vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX **Re : Dispute of Hard Inquiries** Dear TransUnion, I am writing to dispute the following hard inquiries on my credit report : * XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX * XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize these inquiries, and I believe they are fraudulent. I have attached a copy of my credit report for your reference. 

Please remove these inquiries from my credit report as soon as possible. I look forward to hearing from you soon. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX **Attachment : Credit Report Screenshot, Photo ID, Social Security Card, Utility Bill **

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 2023-09-28 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: IN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize the above hard inquiries on my credit report

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 2023-09-28 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: AR

Complaint narrative:
In accordance with FCRA all the following accounts has violated my rights. XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX 
15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to address the violations.

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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
About XXXX months ago, I received a call from someone claiming to work at a law office. He left a threatening message saying he was about to take me to court and put a lien on my home due to back owed debt. He said he may also reach out to my employer to garnish wages. He said I owed money to a XXXX XXXX XXXX and there was an amount outstanding with interest. I had a credit card nearly XXXX  years ago with that name but as far as I remember it was paid off and the account was closed nearly XXXX  years ago. I checked my credit report and I have XXXX items in collections and no issues on my credit report. I told him to send me a statement with the information. It was never sent to me. 

Today my mother received a threatening message from someone named XXXX XXXX. Here 's the transcription " This is urgent message intended for ( MY NAME ) also known as ( MY Maiden NAME ) my name is XXXX XXXX XXXX XXXX XXXX our office has been retained regarding a pending summons and background investigation being ordered against ( MY NAME ) if no contact is establish with the issuing firm today our field agents will be dispatched to a property address and or any verified place of employment on record it is imperative that ( MY NAME ) _____________ firm today at XXXX and references for case number XXXX a failure to respond to result in an order of noncompliance and a failed ______ to ___________ phone number XXXX case number ( CASE NUMBER ) I called the phone number and it sounded exactly like the same people who were trying to contact me before. The name of the firm was called XXXX XXXX and XXXX ( this is an approximate spelling as it was said over the phone. ) I asked her for the full name of the firm and in which state the firm was practicing. The woman on the other end of the call was very irritated and said she practices in XXXX and stated the law firm 's name slowly and became aggressive. She asked me for my case number over and over again and I hung up. I believe these are the same people who did not send a statement of what was owed and because I have nothing in collections, I felt it was a scam and anything I said was going to be used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
I've a XXXX account with Trade Station, where I had XXXX XXXX stocks. I was never informed that the account has inactivity fee or there is an inactivity fee coming up or due on my account, even though they had my email address and phone number in my account. They charged the first inactivity fee on XX/XX/XXXX and as a result, my account balance went XXXX  Subsequently to recover the XXXX amount, they sold XXXX of my XXXXXXXX XXXX on XX/XX/XXXX and charged me XXXX commission for this! All of these had been done without notifying me, although as mentioned before, they had my email address and phone number. 

They charged the XXXX inactivity fee on XX/XX/XXXX and as a result, my account balance went XXXX  again. Subsequently, they sold another XXXX XXXX to recover the XXXX amount on XX/XX/XXXX and charged me another XXXX commission for this. Again, I was never notified via email or phone of this activity. 

Following are the complaints : 1. Inactivity fee were charged without notifying me and there was never an attempt made to inform me XXXX XXXX XXXX XXXX XXXX} ) 2. Forced sold my position with out my permission 3. Charged an enormous fee as commission ( XXXX $ XXXXXXXX XXXX XXXX On top of that I lost money as my stocks were sold during a time when the price was low. Estimated loss to be around XXXX 

I spoke to them on XX/XX/XXXX about this and requested them to reverse these fees XXXX XXXX XXXX XXXX XXXX. Then checked on the status on XX/XX/XXXX and I was told the request has been denied! 

XXXX XXXX is doing a disservice to their customers and doing unauthorized activities to steal customer money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX is not reporting a closed auto loan that was in good standing on my credit report. 

In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. 

Ford Motor Credit - Omaha Service CenteXXXX Account ending in XXXX Amount originally financed {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I got scammed last year, where in a person claiming to be from Concession Solutions XXXX XXXX XXXX paid XXXX towards my XXXX XXXX bill, and asked me to pay XXXX by Money Order to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America on XX/XX/2022. The XXXX bill payment was then reversed. I filed a complaint XXXX XXXX XXXX with the US Postal XXXX, XXXX with the XXXX XXXXXXXX Police Department and XXXX XXXX XXXX MO Attorney General at the advice of the Office XXXX XXXX ( XXXX XXXX XXXX Bank of America closed this saying they would work with law enforcement, but not the XXXX who they identified as a compliance/regulatory agency. Communication and screenshots are attached. 
I reached out to Office XXXX XXXX who filed my report multiple times by various means and updated on the response from Bank of America, but there hasn't been any update on this complaint progressing.

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 2023-09-28 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: AL

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.

has violated my rights. Or a list of inquiries : 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 2023-09-28 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: AL

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.

has violated my rights. Or a list of inquiries : 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 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 2023-09-28 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: 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.

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 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 2023-09-28 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: VA

Complaint narrative:
My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, XXXX and XXXX. Remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Stated forbearance on the loan during covid pandemic and applied for assistance with Ameris bank. I was approved for a partial claim and the security deed was filed with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage loan is now showing {$14000.00} past due. I have been current with payments and have not defaulted on the loan. I called on XX/XX/XXXX to determine why the loan is still showing past due and was told that the partial claim was not recorded on their side and that the documents were not returned to them. I have a copy of the security deed to show the process was recorded. They are now requesting that I complete a new loss mitigation packet because the home is active Foreclosure for XX/XX/XXXX. I am now being asked to e-mail a request for postponement of the foreclosure date. I have been working with a HUD certified housing counselor at XXXX of the XXXX XXXX XXXX HUD agency ID number XXXX. XXXX XXXX, HUD ID XXXX called Ameris on XX/XX/XXXX and was also told that the partial claim was not correctly recorded by the loss mitigation rep. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Loss mitigation is currently reviewing the issue, but I am currently still in active foreclosure. I need help resolving this issue with Ameris Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION 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 explanation