| which requires credit bureaus to reinvestigate disputes and delete unverifiable information. The continued reporting of unverified data also breaches FDCPA 1692e | 1 | 0.0% | potentially constituting wire fraud under 18 U.S.C. 1343 if the information is knowingly false or misleading. Under 15 U.S.C. 1681s-2 ( b ) |
| which requires credit reporting agencies to conduct a reasonable investigation and provide consumers with clear results. | 1 | 0.0% | and I have disputed these items with TransUnion |
| which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes inaccurate information. | 1 | 0.0% | nor have I authorized any debt related to this collection. After noticing this issue on my credit report |
| which requires credit reporting agencies to conduct a reinvestigation and remove unverifiable or inaccurate information. | 1 | 0.0% | both XXXX XXXX XXXX promptly removed the account from my credit file. However |
| which requires credit reporting agencies to conduct reasonable investigations of disputed information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CF PB to take necessary enforcement action to hold TransUnion accountable for any violations uncovered during the investigation. While all disputed items need to be removed as soon as possible.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Transunion/ XXXX Dispute Department Reasoning Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To whom it may concern |
| which requires credit reporting agencies to ensure the maximum possible accuracy of the information in consumer reports. | 1 | 0.0% | XXXX continues to inaccurately report that the account is valid under XXXXXXXX XXXX |
| which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. | 1 | 0.0% | the amount of debt owed is {$2800.00} to XXXX |
| which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. | 1 | 0.0% | the credit bureaus are reporting incorrect employment information |
| which requires credit reporting agencies to maintain and report only information that is maximally accurate and verifiable. Allowing an unresolved collection account with no current documentation | 2 | 0.0% | this account has never been properly validated. I have never received a full accounting of this alleged debt |
| which requires credit reporting agencies to maintain maximum possible accuracy | 1 | 0.0% | with the same open date but significantly different balances |
| which requires credit reporting agencies to maintain maximum possible accuracy. I believe their presence is either due to a mixed file or erroneous matching | 1 | 0.0% | there are XXXX addresses being reported that are completely inaccurate and have never been associated with me at any point in time. The addresses XXXX XXXX |
| which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. | 3 | 0.0% | the account type for this account is listed as a revolving account |
| which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. | 3 | 0.0% | the dates last reported and last active are being reported differently by each credit reporting agency. XXXX reported the last reported date as XX/XX/XXXX |
| which requires credit reporting agencies to reinvestigate disputes from consumers within a reasonable period of time. | 1 | 0.0% | Experian is obligated to ensure that the information contained in my credit report is accurate |
| which requires credit reporting agencies to report accurate information. | 3 | 0.0% | XXXX |
| which requires creditors to correct billing errors within a specified time frame. | 3 | 0.0% | the Fair and Accurate Credit Transactions Act ( FACT ACT ) mandates that furnishers of information must notify credit reporting agencies of the consumer 's dispute |
| which requires creditors to provide clear and specific reasons for adverse actions. | 1 | 0.0% | Discover is effectively admitting that its own identity verification process which complies with obligations under the XXXX XXXX XXXX Customer Identification Program ( 31 C.F.R. 1020.220 ) and the Red Flags Rule ( 15 U.S.C. 1681m ( e ) ) is unreliable or insufficient. If that were true |
| which requires creditors to state in writing the precise reasons for credit denial | 1 | 0.0% | uniform |
| which requires data furnishers to investigate and correct inaccurate data | 1 | 0.0% | but it is inaccurate and unverifiable. A charge-off of this size is extremely damaging to my credit and reputation. I have requested documentation |
| which requires data furnishers to maintain maximum possible accuracy These differences materially affect my credit score and creditworthiness Violations Identified : FCRA 609 ( a ) ( 1 ) : Failure to provide access to all documentation relied upon to report account FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and duplicative tradelines FCRA 623 ( b ) : Failure to conduct a lawful reinvestigation upon dispute FCRA 623 ( a ) ( 5 ) : Re-aging debts by updating status months or failing to report correct DOFD FCRA 1681e ( b ) : Failure to ensure accuracy of data across credit bureaus FDCPA 809 ( b ) : Debt buyers and collectors have not provided proper validation upon request,,EQUIFAX | 1 | 0.0% | resulting in duplicative and misleading reporting Possible re-aging and failure to provide breakdown of original balance vs fees/interest XXXX. XXXX XXXX XXXX Three collection accounts with missing or conflicting details Two stem from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment history incomplete or missing No itemization of debt or proof of ownership XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX No documentation provided to prove debt ownership Data fields including Date of First Delinquency ( DOFD ) are missing Payment histories are inconsistent or unavailable No evidence of Metro 2 compliance 4. Charge-Offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off status continues to update with recent status dates |
| which requires data furnishers to maintain maximum possible accuracy These differences materially affect my credit score and creditworthiness Violations Identified : FCRA 609 ( a ) ( 1 ) : Failure to provide access to all documentation relied upon to report account FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and duplicative tradelines FCRA 623 ( b ) : Failure to conduct a lawful reinvestigation upon dispute FCRA 623 ( a ) ( 5 ) : Re-aging debts by updating status months or failing to report correct DOFD FCRA 1681e ( b ) : Failure to ensure accuracy of data across credit bureaus FDCPA 809 ( b ) : Debt buyers and collectors have not provided proper validation upon request,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NV,89002,,Consent provided,Web,2025-07-19,Closed with explanation,Yes,N/A,14754672 | 1 | 0.0% | resulting in duplicative and misleading reporting Possible re-aging and failure to provide breakdown of original balance vs fees/interest XXXX. XXXX XXXX XXXX Three collection accounts with missing or conflicting details Two stem from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment history incomplete or missing No itemization of debt or proof of ownership XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX No documentation provided to prove debt ownership Data fields including Date of First Delinquency ( DOFD ) are missing Payment histories are inconsistent or unavailable No evidence of Metro 2 compliance 4. Charge-Offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off status continues to update with recent status dates |
| which requires data furnishers to maintain maximum possible accuracy These differences materially affect my credit score and creditworthiness Violations Identified : FCRA 609 ( a ) ( 1 ) : Failure to provide access to all documentation relied upon to report account FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and duplicative tradelines FCRA 623 ( b ) : Failure to conduct a lawful reinvestigation upon dispute FCRA 623 ( a ) ( 5 ) : Re-aging debts by updating status months or failing to report correct DOFD FCRA 1681e ( b ) : Failure to ensure accuracy of data across credit bureaus FDCPA 809 ( b ) : Debt buyers and collectors have not provided proper validation upon request,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | resulting in duplicative and misleading reporting Possible re-aging and failure to provide breakdown of original balance vs fees/interest XXXX. XXXX XXXX XXXX Three collection accounts with missing or conflicting details Two stem from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment history incomplete or missing No itemization of debt or proof of ownership XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX No documentation provided to prove debt ownership Data fields including Date of First Delinquency ( DOFD ) are missing Payment histories are inconsistent or unavailable No evidence of Metro 2 compliance 4. Charge-Offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off status continues to update with recent status dates |
| which requires debt collectors to notify consumers and validate debts before reporting. Since this debt has not been validated | 1 | 0.0% | Equifax is reporting a collection account from XXXX XXXX XXXX |
| which requires debt collectors to provide consumers with written validation of the debt within five days of initial contact. | 3 | 0.0% | under the Fair Debt Collection Practices Act ( FDCPA ) |
| which requires deletion of unverifiable information. | 5 | 0.0% | all three bureaus report a 30-day late payment in XX/XX/XXXX |
| which requires deletion or correction of unverifiable information. | 1 | 0.0% | Equifax is reporting an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1700.00} and late payments attached. I have formally disputed this account because the reporting is not accurate and can not be verified with lawful documentation. To this day |
| which requires Equifax to conduct a thorough reinvestigation when a dispute is initiated. No such meaningful reinvestigation took place. | 1 | 0.0% | two collectionsboth from XXXX |
| which requires Experian to ensure only accurate information appears on my file. This tradeline is not accurate | 3 | 0.0% | the reporting itself is blatantly inaccurate : The account is reported differently on all three bureaus Date Reported is inconsistent across TU |
| which requires Experian to maintain accurate and verified information. Despite my previous dispute | 1 | 0.0% | XXXX |
| which requires Experian to reinvestigate any disputed information submitted by the consumer. | 1 | 0.0% | Experian is allowing PRA to report the account as opened in XX/XX/XXXX |
| which requires financial institutions to engage in fair and equitable practices | 2 | 0.0% | due to Attorney Malpractice |
| which requires financial institutions to investigate unauthorized or fraudulent transactions. The agent refused to escalate or re-investigate | 1 | 0.0% | providing screenshots of the conversations |
| which requires financial institutions to protect the confidentiality | 3 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| which requires fraudulent accounts to be blocked or deleted when sufficient proof of identity theft has been submitted,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Continental Finance Company | 1 | 0.0% | including my FTC Identity Theft Report |
| which requires furnishers and credit reporting agencies to notify consumers of the results of an investigation within XXXX business days of completion. | 1 | 0.0% | status |
| which requires furnishers to cease reporting information if it can not be verified. | 1 | 0.0% | XXXX XXXX XXXX |
| which requires furnishers to correct and update information that is incomplete or inaccurate. The account must be deleted to restore accuracy and fairness to my credit file. | 2 | 0.0% | violating FCRA 607 ( B ) which requires maximum accuracy. There has been no validation of debt |
| which requires furnishers to correct or delete inaccurate | 2 | 0.0% | I raised critical |
| which requires furnishers to correct or update information they know to be inaccurate. | 2 | 0.0% | my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| which requires furnishers to ensure accuracy and remove unverifiable information.,,ENCORE CAPITAL GROUP INC.,AZ,85282,,Consent provided,Web,2025-10-22,Closed with explanation,Yes,N/A,16761702 | 1 | 0.0% | 15 U.S.C. 1692e ( 2 ) ( A ) |
| which requires furnishers to ensure maximum possible accuracy in consumer reporting. | 2 | 0.0% | which was dismissed on XX/XX/XXXX |
| which requires furnishers to investigate and correct disputed information. I dispute the validity of this debt | 1 | 0.0% | but I was not made aware of the debt |
| which requires furnishers to promptly investigate and correct any information found to be inaccurate | 3 | 0.0% | XXXXXXXX XXXX XXXXXXXX |
| which requires furnishers to report accurate and complete information. The failure to provide a full and consistent payment history creates a misleading credit report | 1 | 0.0% | specifically XXXX |
| which requires furnishers to report accurate and complete information.,,Bread Financial Holdings | 1 | 0.0% | which violates XXXX reporting standards for revolving accounts Reporting dates do not match between bureaus ( XXXX XX/XX/XXXX |
| which requires furnishers to report accurate dates of first delinquency | 6 | 0.0% | as noted above |
| which requires furnishers to report accurate information and properly investigate disputes.,,SANTANDER HOLDINGS USA | 1 | 0.0% | In Collections |
| which requires furnishers to report accurate information. XXXX has demanded that TransUnion and Experian immediately remove both accounts from my credit report due to this inaccuracy | 2 | 0.0% | the issuer |
| which requires investigation and deletion of unverifiable information within 30 days. | 2 | 0.0% | providing evidence that I was incorrectly billed due to improper notice |
| which requires its complete removal. | 2 | 0.0% | but I never authorized or opened such an account. Its reporting is false and unverifiable. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) |