vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: NJ

Complaint narrative:
DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/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 non-monetary relief
Consumer complaint received 2024-07-13 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: NY

Complaint narrative:
XXXX XXXX Credit Card that is being reported on all 3 credit bureaus, XXXX XXXX AND TRANSUNION.

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 2024-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Credit Card that is being reported on all 3 credit bureaus, XXXX EQUIFAX AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Credit Card that is being reported on all 3 credit bureaus, EXPERIAN XXXX AND 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 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
HSBC had an account for XXXX. They are refusing to provide them. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/2024 I discovered that I was being sued ( warrants of debt ) by XXXX XXXX XXXX for debt owed to One Main Financial. I was able to obtain this information by searching on the XXXX XXXX XXXX Information Website. On XX/XX/2024, I contacted XXXX XXXX XXXX to verify the debt. I was told by representative that the information had already been sent out to my old address. I explained that I had moved and I would like to have verification of debt sent to me at my new address. The representative declined and began to push me to make a payment. I explained that I wouldn't make any payment arrangement until the debt was verifiable and asked what type of payment arrangements could be made to settle debt. The representative said that the court lawsuit would continue unless debt amount was paid in full before court date and payment arrangements wouldn't stop the court proceedings. I again asked to verify debt and the representative declined. I hung up the phone. 
XXXX XXXX XXXX has illegally tried to collect the debt by not properly notifying me of the debt and refusing to verify debt information. The company has also filed a lawsuit in secret regarding a unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NY

Complaint narrative:
HARD Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
HARD Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13 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: GA

Complaint narrative:
This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX XXXX  and advised them this is not an auto loan or a credit transaction, even filed complaint with XXXX and still no resolution. Let me clarify, this does not belong to me XXXX XXXX XXXX XXXX XXXXXXXX {$180.00}. I have even attempted to dispute with Equifax because this was never validated. I never received any information and this is still on my file. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. I will seek legal counsel against Equifax if this is not rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX did NOT have permission to pull any consumer report on XX/XX/year>. The permission was for XX/XX/year> And the consumer was approved. The consumer will research to see if any additional investment accounts were created and take the necessary steps for legal recourse. 

As of now there should only be one inquiry from this company. As the account is currently being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TN

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  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 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.

15 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
While in the process of gathering materials/information in preparation for a HELOC application in XXXX of XXXX, my advisor discovered a Charge Off for an XXXX XXXX XXXX XXXX The items is listed under VW Credit ( formerly held by XXXX for the duration of the lease from XX/XX/XXXX- XX/XX/XXXX ). 

This Charge Off and the outstanding balance of {$300.00} that is noted in the credit report was all news to me, as I was led to believe the lease was satisfied entirely when the vehicle was returned at the close of the lease. 

The sudden timing of a charge-off showing on XX/XX/XXXX makes little sense to me for something dating back to XXXX as well. In the event there were attempts to reach me I do not have any correspondence to account for anything outstanding and/or any attempts via phone were disregarded as spam/fraud/etc ( as has become far too common for me and others following data breaches/sensitive personal material readily available online ). 

A perfect example and one that is already haunting me - I did receive a piece of physical mail from a business claiming to be a collection group for XXXX days prior to the Charge Off posted to my report. While nothing about the business looked credible, I did call and prepared a payment to the group just to satisfy anything I have outstanding in my name. I am entirely unsure if this group is even properly associated with VW and I have yet to see this payment realized with VW Credit. My assumption is this group is not affiliated, which further confirms my reluctance to engage with what I suspect to be spam/fraud/etc who possess sensitive information ( social security/lease info/etc ). 

All this to say, had I known there was a nominal fee of any sort that was remaining/outstanding in my name, it would have been satisfied immediately rather than disregarded for 3 years. 

I have reached out to VW Credit twice in Late XXXX XXXX XX/XX/XXXX to request that this Charge Off be removed from my record and also offered to satisfy any remaining balance should they be able to remove this from my report. They've instructed me that this could not be done over the phone whatsoever and instead will be mailing a Dispute Form in 5-7 business days. Once returned, it will take another 30 business days for them to reply. 

Unfortunately, I am not able to have this substantial error continue to drag on my credit score more than it already has to-date. 

As I have mentioned, happy to satisfy anything I am ever responsible for, but the blindsided nature of this error years after the car was returned is causing considerable issues. 

Thank you much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: OK

Complaint narrative:
DEAR, TRANSUNION I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/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

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 2024-07-13 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: WI

Complaint narrative:
I have written several letters to Transunion to remove/delete the following inadequate items from my personal information : Name : XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX Accounts with Adverse Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also the accounts from XXXX They are in violation of Section 1681e ( b ) Accuracy of Report. These things are damaging my credit

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 2024-07-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
California XXXX announced it was stopping the relationship with XXXX XXXX XXXX and would begin using Money Network in XXXX of XXXX I have received a total of 3 loads into the account ; one was for {$450.00} and the second was for {$900.00} and the most recent one ( which funded AFTER MoneyNetwork closed my card ) was for {$450.00}. Of those amounts, only the fist one was I able to obtain through the ATM. 

On XX/XX/XXXX, XXXX loaded {$900.00} onto the card. I went to a local XXXX XXXX XXXX ATM to remove money. It noted there was only {$31.00} in the same account that had received the XXXX XXXX dollars a few days prior. I immediately called the number on the back of the card and inquired about the missing funds. The staff person took down very little information, said they hoped they could help me but figured it would be a long time before they could find the money! Then, the staff person cancelled the card and told me another one would arrive in 2-3 WEEKS. What? I need that money NOW. Then, on XXXX, XXXX loaded {$450.00} into my account, but of course, I can not use it because the staff person cancelled my card. I have no way to access even the {$450.00} that is supposedly now in that account. 

I don't mind telling you that the discussion online about XXXX and MoneyNetwork is echoing the same issues. Everything seemed to work just fine with XXXX XXXX XXXXXXXX. Now, I have no idea how to obtain my funds. This has been a train-wreck of stress for someone who is now XXXX and just trying to collect XXXX  as is my right here in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: AZ

Complaint narrative:
DEAR, EQUIFAXIWOKEUPTHURSDAY, AND PULL MYCREDIT REPORTJUST TOCHECK MY CREDIT.I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have recently come across information from the Federal Trade Commission website, more specifically The Gramm-Leach Bliley Act 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Notice and Requirements, except as otherwise provided in the sub-chapter, a financial institution may not directly or through any affiliate disclosed to a non-affiliated third party. In general, a financial institution may not disclose non-public personal information to a non-affiliated third party unless : A ) Such financial institution clearly and conspicuously disclosed to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

B ) The consumer is giving the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 

C ) The consumer is giving an explanation of how the consumer can exercise the non- disclosed option. 

Discover Bank did not disclose this information to me that is required by LAW. Discover Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to an affiliated and non-affiliated third party Discover Bank knowingly and willfully withheld information that explained how I, the consumer, can exercise that non-disclosure option. 

You are in direct violation of several federal laws. 

You have 10 calendar days from the receipt of this letter to DELETE this account from all credit reporting agencies that you have furnished this information to, along with all my consumer reports that this information is on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Identity Theft CAP ONE VIA DEALER Date of inquiry : XX/XX/year> I have not inquired about an Auto loan with Capital one, nor do i have a vehicle with Capital one. This account is a result of identity theft. I have Filed an FTC report followed by dispute letters which were mailed out to bureaus regarding this matter. Ive asked for a thorough investigation, and proof of ownership of this debt, and proof of allowing this company to sell my information to a company i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: OK

Complaint narrative:
DEAR, EQUIFAX I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 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.

15 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.

Company response to consumer: Closed with explanation