vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
Date Opened : XX/XX/XXXX Status Shown : Account charged off, balance {$1100.00}, last payment XX/XX/XXXX Complaint I am filing this complaint regarding inaccurate, misleading, and incomplete reporting of my XXXX XXXX account XXXX 

Inaccurate Reporting of Charge-Off & Balance The account is being reported as charged off with a balance of {$1100.00}.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. 

Once an account is charged off, continuing to update it with a past due status and balance is misleading because the debt has already been written off. It creates the appearance of ongoing delinquency and damages my credit standing unfairly. 

Re-aging of Delinquencies The payment history shows continuous CO ( charge-off ) notations for multiple months into XXXX. 

Under FCRA 605 ( c ) and CFPB guidance, negative accounts must be reported based on the date of first delinquency ( DOFD ), not extended forward. This appears to be a case of illegal re-aging, where the delinquency clock is being improperly reset. 

Failure to Update Accurate Status My last payment was XX/XX/XXXX, yet the account is still being reported as if delinquent each month afterward. This is misleading under FCRA 1681i ( a ) ( requirement to assure maximum possible accuracy ).

The CO notations beyond the charge-off date make it appear as if I am continuing to default monthly, which is not accurate.

Potential Double Reporting of Debt The account reflects both a charged-off status and an active balance due. According to the FDCPA ( Fair Debt Collection Practices Act ) and CFPB guidance, reporting must not be deceptive or misleading. If the creditor has written off the balance, continuing to report it as a current delinquency is misleading. 

I attempted to dispute this with all the credit bureaus but there were no changes made.

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 2025-09-19 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX - XXXX 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 2025-09-19 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-19 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-19 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: NC

Complaint narrative:
Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Without my written consent or authority my information was illegally made public 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  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2025-09-19 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: FL

Complaint narrative:
reporting dates ( XX/XX/year> ). 
Inquiries like XXXX XXXXXX/XX/year> appear questionable or without proper consumer authorization. 
The reporting of charged-off accounts lacks clarity and accuracy, causing harm to my creditworthiness. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Provides the right to dispute inaccurate or incomplete items, requiring reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate information.

FCRA 604, 15 U.S.C. 1681b : Restricts credit inquiries to those with a permissible purpose ; unauthorized inquiries are a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
reporting dates ( XX/XX/year> ). 
Inquiries like XXXX XXXXXX/XX/year> appear questionable or without proper consumer authorization. 
The reporting of charged-off accounts lacks clarity and accuracy, causing harm to my creditworthiness. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Provides the right to dispute inaccurate or incomplete items, requiring reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate information.

FCRA 604, 15 U.S.C. 1681b : Restricts credit inquiries to those with a permissible purpose ; unauthorized inquiries are a violation.

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 2025-09-19 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:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SLM CORPORATION
State: CA

Complaint narrative:
My Social Security number has been improperly commandeered and used without my consent to conduct hard credit inquiries. These inquiries appear on my credit report as if I personally authorized or initiated applications for credit, loans, or other financial products. However, I did not apply for these accounts, nor did I grant permission for my personal identifying information to be used in this way. The commandeering of my Social Security number for these hard inquiries represents a serious violation of my personal privacy and financial security. It is consistent with identity theft, wherein an unauthorized party uses someones personal identifying informationsuch as name, Social Security number, and date of birthto attempt to secure credit or other financial benefits fraudulently. These egregious acts were committed between the years of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: U.S. BANCORP
State: CA

Complaint narrative:
My Social Security number has been improperly commandeered and used without my consent to conduct hard credit inquiries. These inquiries appear on my credit report as if I personally authorized or initiated applications for credit, loans, or other financial products. However, I did not apply for these accounts, nor did I grant permission for my personal identifying information to be used in this way. The commandeering of my Social Security number for these hard inquiries represents a serious violation of my personal privacy and financial security. It is consistent with identity theft, wherein an unauthorized party uses someones personal identifying informationsuch as name, Social Security number, and date of birthto attempt to secure credit or other financial benefits fraudulently. These egregious acts were committed between the years of 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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I noticed you are attempting to collect the listed alleged debt. I hereby dispute the validity of the alleged debt listed below entirely. I also request verification of the alleged debt. Specifically, a copy of the original purchase agreement, agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX. XXXX. XXXX  and XXXX. You must cease collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-09-19 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: TX

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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:
I am submitting this follow-up complaint to the CFPB regarding multiple accounts, charge-offs, collections, and inquiries previously disputed. Despite my prior submission, these accounts continue to appear inaccurately on my credit reports, and no satisfactory resolution has been confirmed. These items are fraudulent or inaccurately reported and continue to negatively impact my creditworthiness.Fraudulent / Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were never opened or authorized by me and are the result of identity theft. They are reported with a zero balance but continue to harm my credit profile.Charge-Offs Without Proper Verification : XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} * * These charge-offs were reported without proper verification, including missing IRS Form 1099-C for debts over {$600.00}, making them unverified under FCRA 607 ( b ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$140.00} * * These collections are not mine and were falsely reported, violating FCRA 611 ( a ) and 605B ( 15 U.S.C. 1681i ( a ), 1681c-2 ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my consent and violate FCRA 604 ( a ) and 619 ( 15 U.S.C. 1681b ( a ), 1681q ).

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires maximum possible accuracy in credit reporting.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Grants the right to dispute inaccurate information and mandates reinvestigation within 30 days.

FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] & 619 [ 15 U.S.C. 1681q ] : Protect consumers from unauthorized credit inquiries.

FCRA 605 ( c ), 605B [ 15 U.S.C. 1681c-2 ] : Requires deletion of inaccurate or unverifiable charge-offs and collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I am submitting this follow-up complaint to the CFPB regarding multiple accounts, charge-offs, collections, and inquiries previously disputed. Despite my prior submission, these accounts continue to appear inaccurately on my credit reports, and no satisfactory resolution has been confirmed. These items are fraudulent or inaccurately reported and continue to negatively impact my creditworthiness.Fraudulent / Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were never opened or authorized by me and are the result of identity theft. They are reported with a zero balance but continue to harm my credit profile.Charge-Offs Without Proper Verification : XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} * * These charge-offs were reported without proper verification, including missing IRS Form 1099-C for debts over {$600.00}, making them unverified under FCRA 607 ( b ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$140.00} * * These collections are not mine and were falsely reported, violating FCRA 611 ( a ) and 605B ( 15 U.S.C. 1681i ( a ), 1681c-2 ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my consent and violate FCRA 604 ( a ) and 619 ( 15 U.S.C. 1681b ( a ), 1681q ).

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires maximum possible accuracy in credit reporting.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Grants the right to dispute inaccurate information and mandates reinvestigation within 30 days.

FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] & 619 [ 15 U.S.C. 1681q ] : Protect consumers from unauthorized credit inquiries.

FCRA 605 ( c ), 605B [ 15 U.S.C. 1681c-2 ] : Requires deletion of inaccurate or unverifiable charge-offs and collections.

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