vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Inaccurate information on my credit file. This has cause XXXX XXXX issues..Reporting wrong information on credit history report is wrong. Seeking compensation for wrong information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX  Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I filed an original complaint against XXXX XXXX  and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by Mendelson Law Firm in XXXX Tennessee Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency MENDELSON LAW FIRM that I don't have a contract with and the " Law '' representative won't speak to me or contact me to discuss this illegal process. I have reached out to them and no response on several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The crook pretended to be the bank itself. I received an email or text message asking me to confirm a large, fake XXXX payment. When I replied that I didnt authorize the transfer, the scammer followed up with a phone call pretending to be the bank. The phone number must have been spoofed so it showed up on caller ID as BOA bank. I was walked through instructions on how to reverse the unauthorized claims. Then on XX/XX/23 a zelle transfer of {$1100.00} was sent directly to the criminals for a suppose sofa I purchased which I didnt make. I called BOA right away and reported it. They told me it would take up to 45 days for a response. My claim claim was denied. Please help 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX XXXX XXXX .... Balance : {$700.00} XXXX XXXXXXXX .... XXXX : {$530.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1500.00} XXXX  XXXX .... Balance : {$1600.00} TXXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX .... Balance : {$5500.00} XXXX  XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXX & XXXX XXXX XXXX .... Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX  XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX  XXXX XXXX .... Balance : {$700.00} XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1500.00} XXXX XXXXXXXX .... Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXX & XXXX XXXX XXXX .... Balance : {$650.00} XXXX  XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX Balance : {$2200.00}

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00}, XXXX XXXX  XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. 

XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

I told Experian, XXXX and XXXX to reinvestigate these accounts, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting ageny if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXXThis agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after aby 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. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( 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. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


EXPERIAN you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!!

( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, 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