{"took":2800,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3841422,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v2","_id":"9999983","_score":1.0,"_source":{"product":"Credit card","complaint_what_happened":"Chae bank called me about a fraudulent case application. They gave me a case number XXXX, tranferred me CFPB. During the call, long silent when agent said is looking at the report, then cut off. No call back was done.","date_sent_to_company":"2024-09-03T22:18:48.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"01923","tags":null,"has_narrative":true,"complaint_id":"9999983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-03T22:07:34.000Z","state":"MA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"sort":[1.0,"9999983"]},{"_index":"complaint-public-v2","_id":"9999982","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-03T22:41:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77064","tags":null,"has_narrative":true,"complaint_id":"9999982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T22:37:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"sort":[1.0,"9999982"]},{"_index":"complaint-public-v2","_id":"9999977","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.","date_sent_to_company":"2024-09-03T21:56:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19138","tags":null,"has_narrative":true,"complaint_id":"9999977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-03T21:56:12.000Z","state":"PA","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"},"sort":[1.0,"9999977"]},{"_index":"complaint-public-v2","_id":"9999975","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"Upon reviewing my credit report, I identified multiple accounts that appear to be fraudulent and were added without my consent.","date_sent_to_company":"2024-09-03T22:30:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29063","tags":null,"has_narrative":true,"complaint_id":"9999975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T22:28:25.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"sort":[1.0,"9999975"]},{"_index":"complaint-public-v2","_id":"9999970","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"sent letters to aargon agency asking for validation of debt after the 30 day mark I didn't know the account had been sent to them the original account was with XXXXXXXX XXXX neither company never notified me see previous complaint with cfpb XXXX aargon replied the debt is verified when I never received anything in the mail from them I want proof these things were sent to me I have the right by law 15 u.s.c. 1681i I have filed a complaint with the ftc and if this is not resolved I will be contacting an attorney aargon has no proof these documents were sent to me ... .also the dates in aargons cfpb response don't match up with what is on my credit report..","date_sent_to_company":"2024-09-09T17:58:34.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"480XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9999970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aargon Agency, Inc.","date_received":"2024-09-03T22:24:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"sort":[1.0,"9999970"]},{"_index":"complaint-public-v2","_id":"9999965","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. \nXXXX XXXX","date_sent_to_company":"2024-09-03T22:39:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"9999965","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-03T22:34:47.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"sort":[1.0,"9999965"]},{"_index":"complaint-public-v2","_id":"9999953","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The late payments showing don't match how I regularly make my payments, so Im asking you to fix these issues and adjust my accounts as soon as possible.","date_sent_to_company":"2024-09-03T22:21:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60649","tags":null,"has_narrative":true,"complaint_id":"9999953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-03T22:18:31.000Z","state":"IL","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"},"sort":[1.0,"9999953"]},{"_index":"complaint-public-v2","_id":"9999948","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. \nThis debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.","date_sent_to_company":"2024-09-01T03:26:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11385","tags":null,"has_narrative":true,"complaint_id":"9999948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-01T03:12:40.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"sort":[1.0,"9999948"]},{"_index":"complaint-public-v2","_id":"9999943","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number XXXX","date_sent_to_company":"2024-09-03T21:57:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60426","tags":null,"has_narrative":true,"complaint_id":"9999943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-03T21:45:09.000Z","state":"IL","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"},"sort":[1.0,"9999943"]},{"_index":"complaint-public-v2","_id":"9999917","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.","date_sent_to_company":"2024-09-01T04:51:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46226","tags":null,"has_narrative":true,"complaint_id":"9999917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-01T04:45:12.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"sort":[1.0,"9999917"]},{"_index":"complaint-public-v2","_id":"9999915","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.","date_sent_to_company":"2024-09-01T04:45:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"9999915","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-01T04:45:40.000Z","state":"MI","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"},"sort":[1.0,"9999915"]},{"_index":"complaint-public-v2","_id":"9999911","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX : XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. \n\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.\n\n15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-09-01T04:54:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08060","tags":null,"has_narrative":true,"complaint_id":"9999911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-01T04:54:00.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9999911"]},{"_index":"complaint-public-v2","_id":"9999907","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. \n\nIn violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt c\n\nollectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. \n\nThe Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.","date_sent_to_company":"2024-09-02T13:35:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07644","tags":null,"has_narrative":true,"complaint_id":"9999907","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-02T13:29:24.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9999907"]},{"_index":"complaint-public-v2","_id":"9999906","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These inquiries are a result of identity theft I have filed police report and ftc report when I noticed.i provided documentation to credit bureau and they still have not removed. I was a bit Im of identity theft","date_sent_to_company":"2024-09-02T13:30:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"9999906","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-02T13:30:53.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"sort":[1.0,"9999906"]},{"_index":"complaint-public-v2","_id":"9999892","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive call Equifax serval times about my credit report and score when I login to Equifax it tells me to call and give the Agent the code blnk number have done this and was told it would be fix but was never fix this been going on for over a month and its hurt me from obtaining my correct information and score","date_sent_to_company":"2024-09-03T17:57:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"9999892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:21:50.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"sort":[1.0,"9999892"]},{"_index":"complaint-public-v2","_id":"9999888","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.","date_sent_to_company":"2024-09-03T17:13:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28304","tags":null,"has_narrative":true,"complaint_id":"9999888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:09:30.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"sort":[1.0,"9999888"]},{"_index":"complaint-public-v2","_id":"9999885","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.","date_sent_to_company":"2024-09-03T17:16:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63130","tags":null,"has_narrative":true,"complaint_id":"9999885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:12:45.000Z","state":"MO","company_public_response":null,"sub_issue":"Account status incorrect"},"sort":[1.0,"9999885"]},{"_index":"complaint-public-v2","_id":"9999881","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :","date_sent_to_company":"2024-09-03T17:19:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77581","tags":null,"has_narrative":true,"complaint_id":"9999881","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:05:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"sort":[1.0,"9999881"]},{"_index":"complaint-public-v2","_id":"9999879","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nAccount name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. \nPlease remove these Inquiries from my credit report. \nThese inquiriesarelisted :","date_sent_to_company":"2024-09-03T17:19:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"9999879","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:14:30.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"9999879"]},{"_index":"complaint-public-v2","_id":"9999874","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute for incorrect information on my credit report and received an email from the credit bureau claiming the disputes were filed by a third party. However, these disputes were submitted by me directly. I even called to verify my identity, but they still refused to process my disputes. I wasted money on mailing the disputes and sent personal information through the mail to confirm my identity, only for them to fail to conduct a thorough investigation.","date_sent_to_company":"2024-09-03T17:56:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10468","tags":null,"has_narrative":true,"complaint_id":"9999874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:56:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"sort":[1.0,"9999874"]},{"_index":"complaint-public-v2","_id":"9999870","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).","date_sent_to_company":"2024-09-03T18:07:15.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"9999870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:47:14.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"sort":[1.0,"9999870"]},{"_index":"complaint-public-v2","_id":"9999868","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.","date_sent_to_company":"2024-09-02T13:39:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10453","tags":null,"has_narrative":true,"complaint_id":"9999868","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-02T13:31:59.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"sort":[1.0,"9999868"]},{"_index":"complaint-public-v2","_id":"9999865","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. \n\n\nThis was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! \n\n\nI demand the late payment reported to be removed.\n\nThey are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! \n\n\n15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. \nEquifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). \n\n\nI have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. \n\n\nThis is unfair, illegal, fraudulent, and not equitable to me as a consumer! \n\n\nDelete the late payments from my consumer reports","date_sent_to_company":"2024-09-03T17:40:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33073","tags":null,"has_narrative":true,"complaint_id":"9999865","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:12:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"sort":[1.0,"9999865"]},{"_index":"complaint-public-v2","_id":"9999864","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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