vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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 inquires which were unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my follow-up complaint regarding the removal or blocking of these items : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The aforementioned items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
As of XX/XX/2023 I received an email from the online banking company Chime stating that my checking account and credit builder account were closed for no reason other than this Were sorry to share the news that we have decided to close your Chime Credit Builder Visa Credit Card Account and Chime Credit Builder Secured Account, effective immediately. Your account was closed for the following reason ( s ) : Account does not comply with internal policies and/or the member agreement. Once your secured account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days to the address we have on file for you. - sincerely, Chime. 

After receiving this response I immediately called the customer service line to figure out what happened exactly and the representative failed to provide the exact necessary details as to why my account was closed. However, after battling back and forth with the representative I asked for a supervisor who stated the the following quoted text above. Then I instructed to reach out to the Chime support via email. And once again no actual reason for the account closure. I have had my Chime account for about the length of 9 months total and Ive never had an issue with any of my activities. Other than dealing with unauthorized or returned transactions. Chime failed to provide me a notice so that I can arrange for my funds to be handled accordingly rather than having to wait for a check to be mailed out within 30 days to the address on file. 

This unaware closure has caused a HUGE inconvenience for me because my checking is set up to receive deposits from my upcoming benefit paychecks, income from my social media platforms that Ive earned, income from side gigs, etc. And so without having immediate access to my funds Im unable to make my bill payments on time, cover my financial obligations & other costs. And since bill payments will not be made on time, I am forced to have to endure unfair & uncredited late payment fees. This situation is complete unreasonable, its behind handled unfairly & lastly, it is being forcibly imposed on me without once again a simple heads up. This has effected most under class Americans like myself and I will not stand for it. I would like for this situation to be resolved and to know the exact details as to why it occurred in the first place if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX Please remove it from 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in Capital One Auto Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By COAF to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days already included in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.0XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days already included in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT is violating my rights to privacy 15 USC 1681 section 602. PROCOLLECT is also violating my rights 17 CFR 240.14c-6 by placing false and misleading statements without firsthand knowledge of all stated facts. under 15 USC 1681 section 604 ( a ) 2, a consumer reporting agency can not furnish an account without written consent from the consumer. PROCOLLECT 15 USC 1681a ( q ) ( 3 ) commits identity theft by using my personal information without written consent.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
n 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 U.S.C. 1681. 


Account Name : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation