{"took":894,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":228,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3088692","_score":19.075535,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently filed a complaint with the XXXX on XX/XX/2018 in regards to XXXX XXXX reporting inaccurate information on my Experian credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. XXXX XXXX XXXX say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.","date_sent_to_company":"2018-12-01T05:37:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33409","tags":null,"has_narrative":true,"complaint_id":"3088692","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-12-01T05:37:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I recently filed a complaint with the <em>XXXX</em> on <em>XX/XX</em>/2018 in regards to <em>XXXX</em> <em>XXXX</em> reporting inaccurate information on my Experian credit report the following items are <em>missing</em> on the account. Balance is <em>showing</em> a line when it should show {$0.00} and Balance <em>Updated</em> is <em>showing</em> a line when it should show {$0.00}. And <em>Recent</em> Payment Amount is <em>showing</em> a line when it should show a pay off amount. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> say there reporting correct information but i beg to differ."]},"sort":[19.075535,"3088692"]},{"_index":"complaint-public-v1","_id":"3088589","_score":19.017141,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently filed a complaint with the XXXX on XX/XX/2018 in regards to Caliber homes reporting inaccurate information on my XXXX credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. Caliber home loans say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.","date_sent_to_company":"2018-12-02T19:05:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33409","tags":null,"has_narrative":true,"complaint_id":"3088589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2018-12-01T04:53:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I recently filed a complaint with the <em>XXXX</em> on <em>XX/XX</em>/2018 in regards to Caliber homes reporting inaccurate information on my <em>XXXX</em> credit report the following items are <em>missing</em> on the account. Balance is <em>showing</em> a line when it should show {$0.00} and Balance <em>Updated</em> is <em>showing</em> a line when it should show {$0.00}. And <em>Recent</em> Payment Amount is <em>showing</em> a line when it should show a pay off amount. Caliber home loans say there reporting correct information but i beg to differ."]},"sort":[19.017141,"3088589"]},{"_index":"complaint-public-v1","_id":"16528540","_score":17.194199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Several self-financial-related tradelines are being reported inconsistently and inaccurately on my Experian credit file compared to those on my XXXX  and XXXX files XXXX These errors involve outdated delinquency notations, missing balances, and incomplete payment updates that now interfere with my VA XXXX loan eligibility. \n\nBelow is a breakdown of each affected account and the corrections requested under FCRA 623 ( a ) ( 2 ) and 611 ( a ).\n\n1. Sunrise Banks/ Self Financial ( Credit Builder Loan ) Problem : Experian shows Paid account/was 30 days past due and 30 days delinquent, while Equifax and TransUnion both XXXX Paid as agreed {$0.00} balance. \n\nCorrection Requested : Update Experian to Paid as agreed closed account {$0.00} balance. \n\nRemove all 30 days past due and was 30 days delinquent remarks. \n\nRefresh the last updated date to match XXXX XX/XX/2025 record. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX  Revolving Credit Builder Line ) Problem : XXXX has no recent update, showing a missing balance, payment status, and last activity. TransUnion shows XXXX or paying as agreed {$0.00} balance. \n\nCorrection Requested : Update Experian to show XXXX as agreed closed account {$0.00} balance. \n\nInclude the last updated date as XX/XX/2025 and remove any outdated or blank data fields. \n\nXXXX. Self Credit Builder Account ( if a separate tradeline appears under Self Financial or Credit Builder Account ) Problem : Some reports list duplicate or stale Self Credit Builder accounts with inconsistent dates or missing {$0.00} balances. \n\nCorrection Requested : Delete any duplicate or inactive XXXX XXXX / XXXX XXXX accounts showing the same loan number. \n\nEnsure all active XXXX accounts reflect Paid as agreed {$0.00} balance closed. please delete all self reporting unless it has a positive mark","date_sent_to_company":"2025-10-13T00:59:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76179","tags":"Servicemember","has_narrative":true,"complaint_id":"16528540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-10-13T00:49:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Revolving Credit Builder Line ) Problem : <em>XXXX</em> has no <em>recent</em> <em>update</em>, <em>showing</em> a <em>missing</em> balance, payment status, and last activity. TransUnion shows <em>XXXX</em> or paying as agreed {$0.00} balance. \n\nCorrection Requested : <em>Update</em> Experian to show <em>XXXX</em> as agreed closed account {$0.00} balance. \n\nInclude the last <em>updated</em> date as <em>XX/XX</em>/2025 and remove any outdated or blank data fields. \n\n<em>XXXX</em>."]},"sort":[17.194199,"16528540"]},{"_index":"complaint-public-v1","_id":"7776777","_score":16.481045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX DATE : XX/XX/XXXX THIS IS MY SECOND DISPUTE SENT TO EXPERIAN WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE RECEIVED ON XX/XX/XXXX WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? \n\nYOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of significant concern regarding the accuracy of my EXPERIAN credit report as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am deeply disappointed with the results of my recent investigation request, which revealed multiple inaccuracies and incomplete information on various accounts on my credit report. \n\nUpon reviewing the information provided in my EXPERIAN report obtained through XXXX, I identified the following inaccuracies and incomplete data : XXXX. XXXX Account XXXX : XXXX - Inaccurate reporting of a {$96.00} balance on a charged-off account. \n- Missing payment history information from XXXX and XX/XX/XXXX. \n- Incorrect reporting of a 30-day late payment in XX/XX/XXXX, not corresponding with the payment history guide. \n\nXXXX. XXXX XXXX Account Number : XXXX - Reporting of a {$1200.00} balance on a charged-off account. \n- Incomplete information regarding the most recent payment. \n- Incomplete information in the monthly payment section. \n- Incomplete account number information. \n\nXXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reporting a balance of {$23000.00} on an account charged off by XXXX XXXX XXXX XXXX. \n- Incomplete information under the recent payment and monthly payment sections. \n- Reporting \" ND No Data '' for XX/XX/XXXX, indicating incomplete information. \n\nXXXX. XXXX XXXX XXXX Account Number XXXX - Missing Balance Histories. \n- Missing recent payment and monthly payment information. \n- Reporting 30 days past due for XXXX, XXXX, and XX/XX/XXXX while showing \" Paid, Closed. '' XXXX. XXXX Account XXXX : XXXX - Reporting a {$5800.00} balance on a charged-off account. \n- Incomplete information under the Recent Payment and Monthly Payment sections. \n- Discrepancy between the \" Reinvestigation Info '' and \" Status Updated '' sections. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX - Incomplete information under the Recent Payment and Monthly Payment sections. \n- Incomplete account number reporting. \n- Reporting {$0.00} payments from XX/XX/XXXX to XX/XX/XXXX, inconsistent with current/ terms met reporting from XX/XX/XXXX to XX/XX/XXXX. \n\nXXXX. XXXX Account XXXX : XXXX - Reporting a balance on a closed account. \n- Unclear account closure date. \n- Incomplete information regarding recent payment and account terms. \n- Discrepancies in the reporting of payment history.","date_sent_to_company":"2023-10-30T15:21:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90029","tags":null,"has_narrative":true,"complaint_id":"7776777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-30T15:10:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- Reporting 30 days past due for <em>XXXX</em>, <em>XXXX</em>, and XX/XX/<em>XXXX</em> while <em>showing</em> \" Paid, Closed. '' <em>XXXX</em>. <em>XXXX</em> Account <em>XXXX</em> : <em>XXXX</em> - Reporting a {$5800.00} balance on a charged-off account. \n- Incomplete information under the <em>Recent</em> Payment and Monthly Payment sections. \n- Discrepancy between the \" Reinvestigation Info '' and \" Status <em>Updated</em> '' sections. \n\n<em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account Number : <em>XXXX</em> - Incomplete information under the <em>Recent</em> Payment and Monthly Payment sections."]},"sort":[16.481045,"7776777"]},{"_index":"complaint-public-v1","_id":"2932912","_score":16.308998,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted ( 2 ) online disputes with Experian. The first time, they listed a US dept of Ed account as a loan with terms of 1 month and several missing and incomplete pieces of information or conflicting and unverifiable information. The balance history noted an ontime payment XX/XX/XXXX and a Collection in XX/XX/XXXX. Yet, the last payment noted as XXXX XXXX. After I requested a reinvestigation- they changed the terms to 120 months which is still inaccurate because I did not ever take out a loan from US dept of Ed.  Furthermore, Date opened is still listed as unknown, payment history is still showing the same, balance, balance updated, and recent payment amount are incomplete. \n\nExperian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian.","date_sent_to_company":"2018-06-12T06:20:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91711","tags":null,"has_narrative":true,"complaint_id":"2932912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-06-12T02:12:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, Date opened is still listed as unknown, payment history is still <em>showing</em> the same, balance, balance <em>updated</em>, and <em>recent</em> payment amount are incomplete. \n\nExperian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian."]},"sort":[16.308998,"2932912"]},{"_index":"complaint-public-v1","_id":"21668637","_score":16.307526,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Meta XXXX XXXX ( XXXX XXXX ) I am submitting this follow-up because my prior complaint was closed prematurely without a complete investigation or resolution. The issue remains unresolved, and funds owed to me have not been released. \n\nI am currently receiving new payouts, which confirms that my payout account is active and functioning properly. However, several earlier completed and delivered orders are still missing from my payouts. \n\nMissing Orders : * XX/XX/XXXX Order # XXXX {$26.00} * XX/XX/XXXX Order # XXXX {$100.00} * XX/XX/XXXX Order # XXXX {$86.00} * XX/XX/XXXX Order # XXXX {$100.00} Total Missing Payout : {$320.00} All of these orders were delivered well beyond the standard payout timeframe and have not been released. \n\nAdditional Issues : * Metas system is incorrectly labeling some shipped checkout orders as marked as sold, despite being processed through XXXX checkout * I am being prompted to mark as paid, which would falsely indicate I received funds that I have not received Payout System Error : The platform repeatedly displays update your payout account, however this information is incorrect. \n\nMy payout account is already verified and active, as I am currently receiving payouts for newer transactions. I am including screenshots showing both recent successful payouts and the update payout account message. \n\nWhen I attempt to follow the prompt to update my account, it redirects me to an unrelated landing page and does not provide any way to resolve the issue. There is no functional action available on my end. \n\nThis confirms the issue is not with my account, but with Metas payout system incorrectly flagging or blocking specific transactions. \n\nResolution Requested : At this point, the delay is unreasonable. \nI am currently receiving payouts for recent orders, including items shipped last week, while older orders from XXXX and early XXXX that were delivered much earlier remain unpaid. This confirms the issue is not with my payout account, but with Metas handli","date_sent_to_company":"2026-04-28T15:35:46.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"90660","tags":null,"has_narrative":true,"complaint_id":"21668637","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Meta Payments Inc.","date_received":"2026-04-28T15:23:07.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am including screenshots <em>showing</em> both <em>recent</em> successful payouts and the <em>update</em> payout account message. \n\nWhen I attempt to follow the prompt to <em>update</em> my account, it redirects me to an unrelated landing page and does not provide any way to resolve the issue. There is no functional action available on my end. \n\nThis confirms the issue is not with my account, but with Metas payout system incorrectly flagging or blocking specific transactions."]},"sort":[16.307526,"21668637"]},{"_index":"complaint-public-v1","_id":"13703778","_score":15.951758,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act, specifically FCRA 605 ( c ), involving re-aging of derogatory accounts. The following accounts are inaccurately updating or showing recent activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. \n\nXXXX XXXX ( XXXX XXXX ) : Charged off in XXXX but continues updating monthly through XXXX on all three bureaus as active charge-off. \n\nXXXX XXXX : Several closed accounts from XXXX are still showing new derogatory updates or re-investigation notations in XXXX on Experian. \n\nXXXX XXXX : Placed for collection in XXXX but shows continuous monthly activity updates and estimated fall-off date that doesnt match the 7-year rule. \n\nPossible Finance : Charged off in XXXX but reporting activity and balances in XXXX. \n\nXXXX / XXXX : Charged off in XXXX but is now re-reporting activity through XXXX on Equifax and TransUnion. \n\nThese accounts either : Do not reflect the correct Date of First Delinquency, or Are being illegally re-aged through new update cycles that mislead creditors and extend derogatory status beyond the legal 7-year limit.\n\nI request that the CFPB : Investigate these accounts and the furnishers reporting them.\n\nRequire correction or deletion of any account where the XXXX is missing or unverifiable. \n\nEnsure all furnishers and credit bureaus stop re-aging these accounts and accurately report the original charge-off or default dates.","date_sent_to_company":"2025-05-25T15:18:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"775XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13703778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-25T15:18:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following accounts are inaccurately <em>updating</em> or <em>showing</em> <em>recent</em> activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. \n\n<em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> ) : Charged off in <em>XXXX</em> but continues <em>updating</em> monthly through <em>XXXX</em> on all three bureaus as active charge-off."]},"sort":[15.951758,"13703778"]},{"_index":"complaint-public-v1","_id":"13705972","_score":15.94563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act, specifically FCRA 605 ( c ), involving re-aging of derogatory accounts. The following accounts are inaccurately updating or showing recent activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. \n\nXXXX XXXX ( XXXX XXXX ) : Charged off in XXXX but continues updating monthly through XXXX on all three bureaus as active charge-off. \n\nXXXX XXXX : Several closed accounts from XXXX are still showing new derogatory updates or re-investigation notations in XXXX on Experian. \n\nXXXX XXXX : Placed for collection in XXXX but shows continuous monthly activity updates and estimated fall-off date that doesnt match the 7-year rule. \n\nPossible Finance : Charged off in XXXX but reporting activity and balances in XXXX. \n\nXXXX / XXXX : Charged off in XXXX but is now re-reporting activity through XXXX on Equifax and TransUnion. \n\nThese accounts either : Do not reflect the correct Date of First Delinquency, or Are being illegally re-aged through new update cycles that mislead creditors and extend derogatory status beyond the legal 7-year limit.\n\nI request that the CFPB : Investigate these accounts and the furnishers reporting them.\n\nRequire correction or deletion of any account where the XXXX is missing or unverifiable. \n\nEnsure all furnishers and credit bureaus stop re-aging these accounts and accurately report the original charge-off or default dates.","date_sent_to_company":"2025-05-25T15:18:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"775XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13705972","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-25T14:47:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following accounts are inaccurately <em>updating</em> or <em>showing</em> <em>recent</em> activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. \n\n<em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> ) : Charged off in <em>XXXX</em> but continues <em>updating</em> monthly through <em>XXXX</em> on all three bureaus as active charge-off."]},"sort":[15.94563,"13705972"]},{"_index":"complaint-public-v1","_id":"13703777","_score":15.942475,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act, specifically FCRA 605 ( c ), involving re-aging of derogatory accounts. The following accounts are inaccurately updating or showing recent activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. \n\nXXXX XXXX ( XXXX XXXX ) : Charged off in XXXX but continues updating monthly through XXXX on all three bureaus as active charge-off. \n\nXXXX XXXX : Several closed accounts from XXXX are still showing new derogatory updates or re-investigation notations in XXXX on Experian. \n\nXXXX XXXX : Placed for collection in XXXX but shows continuous monthly activity updates and estimated fall-off date that doesnt match the 7-year rule. \n\nPossible Finance : Charged off in XXXX but reporting activity and balances in XXXX. \n\nXXXX / XXXX : Charged off in XXXX but is now re-reporting activity through XXXX on Equifax and TransUnion. \n\nThese accounts either : Do not reflect the correct Date of First Delinquency, or Are being illegally re-aged through new update cycles that mislead creditors and extend derogatory status beyond the legal 7-year limit.\n\nI request that the CFPB : Investigate these accounts and the furnishers reporting them.\n\nRequire correction or deletion of any account where the XXXX is missing or unverifiable. \n\nEnsure all furnishers and credit bureaus stop re-aging these accounts and accurately report the original charge-off or default dates.","date_sent_to_company":"2025-05-25T15:18:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"775XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13703777","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-25T15:18:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following accounts are inaccurately <em>updating</em> or <em>showing</em> <em>recent</em> activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. \n\n<em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> ) : Charged off in <em>XXXX</em> but continues <em>updating</em> monthly through <em>XXXX</em> on all three bureaus as active charge-off."]},"sort":[15.942475,"13703777"]},{"_index":"complaint-public-v1","_id":"3852806","_score":15.922485,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hi This is XXXX XXXX. I have to report against Transunion, I have no payment missed in last 6 years, still Transunion discriminating me and not updating my profile. I have whole credit report and did not show up any missing payments but recently I have applied it shows this Delinquent or derogatory status on accounts is too recent Too many bankcards with high balance compared to credit limit Not enough available credit on revolving accounts Lack of first mortgage account information It is also showing 31 % Credit usage, why delinquent account too recent, XXXX, XXXX does show other issues but never showed delinquent and Transunion keep dropping my score without any warning, I have never missed any payments as XXXX  and XXXX  in last 5 years, why Transunion reporting wrong information to creditors or lenders? in last 6 years never missed any payments, XXXX was in collection but has been removed, no medical bills I owed as I got annual credit reports. TU is keep lowering my score and they have big variations in their score calculations as compared to XXXX  and XXXX. TU is just  discriminating me and informing lenders \" DELINQUENT OR DREGATORY STATUS ON ACCOUNT IS TOO RECENT '' Can TU explain where is \" TOO RECENT ''? All three bureaus are discriminating people and not reporting correct information. Investigate this matter immediately.","date_sent_to_company":"2020-09-17T21:14:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76040","tags":null,"has_narrative":true,"complaint_id":"3852806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-17T20:33:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have whole credit report and did not show up any <em>missing</em> payments but recently I have applied it shows this Delinquent or derogatory status on accounts is too <em>recent</em> Too many bankcards with high balance compared to credit limit Not enough available credit on revolving accounts Lack of first mortgage account information It is also <em>showing</em> 31 % Credit usage, why delinquent account too <em>recent</em>, <em>XXXX</em>, <em>XXXX</em> does show other issues but never showed delinquent and Transunion keep dropping my score without"]},"sort":[15.922485,"3852806"]},{"_index":"complaint-public-v1","_id":"2928832","_score":15.217209,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted a dispute to Equifax regarding some accounts on my credit report showing the incorrect balances. I am trying to obtain a mortgage loan. After speaking with a loan broker I was adviced to cancel the disputes that the loan broker will make sure all the account balances update accordingly. I called Equifax XX/XX/XXXX in which they adviced me to fax them a letter canceling my disputes. I faxed the letter on XX/XX/XXXX. OnXX/XX/XXXX I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.\n\nI am missing : - XXXX XXXX  credit card -XXXX XXXX credit card -XXXX   credit card XXXX XXXX credit card -XXXX XXXX credit card -XXXX XXXX XXXX XXXX then the XXXX XXXX credit card is showing an old reporting age not the most recent one of last month.\n\nThese all were showing as of yesterday, they had been there since opened few years ago, all accounts are supposed to be open and in good standing.\n\nI called Equifax and they can not help me. They have no response as to how my file got 99 % deleted.\n\nI called all my creditors and they say they report to the bureaus monthly and can not explain how Equifax has done this. \n\nThis is hurting me more than ever. I need my credit report to show.","date_sent_to_company":"2018-06-06T23:23:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34771","tags":null,"has_narrative":true,"complaint_id":"2928832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-06-06T22:55:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["OnXX/XX/<em>XXXX</em> I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.\n\nI am <em>missing</em> : - <em>XXXX</em> <em>XXXX</em>  credit card -<em>XXXX</em> <em>XXXX</em> credit card -<em>XXXX</em>   credit card <em>XXXX</em> <em>XXXX</em> credit card -<em>XXXX</em> <em>XXXX</em> credit card -<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> then the <em>XXXX</em> <em>XXXX</em> credit card is <em>showing</em> an old reporting age not the most <em>recent</em> one of last month."],"sub_issue":["Information is <em>missing</em> that should be on the report"]},"sort":[15.217209,"2928832"]},{"_index":"complaint-public-v1","_id":"13537035","_score":15.157441,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information being reported on my credit file concerning the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$9000.00} Terms : 7 Months The payment history and other key data for this account are incomplete and/or inaccurate, including but not limited to : Incomplete Payment History : The payment history contains missing or unclear entries for multiple months in XXXX and XXXX, with unexplained dashes or blank fields. \n\nIncorrect Delinquency Reporting : The record shows a XXXX late payment for XX/XX/XXXX, but I have no record or confirmation of such delinquency and request verification of this claim. \n\nMissing Account Details : Critical information such as the recent balance, monthly payment, and highest balance is either blank or not reported. \n\nLack of Updates : The account status has not been clearly updated since XX/XX/XXXX, and key fields are marked as \" - '' instead of properly showing \" {$0.00} '' or \" N/A '' for a closed and paid account. \n\nGiven these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly. If the furnisher can not verify the accuracy, I ask that the account be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nPlease confirm receipt of this dispute and notify me once the investigation is completed.","date_sent_to_company":"2025-05-15T18:07:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33569","tags":null,"has_narrative":true,"complaint_id":"13537035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T17:58:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Lack of <em>Updates</em> : The account status has not been clearly <em>updated</em> since XX/XX/<em>XXXX</em>, and key fields are marked as \" - '' instead of properly <em>showing</em> \" {$0.00} '' or \" N/A '' for a closed and paid account. \n\nGiven these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly."]},"sort":[15.157441,"13537035"]},{"_index":"complaint-public-v1","_id":"13536404","_score":15.157441,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information being reported on my credit file concerning the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$9000.00} Terms : 7 Months The payment history and other key data for this account are incomplete and/or inaccurate, including but not limited to : Incomplete Payment History : The payment history contains missing or unclear entries for multiple months in XXXX and XXXX, with unexplained dashes or blank fields. \n\nIncorrect Delinquency Reporting : The record shows a XXXX late payment for XX/XX/XXXX, but I have no record or confirmation of such delinquency and request verification of this claim. \n\nMissing Account Details : Critical information such as the recent balance, monthly payment, and highest balance is either blank or not reported. \n\nLack of Updates : The account status has not been clearly updated since XX/XX/XXXX, and key fields are marked as \" - '' instead of properly showing \" {$0.00} '' or \" N/A '' for a closed and paid account. \n\nGiven these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly. If the furnisher can not verify the accuracy, I ask that the account be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nPlease confirm receipt of this dispute and notify me once the investigation is completed.","date_sent_to_company":"2025-05-15T18:07:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33569","tags":null,"has_narrative":true,"complaint_id":"13536404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-15T18:07:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Lack of <em>Updates</em> : The account status has not been clearly <em>updated</em> since XX/XX/<em>XXXX</em>, and key fields are marked as \" - '' instead of properly <em>showing</em> \" {$0.00} '' or \" N/A '' for a closed and paid account. \n\nGiven these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly."]},"sort":[15.157441,"13536404"]},{"_index":"complaint-public-v1","_id":"13525751","_score":15.142264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information being reported on my credit file concerning the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$9000.00} Terms : 7 Months The payment history and other key data for this account are incomplete and/or inaccurate, including but not limited to : Incomplete Payment History : The payment history contains missing or unclear entries for multiple months in XXXX and XXXX, with unexplained dashes or blank fields. \n\nIncorrect Delinquency Reporting : The record shows a XXXX late payment for XX/XX/XXXX, but I have no record or confirmation of such delinquency and request verification of this claim. \n\nMissing Account Details : Critical information such as the recent balance, monthly payment, and highest balance is either blank or not reported. \n\nLack of Updates : The account status has not been clearly updated since XX/XX/XXXX, and key fields are marked as \" - '' instead of properly showing \" {$0.00} '' or \" N/A '' for a closed and paid account. \n\nGiven these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly. If the furnisher can not verify the accuracy, I ask that the account be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nPlease confirm receipt of this dispute and notify me once the investigation is completed.","date_sent_to_company":"2025-05-15T18:07:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33569","tags":null,"has_narrative":true,"complaint_id":"13525751","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-15T18:07:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Lack of <em>Updates</em> : The account status has not been clearly <em>updated</em> since XX/XX/<em>XXXX</em>, and key fields are marked as \" - '' instead of properly <em>showing</em> \" {$0.00} '' or \" N/A '' for a closed and paid account. \n\nGiven these discrepancies, I respectfully request that the credit reporting agency conduct a thorough investigation and correct or complete the information accordingly."]},"sort":[15.142264,"13525751"]},{"_index":"complaint-public-v1","_id":"16824842","_score":14.967863,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The bureau responded verified without showing the data reviewed or how it was verified.\n\nFCRA violations : 1681i ( a ) Requires a reasonable reinvestigation. A generic XXXX  confirmation without documents is not reasonable.\n\n1681e ( b ) Requires maximum possible accuracy. Reporting shows inconsistencies ( e.g., [ pick one : lates during forbearance ; CO months continuing after charge-off ; wrong/missing DOFD ; sold/transfer but still past-due ] ).\n\n1681i ( a ) ( 6 ) ( B ) ( iii ) Im entitled to the Method of Verification ( furnisher contact and documents ).\n\nRequested relief : Compel [ Bureau ] to 1 ) perform a lawful reinvestigation with actual records, 2 ) provide MOV, and 3 ) delete/correct any field not fully substantiated. Send me an updated report and notices to recent report recipients.","date_sent_to_company":"2025-10-27T00:33:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"16824842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-27T00:30:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Send me an <em>updated</em> report and notices to <em>recent</em> report recipients."]},"sort":[14.967863,"16824842"]},{"_index":"complaint-public-v1","_id":"1684979","_score":14.947092,"_source":{"product":"Credit reporting","complaint_what_happened":"I contacted TRans Union and did an online dispute because they are reporting that I missed XXXX mortage payments. I have not missed payments, my mortgage payments are LATE. a big difference from missed payments. If I truly missed XXXX payments my house would be foreclosed upon. I contacted them twice and they told me both times they are reporting correctly and the information has been verified by my mortgage company, XXXX. I contacted XXXX and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to update or correct this. I have attached the email from Transuion showing the results of their investigation or the XXXX time and it still shows XXXX missed paymnts on the mortgage. I attached my most recent XXXX statement.As you can see payments have been made and I am missing on payment for XXXX 2015 which actually is sitting in unapplied funds. Nothing on this shows I am XXXX payments behind as trans union is reporting and wont ' fix.","date_sent_to_company":"2015-12-06T20:53:01.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1684979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-12-06T20:53:00.000Z","state":"CO","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I contacted <em>XXXX</em> and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to <em>update</em> or correct this. I have attached the email from Transuion <em>showing</em> the results of their investigation or the <em>XXXX</em> time and it still shows <em>XXXX</em> missed paymnts on the mortgage. I attached my most <em>recent</em> <em>XXXX</em> statement.As you can see payments have been made and I am <em>missing</em> on payment for <em>XXXX</em> 2015 which actually is sitting in unapplied funds."]},"sort":[14.947092,"1684979"]},{"_index":"complaint-public-v1","_id":"4528388","_score":14.4341,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After applying for credit I received a copy of my Equifax credit report, I noticed that there were several of my positive credit tradelines were missing from my file and not reporting through my credit monitoring services. I contacted Equifax via phone agent stated that the accounts were there and it was an issue with the credit monitoring service even though I explained the accounts were not appearing on the credit report from my lender either. I wrote Equifax with my disputes/updates and included a copy of my drivers license and a utility bill, I didn't receive a return correspondence. My Equifax credit score dropped more than 30 points per my credit monitoring service showing a few of my active, good standing accounts were closed. I tried to log into myequifax.com, my attempts were unsuccessful. I called Equifax on XXXX and tried to use the automated system, the system could not verify me. I spoke to an agent, she stated that I do not have a credit file with Equifax. Although, I updated my married name and address a yea ago, I still asked her to search my maiden name and previous address, she said she still could not find a credit profile in my name. I explained to here I am looking at my file on my credit monitoring service that updated as recent as today, she said apologized and failed to offer me any type of resolution.","date_sent_to_company":"2021-07-09T15:33:49.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"75078","tags":null,"has_narrative":true,"complaint_id":"4528388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-09T14:57:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I wrote Equifax with my disputes/<em>updates</em> and included a copy of my drivers license and a utility bill, I didn't receive a return correspondence. My Equifax credit score dropped more than 30 points per my credit monitoring service <em>showing</em> a few of my active, good standing accounts were closed. I tried to log into myequifax.com, my attempts were unsuccessful. I called Equifax on <em>XXXX</em> and tried to use the automated system, the system could not verify me."]},"sort":[14.4341,"4528388"]},{"_index":"complaint-public-v1","_id":"4075560","_score":14.296134,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian failed to obtain my XXXX  XXXX XXXX credit card information since XXXX or XX/XX/XXXX. The missing information includes : - Account Type - Status - Credit Limit - Terms - Balance Updated - Recent Payment Amount My FICO score has been lower than previous months since then. \n\nAction I took : ( 1 ) I contacted XXXX  XXXX XXXX by phone on XX/XX/XXXX and was told to file a dispute with Experian. Other credit bureaus were getting the information without any issues. \n( 2 ) I contacted Experian using the online dispute platform on XX/XX/XXXX about the situation, and submitted evidence for my active XXXX  XXXX XXXX credit card account. \n( 3 ) I got a response on XX/XX/XXXX saying the dispute was resolved. However, the information was still not showing in the credit report. I filed a follow-up dispute on the same day. \n( 4 ) I got another response on XX/XX/XXXX saying the dispute was resolved. The status on file did not change at all. Information is still missing on my credit report ( please see the attached file ). \n( 5 ) I contacted XXXX XXXX XXXX with the phone number provided on the Experian dispute report. The hotline does not transfer me to any associates to help me solve the problem. \n\nI am unsure that filing another follow-up dispute would help. I have few options than to file a complaint with the CFPB to follow up the dispute. Thank you.","date_sent_to_company":"2021-01-18T19:57:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94085","tags":null,"has_narrative":true,"complaint_id":"4075560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-01-18T19:33:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Experian failed to obtain my <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> credit card information since <em>XXXX</em> or XX/XX/<em>XXXX</em>. The <em>missing</em> information includes : - Account Type - Status - Credit Limit - Terms - Balance <em>Updated</em> - <em>Recent</em> Payment Amount My FICO score has been lower than previous months since then. \n\nAction I took : ( 1 ) I contacted <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> by phone on XX/XX/<em>XXXX</em> and was told to file a dispute with Experian. Other credit bureaus were getting the information without any issues."]},"sort":[14.296134,"4075560"]},{"_index":"complaint-public-v1","_id":"15120767","_score":14.090281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an old XXXX XXXX card with XXXX that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My XXXX credit information is not complete and correct on all XXXX credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with XXXX  they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a XXXX  designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed XXXX multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than XXXX  years requires a court order. This stops me from being able to submit evidence to the XXXX.","date_sent_to_company":"2025-08-06T17:48:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15120767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-08-06T17:06:41.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are all <em>missing</em> the Date of First Delinquency as well as not <em>showing</em> Accurate and complete historical monthly statuses. When placing my most <em>recent</em> dispute with <em>XXXX</em>  they <em>updated</em> the account information with further incorrect information and now list the account in collections from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> with a <em>XXXX</em>  designation for all of those months even though the account was paid in full XX/XX/<em>XXXX</em>."]},"sort":[14.090281,"15120767"]},{"_index":"complaint-public-v1","_id":"15151485","_score":14.070751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an old XXXX XXXX card with XXXX that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My XXXX credit information is not complete and correct on all XXXX credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with XXXX  and Equifax they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a C designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed XXXX multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than XXXX XXXX requires a court order. This stops me from being able to submit evidence to the CRAs.","date_sent_to_company":"2025-08-07T12:25:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15151485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-07T12:25:29.000Z","state":"NH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are all <em>missing</em> the Date of First Delinquency as well as not <em>showing</em> Accurate and complete historical monthly statuses. When placing my most <em>recent</em> dispute with <em>XXXX</em>  and Equifax they <em>updated</em> the account information with further incorrect information and now list the account in collections from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> with a C designation for all of those months even though the account was paid in full XX/XX/<em>XXXX</em>."]},"sort":[14.070751,"15151485"]},{"_index":"complaint-public-v1","_id":"15120762","_score":14.068758,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an old XXXX XXXX card with XXXX that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My XXXX credit information is not complete and correct on all 3 credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with XXXX  they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a C designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed XXXX multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than 2 years requires a court order. This stops me from being able to submit evidence to the CRAs.","date_sent_to_company":"2025-08-06T17:48:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15120762","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T17:47:39.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are all <em>missing</em> the Date of First Delinquency as well as not <em>showing</em> Accurate and complete historical monthly statuses. When placing my most <em>recent</em> dispute with <em>XXXX</em>  they <em>updated</em> the account information with further incorrect information and now list the account in collections from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> with a C designation for all of those months even though the account was paid in full XX/XX/<em>XXXX</em>."]},"sort":[14.068758,"15120762"]},{"_index":"complaint-public-v1","_id":"15151484","_score":14.051068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an old Military Star card with AAFES that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My AAFES credit information is not complete and correct on all XXXX credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with XXXX  and XXXX  they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a C designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed AAFES multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than XXXX XXXX requires a court order. This stops me from being able to submit evidence to the CRAs.","date_sent_to_company":"2025-08-07T12:26:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15151484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-08-07T12:25:29.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are all <em>missing</em> the Date of First Delinquency as well as not <em>showing</em> Accurate and complete historical monthly statuses. When placing my most <em>recent</em> dispute with <em>XXXX</em>  and <em>XXXX</em>  they <em>updated</em> the account information with further incorrect information and now list the account in collections from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> with a C designation for all of those months even though the account was paid in full XX/XX/<em>XXXX</em>."]},"sort":[14.051068,"15151484"]},{"_index":"complaint-public-v1","_id":"15120763","_score":14.051068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an old XXXX XXXX card with XXXX that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My XXXX credit information is not complete and correct on all 3 credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with Experian they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a C designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed XXXX multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than 2 years requires a court order. This stops me from being able to submit evidence to the CRAs.","date_sent_to_company":"2025-08-06T17:48:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15120763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-06T17:47:39.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are all <em>missing</em> the Date of First Delinquency as well as not <em>showing</em> Accurate and complete historical monthly statuses. When placing my most <em>recent</em> dispute with Experian they <em>updated</em> the account information with further incorrect information and now list the account in collections from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> with a C designation for all of those months even though the account was paid in full XX/XX/<em>XXXX</em>."]},"sort":[14.051068,"15120763"]},{"_index":"complaint-public-v1","_id":"15151521","_score":14.043326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an old Military Star card with AAFES that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My AAFES credit information is not complete and correct on all XXXX credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with Experian and Equifax they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a C designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed AAFES multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than XXXX XXXX requires a court order. This stops me from being able to submit evidence to the CRAs.","date_sent_to_company":"2025-08-07T12:26:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15151521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-08-07T12:19:32.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are all <em>missing</em> the Date of First Delinquency as well as not <em>showing</em> Accurate and complete historical monthly statuses. When placing my most <em>recent</em> dispute with Experian and Equifax they <em>updated</em> the account information with further incorrect information and now list the account in collections from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> with a C designation for all of those months even though the account was paid in full XX/XX/<em>XXXX</em>."]},"sort":[14.043326,"15151521"]},{"_index":"complaint-public-v1","_id":"8599243","_score":14.032924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is in regard to a reinvestigation done by EXPERIAN INFORMATION SOLUTIONS. According to the most recent reinvestigation that was commenced on XX/XX/2024, involving XXXX XXXX  loan accounts, upon review of my consumer disclosure report given by EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024, the reinvestigation was finished. I noticed that the updated the account s that were in dispute but did not correct the inaccurate information being reported from those accounts. The inaccuracies consisted of missing payments classified as 'No data ' and random late payments that reflect as one '90 day ' late payment. The accounts that I disputed still remain inaccurate with the same issues showing. These accounts remains both incomplete and inaccurate. XXXX XXXX XXXX ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.","date_sent_to_company":"2024-03-21T22:53:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"8599243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-21T22:24:40.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the most <em>recent</em> reinvestigation that was commenced on <em>XX/XX</em>/2024, involving <em>XXXX</em> <em>XXXX</em>  loan accounts, upon review of my consumer disclosure report given by EXPERIAN INFORMATION SOLUTIONS on <em>XX/XX</em>/2024, the reinvestigation was finished. I noticed that the <em>updated</em> the account s that were in dispute but did not correct the inaccurate information being reported from those accounts."]},"sort":[14.032924,"8599243"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":228,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":228}]}},"product":{"doc_count":228,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":120,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":119},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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