as communications from the collection agency ( if any ). I am also willing to provide any additional information that may be helpful in your investigation. \n\nThank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. \n\nSincerely, XXXX XXXX XXXX XXXX **Enclosures ( List any documents you are attaching ) **","date_sent_to_company":"2024-03-30T23:02:48.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8661170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-03-30T22:20:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I am also willing to provide any additional <em>information</em> that may be helpful in <em>your</em> investigation. \n\nThank you for <em>your</em> time and attention to this matter. I look forward to <em>your</em> response and a resolution to this issue. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> **Enclosures ( List any documents you are attaching ) **"],"company":["National Credit Systems,<em>Inc</em>."]},"sort":[13.613148,"8661170"]},{"_index":"complaint-public-v1","_id":"13927466","_score":13.552653,"_source":{"product":"Debt collection","complaint_what_happened":"This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against TRANSWORLD SYSTEM INC for their continued failure to address this matter appropriately. Account in Question : Creditor : TRANSWORLD SYSTEM INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with TRANSWORLD SYSTEM INC, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.","date_sent_to_company":"2025-06-05T06:18:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"13927466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-06-05T06:00:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Account in Question : Creditor : TRANSWORLD SYSTEM <em>INC</em> Account Number : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Balance : {$1100.00} I have strong reason to believe that this account was opened fraudulently using my personal <em>information</em>. I did not open, authorize, or consent to the creation of this account, and its presence on my credit <em>report</em> is both erroneous and harmful."],"company":["TRANSWORLD SYSTEMS <em>INC</em>"]},"sort":[13.552653,"13927466"]},{"_index":"complaint-public-v1","_id":"13698939","_score":13.552653,"_source":{"product":"Debt collection","complaint_what_happened":"This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against TRANSWORLD SYSTEM INC for their continued failure to address this matter appropriately. \n\nAccount in Question : Creditor : TRANSWORLD SYSTEM INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. \n\nDespite several attempts to resolve this matter directly with TRANSWORLD SYSTEM INC, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.","date_sent_to_company":"2025-05-24T09:16:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77429","tags":null,"has_narrative":true,"complaint_id":"13698939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-05-24T09:06:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Account in Question : Creditor : TRANSWORLD SYSTEM <em>INC</em> Account Number : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Balance : {$570.00} I have strong reason to believe that this account was opened fraudulently using my personal <em>information</em>. I did not open, authorize, or consent to the creation of this account, and its presence on my credit <em>report</em> is both erroneous and harmful."],"company":["TRANSWORLD SYSTEMS <em>INC</em>"]},"sort":[13.552653,"13698939"]},{"_index":"complaint-public-v1","_id":"10677085","_score":13.539348,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Conn Appliances , Inc . \n\nI am writing to dispute inaccurate information associated with an account from Conn Appliances , Inc. listed on my credit report. The details of the account are as follows : Creditor Name : Conn Appliances , Inc . \nAccount Number : XXXX Account Type : Secured Loan Current Balance : {$2600.00} ( reported as past due ) This information is incorrect, as there are discrepancies in the reporting of the account status, balance, and payment details. Additionally, I understand that the associated Conn Appliances store has closed, and I am unable to reach them for clarification or resolution. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I am requesting : 1. Verification and Validation of Information : Please investigate and verify the accuracy of this account information. This includes providing any documentation or account records that confirm this balance and status as correct. \n2. Immediate Correction or Removal : If the account can not be verified accurately, I request that it be removed from my credit report to prevent further damage to my credit score. \n\nPlease notify me of the results of your investigation in writing within 30 days. If corrections are made, I also request an updated copy of my credit report reflecting these changes. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-11-05T08:19:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78040","tags":null,"has_narrative":true,"complaint_id":"10677085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Conn's, Inc.","date_received":"2024-11-05T08:14:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Conn Appliances , <em>Inc</em> . \n\nI am writing to dispute inaccurate <em>information</em> associated with an account from Conn Appliances , <em>Inc</em>. listed on my credit <em>report</em>. The details of the account are as follows : Creditor Name : Conn Appliances , <em>Inc</em> . \nAccount Number : <em>XXXX</em> Account Type : Secured Loan Current Balance : {$2600.00} ( <em>reported</em> as past due ) This <em>information</em> is <em>incorrect</em>, as there are discrepancies in the <em>reporting</em> of the account status, balance, and payment details."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Conn's, <em>Inc</em>."],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.539348,"10677085"]},{"_index":"complaint-public-v1","_id":"6966520","_score":13.519887,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["CFPB <em>REPORT</em> # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - Open Company response is in progress as of <em>XX/XX</em>/2023 CFPB <em>REPORT</em> # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit <em>reporting</em> <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> Experian <em>Information</em> Solutions <em>Inc</em> ."],"company":["Experian <em>Information</em> Solutions <em>Inc</em>."]},"sort":[13.519887,"6966520"]},{"_index":"complaint-public-v1","_id":"13952518","_score":13.513773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against Experian Information Solutions , Inc . Multiple Complaint IDs Listed Below To Whom It May Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. \n\nSince XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by Experian are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. \n\nSpecifically, I believe Experian Information Solutions XXXX XXXX has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to Experian through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit report that require immediate deletion or correction are : - XXXX XXXX last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$93.00} Despite these documented efforts and the legally mandated investigation periods , Experian Information Solutions, Inc. has failed to comply with federal law and has repeatedly provided inaccurate or unverifiable information on my credit reports. This failure not only harms my creditworthiness but also violates my rights as a consumer under the FCRA. \n\nI respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into Experian 's handling of my disputes, enforcement of FCRA provisions, and the accuracy of the information reported. Additionally, I request confirmation that the CFPB will hold Experian accountable for these violations and require corrective action to ensure full compliance with federal law. \n\nPlease do not hesitate to contact me if any additional information is needed. I appreciate your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-07T13:00:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"13952518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T12:56:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["'s investigation into an existing problem <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | Improper use of <em>your</em> <em>report</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions <em>Inc</em>."],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[13.513773,"13952518"]},{"_index":"complaint-public-v1","_id":"6673823","_score":13.498322,"_source":{"product":"Debt collection","complaint_what_happened":"You are in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) as well as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulatory protections to consumers, as you are collecting on a debt that is invalid/fraud, used abusive and harassing collection tactics during a phone interaction, and incorrectly reporting a collection account that I have no knowledge of due to it being invalid/fraud as well as never having permission to use my personal private nonpublic information to open said account. \nI noticed on my credit report that you are incorrectly reporting a delinquent account with the original creditor for XXXX XXXX. Concerned I contact you all via phone on XX/XX/2023, I was informed through abusive/harassment tactics by a representative that I was delinquent for a light bill in the amount of {$1400.00}. I requested for the service address and was given XXXX XXXX XXXX XXXX, TX XXXX. I advised this is fraud as I have lived at my current address since XX/XX/2023. I have never lived in or even visited XXXX Texas. The representative requested my current address so I could obtain a current bill and file a police report. Not feeling comfortable I advised I would not give this information. Through out this interaction he continued to intimate and coerce me into giving current information. \nI highly encourage you all to listen to the call interaction that I am most certain was recorded because the representative is your company and you all have attempted to collect a debt that is unfair, fraudulent, and false. Transworld System Inc has used abusive tactics to intimidate, coerce, and force me to give a current address to send a bill so I could file a police report for fraud. The representative made a comment of How will I file a police report if I didnt have a statement. This statement is a form of coercion, intimidation and constitutes abusive acts/practices. He wanted me to give current information and made this statement to mislead, tricked, coerced, and intimidated into giving my current address by continuously requesting current information. \nYou are also violating FCRA as Transworld System Inc is furnishing/reporting incorrect and false information to my consumer reporting agencies. I demand an investigation of this dispute regarding this information that is being furnished to my tradeline and notify me of your findings. Transworld System IncXXXX XXXX did not have my permission to open this account in my name with my personal private nonpublic information to include my date of birth and social security number. \nYou are also in violation of the XXXX regulatory protections as your incorrect/false/fraudulent reporting on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit reporting and credit approval with other creditors. This negative reporting has significantly dropped my credit report and I demand it be immediately removed.","date_sent_to_company":"2023-03-09T15:21:12.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"76052","tags":null,"has_narrative":true,"complaint_id":"6673823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2023-03-09T15:09:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Transworld System <em>Inc</em><em>XXXX</em> <em>XXXX</em> did not have my permission to open this account in my name with my personal private nonpublic <em>information</em> to include my date of birth and social security number. \nYou are also in violation of the <em>XXXX</em> regulatory protections as <em>your</em> <em>incorrect</em>/false/fraudulent <em>reporting</em> on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit <em>reporting</em> and credit approval with other creditors."],"company":["TRANSWORLD SYSTEMS <em>INC</em>"]},"sort":[13.498322,"6673823"]},{"_index":"complaint-public-v1","_id":"14950847","_score":13.438585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate reporting of my account with AQUA FINANCE INC ( Account Number : XXXX ) as reflected on my credit report. According to my recent credit file from XXXX this account, opened on XX/XX/XXXX, is being reported with a 30-day late payment for XX/XX/XXXX. This information is factually incorrect. I have consistently made timely payments on this account and have never received any notice of delinquency or billing statement indicating a missed payment for that period.\n\nAs a data furnisher under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ), AQUA FINANCE INC is required to conduct a reasonable investigation upon receiving a direct dispute from a consumer. I am requesting that you thoroughly review your internal records and provide documented evidence, including billing statements and payment history, that supports the late payment claim being reported. If no such documentation exists, you are obligated to instruct the credit reporting agencies to delete or correct the inaccurate information promptly, in compliance with your responsibilities under the FCRA.","date_sent_to_company":"2025-07-29T17:55:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"49534","tags":null,"has_narrative":true,"complaint_id":"14950847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aqua Finance, Inc.","date_received":"2025-07-29T17:35:22.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the inaccurate <em>reporting</em> of my account with AQUA FINANCE <em>INC</em> ( Account Number : <em>XXXX</em> ) as reflected on my credit <em>report</em>. According to my recent credit file from <em>XXXX</em> this account, opened on XX/XX/<em>XXXX</em>, is being <em>reported</em> with a 30-day late payment for XX/XX/<em>XXXX</em>. This <em>information</em> is factually <em>incorrect</em>."],"issue":["Improper use of <em>your</em> <em>report</em>"],"company":["Aqua Finance, <em>Inc</em>."],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[13.438585,"14950847"]},{"_index":"complaint-public-v1","_id":"12912866","_score":13.405988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax Inc. Failure to Investigate or Remove Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against Equifax Inc. for their failure to comply with the obligations imposed under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXX XXXX, and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). \nDespite multiple attempts to dispute inaccurate information appearing on my Equifax Inc credit report, the agency has either : Failed to provide documentation or proper validation of the disputed accounts, or Failed to remove or correct clearly inaccurate or unverifiable items within the required XXXX period. \nI would like to bring to your attention the specific accounts that are negatively impacting my credit score and require immediate removal. These accounts have been a source of concern for me, and their presence is affecting my financial standing. I kindly request your prompt action in addressing this matter. Thank you for your assistance. \nXXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) o This account is inaccurately reported as a charge-off with a balance of {$63000.00}. \no XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) of the FCRA, I have the right to dispute any inaccurate information, and the credit bureau must conduct a reasonable investigation. \nXXXX. XXXX XXXX XXXX Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. \no According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. \nXXXX. XXXX XXXX ( Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. \no According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. \nXXXX. XXXX XXXX ( Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. \no According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. \nXXXX. XXXX XXXX XXXX Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. \no According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. \nXXXX. XXXX XXXX XXXX ( Account ending in XXXX ) o This collection account is inaccurately reported. The balance, original creditor, or account status may be incorrect. \no XXXX XXXX XXXX. XXXX ( a ), only accurate, complete, and properly validated debts should appear on my report. \nXXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) o This collection account is inaccurately reported. The balance, original creditor, or account status may be incorrect. \no XXXX XXXX XXXX. XXXX ( a ), only accurate, complete, and properly validated debts should appear on my report. \nXXXX. XXXX XXXX XXXX ( Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. \no According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. \n\nUnder FCRA XXXX ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. If the information can not be verified, it must be removed Equifax Incs refusal to remove unverifiable information and failure to provide proof constitutes a direct violation of this requirement. \nAdditionally, their actions contradict the CFPBs own enforcement guidance that requires credit bureaus to ensure the accuracy and integrity of consumer credit data and to respond adequately to disputes in a timely and thorough manner. \nThese actionsor lack thereofhave caused undue harm to my financial standing, including denials of credit and increased interest rates, and have violated my rights as outlined by federal law. \nI request the CFPB investigate Equifax Inc for these violations and ensure that they are held accountable for their non-compliance. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected. \nThank you for your time and attention to this matter. I trust the CFPB will intervene appropriately to ensure Equifax upholds their legal obligations. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-10T15:19:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77578","tags":null,"has_narrative":true,"complaint_id":"12912866","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-10T15:11:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I kindly request <em>your</em> prompt action in addressing this matter. Thank you for <em>your</em> assistance. \n<em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( Account ending in <em>XXXX</em> ) o This account is inaccurately <em>reported</em> as a charge-off with a balance of {$63000.00}. \no <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> ( a ) ( <em>XXXX</em> ) of the FCRA, I have the right to dispute any inaccurate <em>information</em>, and the credit bureau must conduct a reasonable investigation. \n<em>XXXX</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["EQUIFAX, <em>INC</em>."],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.405988,"12912866"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1152,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1152}]}},"product":{"doc_count":1152,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":881,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":869},{"key":"Other personal consumer report","doc_count":12}]}},{"key":"Debt collection","doc_count":160,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":37},{"key":"Other debt","doc_count":37},{"key":"Credit card debt","doc_count":30},{"key":"Rental debt","doc_count":14},{"key":"Medical debt","doc_count":13},{"key":"Telecommunications 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