vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$270.00}

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 2024-12-06 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries outlined below. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be investigated and removed from my credit report promptly. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries outlined below. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be investigated and removed from my credit report promptly. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-06 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 writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), as I am a victim of a data breach. These accounts and inquiries are the result of unauthorized access to my personal information, and I request their immediate removal from my credit file. 
The following unauthorized accounts should be blocked and deleted : Accounts : XXXX. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$470.00} Inquiries : XXXX. AN XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These accounts and inquiries are the result of unauthorized access to my personal information, and I request their immediate removal from my credit file.

The following unauthorized accounts should be blocked and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I been complaining about these fraudulent accounts with these credit bureaus and sent in everything they requested of me and Im still not getting a response or seeing anything change. It has been months.

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 2024-12-06 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: SC

Complaint narrative:
I been complaining about these fraudulent accounts with these credit bureaus and sent in everything they requested of me and Im still not getting a response or seeing anything change. It has been months.

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 2024-12-06 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: AL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and deleted from my credit report as they were not opened or authorized by me.

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXXXXXX XXXX XXXX XXXXXX/XX/year> To : Transunion XXXX XXXX XXXX XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, BankruptcyXXXX XXXX, Bankruptcy-XXXX XXXXXXXX XXXX Bankruptcy-XXXX XXXX TX Child Support. I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency. We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification.

I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification.

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint. I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities. If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XXXX  To : XXXX XXXX Equifax XXXX XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, Bankruptcy-XXXX XXXX, Bankruptcy-XXXX XXXXXXXX XXXX Bankruptcy-XXXX XXXXXXXX, TX Child Support. I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency. We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification.

I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint. I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities. If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX SSN : XXXX XXXX : XX/XX/scrub>XXXX  To : XXXX XXXX XXXX XXXX Experian ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, BankruptcyXXXX XXXX, BankruptcyXXXX XXXXXXXX XXXX Bankruptcy-XXXX XXXX, TX Child Support. I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency. We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification. 

I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint. I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. 

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities. If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.

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 2024-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00}

Company response to consumer: Closed with explanation