vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to uphold its obligations under the Fair Credit Reporting Act ( FCRA ), including sections 602 ( a ), 607 ( b ), and 611 ( a ). I submitted a formal written dispute regarding multiple inaccurate, unverifiable, and misleading items on my credit report. Despite this, Equifax has failed to delete or properly reinvestigate the following items, which continue to harm my credit and financial reputation : XXXX Account XXXX XXXX XXXXXXXX Late payments reported with no evidence or documentation ; unverifiable and damaging XXXX Account XXXX XXXX XXXX Charged-off account reported without any default notice, billing statement, or contractual validation XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charged-off for {$88.00} without final billing, cure notice, or substantiated documentation XXXX Account XXXX XXXX XXXXXXXX Charge-off listed with a balance of {$1800.00} without final notice or validation of default XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX account reported without any debt validation as required under FDCPA 809 ; no prior notice was received XXXX  Account XXXX XXXX XXXXXXXX Duplicate charge-off listing for the same creditor, which is misleading and non-compliant with XXXX XXXX standards XXXX XXXX Account XXXX XXXX XXXXXXXX Late payment recorded without any payment history or documentary support XXXX  Inquiry Dated XX/XX/year> Unauthorized inquiry for which I did not grant permission or apply for credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate address that does not belong to me ; must be deleted under FCRA 607 ( b ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Also an inaccurate address unrelated to my identity I requested proper reinvestigation and deletion of all unverifiable and incorrect items. However, Equifax failed to meet its legal obligation to conduct a meaningful investigation or provide supporting documentation within the 30-day window as required under FCRA 611 ( a ). The continued reporting of these accounts and personal identifiers is misleading, harmful, and in violation of my consumer rights. 

Requested Resolution : I request that the CFPB initiate an investigation into Equifaxs non-compliance with federal consumer protection laws. I demand the immediate deletion of all the disputed entries listed above from my Equifax credit report. These items are either inaccurate, unverifiable, or duplicate in nature and have negatively impacted my credit standing. I also request enforcement action to ensure Equifax complies with the FCRA and fulfills its duties to protect consumers from harmful reporting practices. 

I am attaching a copy of my dispute letter and any supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I'm submitting this compliant to follow up my previous letter that I sent that I'm requesting for removal of the hard inquiries that reported to my credit report is currently in breach of federal regulations. So please conduct a investigation and remove these inquiries from my file 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XX/XX/year>XXXX  Dear CFPB, This letter is a formal dispute of incorrect student loan information reported by Nelnet Servicing , LLC on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and based on the recent class action lawsuit ( Stevens v. Nelnet ), Nelnet is under legal scrutiny for miscalculating repayment plans and reporting inaccurate data to credit bureaus. 

The specific issues I dispute include : - Incorrect payment amounts - False delinquency or default statuses - Inaccurate current balances - Continued reporting of outdated or unverifiable account information This has significantly and unfairly damaged my credit profile. Under FCRA 1681s-2 and 15 U.S. Code 1681i, you are required to investigate and remove any unverifiable, inaccurate, or incomplete information within 30 days.

I request that this account be : 1. Fully validated and corrected based on accurate repayment terms.

2. Removed immediately if unverifiable or found to be inaccurate.

3. Adjusted to remove any late or incorrect remarks caused by mismanagement. 

Enclosed you will find a highlighted copy of my credit report, my government-issued ID, and proof of address. 

This letter is to escalate the matter through the Consumer Financial Protection Bureau ( CFPB ). 

I expect confirmation of this dispute and its resolution in writing within 30 days as mandated by law. 

Thank you for your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: NC

Complaint narrative:
I applied for preapproval for the US Bank credit card. US Bank ran a full application on me instead of a preapproval. I did not give them permission to do so. I filled out the preapproval form only. I have a screen shot of the preapproval button I chose ( not the application button ) -Underwriting was rude and continued to say I signed for a full application to be done. That is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
My vehicle was repossessed and later sold at auction. The lender did not apply the proceeds correctly or provide a breakdown of the deficiency balance. There was no notice of auction or itemized accounting as required by UCC 9-614 and 9-615. The account is still reporting a balance that is inaccurate and potentially uncollectible. I disputed the account with the credit bureau and received no proper validation or documentation from the furnisher. This reporting violates the Fair Credit Reporting Act ( FCRA 611 and 623 ) and XXXX XXXX guidelines. I am requesting deletion of the tradeline or correction to reflect a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Good afternoon, My husband and I started the whole process with XXXX XXXX in XXXX Tx last year being XXXX. Everything was picture perfect we were told the process is not long and they had everything covered. We will only be expected to pay the permits. Moving forward to this year, our home was delivered in XXXX, mind you I understand the weather has not been on our side but they had plenty of days to get our home done. Today XX/XX/XXXX, our home is still not finished, we don't have a key and they refuse to give us a key due to the fact that the home is considered uninhabitable. I contacted Vandebilt Mortgage on plenty of occasions I have proof of the emails and call log. They refuse to help, instead I've been paying a mortgage for a home I'm not living in. I don't seem to understand how they believe that's fair my family and I had to accommodate our living situation because we did not expect this. 
Please guide me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 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 INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$840.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This letter serves as a FINAL WARNING and LEGAL DEMAND for the immediate removal and permanent blocking of fraudulent accounts and inquiries reported on my credit profile as a result of IDENTITY THEFT. This information does NOT belong to me and must be removed from my credit file IMMEDIATELY. 

Under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights under the following provisions : - 15 U.S. Code 1681c-2 Requires consumer reporting agencies to BLOCK all information resulting from identity theft within 4 business days of receiving appropriate proof.

- 15 U.S. Code 1681g Grants me the right to access the full details of my credit report and know what has been reported.

- 15 U.S. Code 1681s-2 Prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate or the result of identity theft.

- 15 U.S. Code 1681i Requires a full REINVESTIGATION and CORRECTION of disputed information.

You are hereby officially notified that the fraudulent information on my report must be DELETED within 4 business days of receipt of this letter and must be BLOCKED from reappearing within 15 calendar days from todays date.

If this demand is not met, I will immediately escalate the matter by filing formal complaints with the following : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Ohio Attorney Generals Office - Legal counsel to seek damages under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance This letter serves as your FINAL NOTICE. No further communication will be sent before legal action is being taken.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I checked my credit report I saw some inquiries that did not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to make it absolutely clear that this complaint is not submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to both my financial stability and personal well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
In XX/XX/year>, I paid a {$59.00} balance owed to XXXX XXXX XXXX in full. XXXX confirmed that the account was settled and stated they sent letters verifying this. 

However, ChexSystems continues to report the account as unpaid more than two years later. I submitted a dispute with ChexSystems and provided supporting documentation, but the inaccurate entry remains.

I also requested that ChexSystems suppress the item from my report during the dispute process due to immediate financial hardship and because the balance was already resolved. ChexSystems refused to do so. This inaccurate reporting is interfering with my ability to open a bank account and access essential financial services. 

Im requesting immediate correction or removal of this item and for ChexSystems to follow the requirements of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ASKED BUREAUS FOR DEBT VALIDATION AS I DONT RECOGNIZE THE ACCTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief