{"took":180,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":62,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10937961","_score":22.997509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my third dispute attempt to remove, delete, block this Bankruptcy from my credit report. XXXX has already complied and removed the Bankruptcy date filed XX/XX/year>. XXXX and Experian has refused to remove the Bankruptcy after I have provided the laws protecting me as a consumer by the FCRA stating why the Bankruptcy should be removed. XXXX and XXXX are in violation of the law and also violating my rights according to the guidelines provided by the FCRA, I also contacted the Court which filed the Bankruptcy asking If any information or documents were submitted or released to any Creditor, Credit Bureau, Third party, and their response was NO..!! I have attached a copy of this letter with a copy of my third Dispute Letter, Copy of my Drivers license, and current utility bill.. XXXX and XXXX do not have my authorization, my signature, consent or any proof the court has provided this Bankruptcy to them. I have also informed XXXX and Experian that if the Bankruptcy is not removed, blocked, deleted from my credit report, I will find legal counsel from a attorney.","date_sent_to_company":"2024-11-26T15:13:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"10937961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-26T14:21:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX and XXXX do not have my authorization, my signature, consent or any proof the <em>court</em> has provided this <em>Bankruptcy</em> to <em>them</em>. I have also informed XXXX and Experian that if the <em>Bankruptcy</em> is not removed, <em>blocked</em>, deleted from my <em>credit</em> <em>report</em>, I will find legal counsel from a attorney."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[22.997509,"10937961"]},{"_index":"complaint-public-v1","_id":"3199649","_score":22.372803,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"HI THERE, I FOUND FRADULENT BANKRUPTCY ON MY CREDIT REPORT. \nNEXT THING I DID WAS ... I CONTACTED TO COURT AND RESPOND WAS THAT THEY DONT HAVE ANY FILE UNDER MY NAME, WHICH MEANS THAT THE BANKRUPTCY IS FRADULENT. \nI TRIED SO HARD TO SOLVE THIS ISSUE WITH CREDIT REPORTING AGENCIES, XXXX  AND XXXX  BLOCKED IT, HOWEVER THE EQUIFAX IS REFUSING TO INVESTIGAE MY CLAIM EVEN AFTER I SENT THEM FULL POLICE AS WELL AS FTC REPORT. \nAS A LAW ABAIDING CITIZEN I AM ASKING FOR YOUR HELP TO MAKE THE EQUIFAX TO OBEY THE FCRA LAW.","date_sent_to_company":"2019-04-02T23:12:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91325","tags":null,"has_narrative":true,"complaint_id":"3199649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-02T23:02:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["HI THERE, I FOUND FRADULENT <em>BANKRUPTCY</em> ON MY <em>CREDIT</em> <em>REPORT</em>. \nNEXT THING I DID WAS ... I <em>CONTACTED</em> TO <em>COURT</em> AND RESPOND WAS THAT THEY DONT HAVE ANY FILE UNDER MY NAME, WHICH MEANS THAT THE <em>BANKRUPTCY</em> IS FRADULENT. \nI TRIED SO HARD TO SOLVE THIS ISSUE WITH <em>CREDIT</em> <em>REPORTING</em> AGENCIES, XXXX  AND XXXX  <em>BLOCKED</em> IT, HOWEVER THE EQUIFAX IS REFUSING TO INVESTIGAE MY CLAIM EVEN <em>AFTER</em> I SENT <em>THEM</em> FULL POLICE AS WELL AS FTC <em>REPORT</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.372803,"3199649"]},{"_index":"complaint-public-v1","_id":"7919006","_score":21.826847,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"westlake financial s transfered my information over to XXXX XXXX  and they have called me and sent me collection statements for payment i contacted them by phone and asked why they are violating federal law by contacting me when there is anautomatic stay in place in bankruptcy and i was told that they were wanting me to reaffrim with them i stated that i never had any contracts with them ( XXXX XXXX ) and if they have my information how did they get it they the agent XXXX would not provide her name only the agent number and i asked for any agreement that they have that states that i gave them promission to contact me and violate the FDCPA laws and right to privacy Act, and also mail fraud. I was told to contact wet lake which i did XX/XX/XXXX @ XXXX and was told that yes they did send my information over and yes they do know that i have bankruptcy. and they also too a {$750.00} payment on XX/XX/XXXXXXXX  ; which was after the filling. also it has been place on my credit profile which bankruptcy court do not report to credit agency ; after i contacted them i was block from online account Bankruptcy Code Section 524 ( a ) ( 2 ) : This provision prohibits creditors from harassing debtors. Sending a payment statement to a debtor who is in bankruptcy could be considered harassment. \nBankruptcy Code Section 526 ( a ) : This provision prohibits creditors from discharging debts that are not dischargeable in bankruptcy. Sending a payment statement to a debtor who is in bankruptcy could be considered an attempt to collect a non-dischargeable debt.","date_sent_to_company":"2023-11-29T18:36:36.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"7919006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-11-29T17:32:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I was told to <em>contact</em> wet lake which i did XX/XX/XXXX @ XXXX and was told that yes they did send my information over and yes they do know that i have <em>bankruptcy</em>. and they also too a {$750.00} payment on XX/XX/XXXXXXXX  ; which was <em>after</em> the filling. also it has been place on my <em>credit</em> profile which <em>bankruptcy</em> <em>court</em> do not <em>report</em> to <em>credit</em> agency ; <em>after</em> i <em>contacted</em> <em>them</em> i was <em>block</em> from online account <em>Bankruptcy</em> Code Section 524 ( a ) ( 2 ) : This provision prohibits creditors from harassing debtors"]},"sort":[21.826847,"7919006"]},{"_index":"complaint-public-v1","_id":"1907649","_score":20.337347,"_source":{"product":"Credit reporting","complaint_what_happened":"I have received no assistance from Experian or XXXX as far as removing the bankruptcy that is on my credit file resulting from identity theft. I submitted my police report, affidavit, proof that I was out of the country when this bankruptcy was filed ( I was out of the country from XX/XX/XXXX-XX/XX/XXXX and this bankruptcy was filed in 2011 ) as well as handwriting/signature comparisons to prove that the signatures on the bankruptcy papers does not belong to me and was told by XXXX that they have denied my request to block the information. I also sent the original petition for the bk that I pulled on pacer.gov to show that it was not my signature. In addition, the accounts that were included in this bankruptcy ( listed on the last page ) were never even on my credit file. I will take these XXXX bureaus to court if I have to, and i have already filed multiple complaints against them with the XXXX, FTC and CFPB as well as your organization and they still continue to report this information even after I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge. Please contact this company to get them to remove this, as they are in clear violation of my rights","date_sent_to_company":"2016-05-03T22:58:01.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"95129","tags":null,"has_narrative":true,"complaint_id":"1907649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-05-03T22:58:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["In addition, the accounts that were included in this <em>bankruptcy</em> ( listed on the last page ) were never even on my <em>credit</em> file. I will take these XXXX bureaus to <em>court</em> if I have to, and i have already filed multiple complaints against <em>them</em> with the XXXX, FTC and CFPB as well as your organization and they still continue to <em>report</em> this information even <em>after</em> I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge."],"product":["<em>Credit</em> reporting"],"issue":["Incorrect information on <em>credit</em> <em>report</em>"]},"sort":[20.337347,"1907649"]},{"_index":"complaint-public-v1","_id":"3377872","_score":19.234673,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion continues to report information that resulted from ID theft on my credit report. They violated FCRA 605B several times, Never give me a reason for their decisions, and hide behind \" its our policy ''. If something does not meet their requirements, they are required by law to tell me that and tell me exactly what was missing or incorrect. I just got off the phone with XXXX XXXX, a representative from the specialized fraud department. She admitted the court does not report bankruptcy information to them, they use a third party vendor to obtain the information, which for information obtained before XX/XX/XXXX, would be XXXX. XXXX does not have a bankruptcy on file. So the court does not and did not report this to them, the vendor does not have a record of the bankruptcy in their records, PACER.GOV does not verify or report information to credit bureaus. My last dispute was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX claimed the court verified that dispute. Putting aside the fact that the court does not verify any information for credit bureaus, logistically, that is not possible. The court does not used Metro2 software and has no method of electronically receiving a dispute, investigating it and electronically sending it back. The dispute would have to be mailed out and it is not possible to mail something out and receive it back the next day, Even if they miraculously got metro2 / XXXX XXXX just to verify that 1 dispute, it still would not be possible because they are required to conduct a reasonable investigation and they would not be able to do that over night, while they are closed. The result reads '' we verified the information is accurate '', if the dispute was sent out to be investigated by the court or any other company, the result would specify that and would read \" the company that reported the information certified to us that it is accurate. '' I asked XXXX XXXX if it was marked as frivolous or duplicate dispute, she responded with \" it was closed on XX/XX/XXXX sir '' completely dodging the question, I asked her again and she said \" I dont see that '' which is another dodge. Her ability to see it wasnt in question. They refuse to help, and only offer to dispute the information. If I knew for fact they were going to do a proper dispute and investigation, I would have no issues having it disputed, even though by law they are required the block the information, since simply verify ID information does not solve ID theft. ID theft by nature has matching ID information, thats what makes it ID theft. XXXX XXXX said that FCRA requires them to only dispute and FCRA does not allow them to remove items. I was blown away by the amount of false/ inaccurate information a representative from the SPECIALIZED FRAUD department was giving me. Its disgusting that TransUnion is allowed to operate like this, with little to no repercussions. \n\n. This bankruptcy resulted from identity theft, I did not file it nor hire an attorney to file it for me. It is fraudulent so checking the information on PACER.GOV does not verify that it belongs to me. It provides no new information. It was already known that there was a bankruptcy filed with my information, that is why it is on my credit report. I've contacted PACER and they confirmed that they do not verify the accuracy of information to credit bureaus and although PACER is associated with the court, PACER itself is not a court. The court clerk also confirmed that the court does not verify information to credit bureaus and credit bureaus. \n\nThe accuracy of information on the public record was not what was being disputed, the entire public record is being disputed. The spelling of my name and/or social security number is not the issue, I did not claim this bankruptcy was misrouted to my credit report or it belongs to someone else with a similar name. The bankruptcy was filed using my information without my authorization or knowledge. The identity thief spelling my name correctly is not relevant. If someone steals a car and crashes it, the insurance company is not going to tell the owner who reported the car as stolen \" We verified you were the driver during the accident because the spelling of your name in our records, matches the spelling of your name on the car registration '' That is what you are doing. You are using the fact that the information exists, to verify it belongs to me, after I notified you the information resulted from identity theft and supplied you as the information required by federal law. As stated in Federal statute, 605B of the Fair Credit Reporting Act, the existence of the information is not evidence the consumer knew or should have known that the consumer received any goods, services or money as a result of the information. That is exactly what you did. The court did not conduct a reasonable identity theft investigation for you regarding this and certify to you that they verified the bankruptcy was authorized by me or that I benefited from it I am appalled on the way TransUnion has handled this situation. TransUnions wilful and gross negligence violates is unlawful and unethical. This bankruptcy needs to be removed from my report. I notified you in XX/XX/XXXX, and you werepermitted 4 business days by the FCRA to have the information blocked and notify the company who reported it to you of the block and fraudulent status. It has been 3 months, you have neither blocked it nor notified the company that the information resulted from identity theft. \n\nI certify that the above statement is true and correct to the best of my knowledge and belief with no misrepresentation or omission of material fact. \n\n\nXXXX XXXX also said TransUnion has no access to PACER, which was an","date_sent_to_company":"2019-09-18T05:39:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91016","tags":null,"has_narrative":true,"complaint_id":"3377872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-09-18T01:00:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["She admitted the <em>court</em> does not <em>report</em> <em>bankruptcy</em> information to <em>them</em>, they use a third party vendor to obtain the information, which for information obtained before XX/XX/XXXX, would be XXXX. XXXX does not have a <em>bankruptcy</em> on file. So the <em>court</em> does not and did not <em>report</em> this to <em>them</em>, the vendor does not have a record of the <em>bankruptcy</em> in their records, PACER.GOV does not verify or <em>report</em> information to <em>credit</em> bureaus. My last dispute was opened on XX/XX/XXXX and closed on XX/XX/XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.234673,"3377872"]},{"_index":"complaint-public-v1","_id":"5235398","_score":19.141035,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are XXXX Chapter XXXX Bankruptcies on my credit report with XXXX and Equifax. \nXXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy Court in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. \n\nIn XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX. That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. \n\nI was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. Equifax has a fraud alert and they are aware of the other fraudulent charges that were removed, as does XXXX. \n\nWhen I ask them to block these XXXX items according to XXXX XXXX ( XXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with XXXX. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with XXXX. I contacted XXXX and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy Court and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX  XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX. No response. I have disputed these items at least XXXX  times with each XXXX including XXXX. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. \n\nIn the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in XXXX XXXX for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? \n\nI am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. \n\nThank you, XXXX XXXX.","date_sent_to_company":"2022-02-17T09:46:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37205","tags":"Older American","has_narrative":true,"complaint_id":"5235398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-17T08:43:03.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>contacted</em> the <em>Bankruptcy</em> <em>Court</em> and they sent me a letter confirming that they do not supply information to the <em>credit</em> <em>reporting</em> agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over <em>credit</em> <em>reporting</em> agencies, the XXXX  XXXX XXXX section XXXX does. They suggest I <em>contact</em> the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft <em>report</em> and sent that to the XXXX XXXX. No response."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.141035,"5235398"]},{"_index":"complaint-public-v1","_id":"5234106","_score":18.641117,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are XXXX Chapter XXXX Bankruptcies on my credit report with XXXX and XXXX. \nXXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy XXXX in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. \n\nIn XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX. That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. \n\nI was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. XXXX has a fraud alert and they are aware of the other fraudulent charges that were removed, as does XXXX. \n\nWhen I ask them to block these XXXX items according to XXXX  XXXX ( XXXXXXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with LexisNexis. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with LexisNexis. I contacted LexisNexis and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy Court and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX. No response. I have disputed these items at least XXXX times with each XXXX including LexisNexis. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. \n\nIn the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in XXXX XXXX  for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? \n\nI am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. \n\nThank you, XXXX XXXX.","date_sent_to_company":"2022-02-17T09:46:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37205","tags":"Older American","has_narrative":true,"complaint_id":"5234106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-02-17T09:46:50.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>contacted</em> the <em>Bankruptcy</em> <em>Court</em> and they sent me a letter confirming that they do not supply information to the <em>credit</em> <em>reporting</em> agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over <em>credit</em> <em>reporting</em> agencies, the XXXX XXXX XXXX section XXXX does. They suggest I <em>contact</em> the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft <em>report</em> and sent that to the XXXX XXXX. No response."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[18.641117,"5234106"]},{"_index":"complaint-public-v1","_id":"5232467","_score":18.632095,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are XXXX Chapter XXXX Bankruptcies on my credit report with Experian and XXXX. \nXXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy Court in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. \n\nIn XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. \n\nI was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. XXXX has a fraud alert and they are aware of the other fraudulent charges that were removed, as does Experian. \n\nWhen I ask them to block these XXXX items according to XXXX XXXXXXXX ( XXXXXXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with XXXX. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with XXXX. I contacted XXXX and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy XXXX and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX  No response. I have disputed these items at least 6 times with each XXXX including XXXX. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX, actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. \n\nIn the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in New Hampshire for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? \n\nI am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. \n\nThank you, XXXX XXXX.","date_sent_to_company":"2022-02-17T09:46:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37205","tags":"Older American","has_narrative":true,"complaint_id":"5232467","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-17T09:46:50.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There are XXXX Chapter XXXX <em>Bankruptcies</em> on my <em>credit</em> <em>report</em> with Experian and XXXX. \nXXXX was filed in XX/XX/XXXX. I got a letter from the <em>Bankruptcy</em> <em>Court</em> in XX/XX/XXXX, and I told <em>them</em> that this was not mine. They dismissed it. \n\nIn XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the <em>court</em>, there are no creditors."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[18.632095,"5232467"]},{"_index":"complaint-public-v1","_id":"17755048","_score":18.013851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because a XXXX  XXXX Bankruptcy, referenced as Ref : XXXX, continues to appear on my credit report even though I did not file, authorize, initiate, participate in, or have any knowledge of this bankruptcy at any point in my life. I have never retained a bankruptcy attorney, never appeared before any bankruptcy court, never submitted any petition, and have never been involved in any legal process related to bankruptcy. This bankruptcy filing was not created by me, and through my investigation into this matter, it is clear that I am the victim of identity theft and unauthorized use of my personal information. \n\nTo protect myself, I have already filed an FTC Identity Theft Report, and I am taking all appropriate steps to report and document that this bankruptcy is fraudulent. Because bankruptcy is one of the most serious derogatory marks that can appear on a consumers credit file, the presence of a fraudulent bankruptcy is causing extreme and ongoing harm, including the denial of credit, higher interest rates, anxiety regarding my financial reputation, and the long-term inability to obtain credit, housing, transportation, or employment opportunities.\n\nWhat follows is a complete account of what happened, how I discovered the issue, why this bankruptcy does not belong to me, and the legal and procedural violations that have occurred due to its continued reporting. \n\nXXXX. XXXX of the Fraudulent Bankruptcy I first became aware of the fraudulent bankruptcy when I reviewed my credit reports and noticed the listing of a XXXX XXXX Bankruptcy filed under Ref : XXXX. This immediately raised concerns because : I have never filed for XXXX  XXXX or any other type of bankruptcy I have never received notices, letters, or legal paperwork from the bankruptcy court I have never been contacted by trustees, attorneys, or creditors related to a bankruptcy case I have never attended or been invited to a XXXX meeting ( meeting of creditors ) I have never received a discharge order, court docket, or any documentation from the U.S. Bankruptcy Court The presence of this bankruptcy was a complete shock. There has never been a moment in my life when filing bankruptcy was discussed, needed, considered, or appropriate. \n\nThis reinforced my conclusion that : Someone else used my personal identifying information fraudulently to file a bankruptcy petition that has been wrongfully attributed to me. \n\n2. Filing the FTC Identity Theft Report After discovering this bankruptcy, I immediately filed an FTC Identity Theft Report, detailing that this bankruptcy was not mine and that my personal information had been compromised. The FTC report confirms that : I did not open or authorize the filing Any documentation submitted to the court did not originate from me My identity has been misused The existence of the FTC report establishes a formal record that I am a victim of identity theft, and the report places a legal obligation on all furnishers and reporting agencies to take the identity theft claim seriously. \n\nXXXX. I NEVER Filed XXXX  XXXX Bankruptcy XXXX Participation A key fact is that I have never filed for bankruptcynot XXXX  XXXX, not XXXX XXXX, not any form of bankruptcy. This means : My signature does not appear on any filing I have never submitted a bankruptcy petition I have never attended or been notified of a XXXX meeting I have never communicated with bankruptcy counsel I have never received court notices, legal orders, docket information, or case updates I never authorized anyone else to file on my behalf Bankruptcy filings require verification of identity, and yet someone managed to use my personal information without my knowledge or consent. I am the victim of fraud. \n\n4. The Bankruptcy Court Has No Valid Record Connected to Me Because I never filed this bankruptcy, the court recordif one existscannot contain : My legitimate personal information My authentic signature My actual financial disclosures Documents created or submitted by me My attendance at any hearings or XXXX creditor meetings My communications with any trustee Any information submitted to the court using my identity is fraudulent, unauthorized, and legally invalid. The bankruptcy courts systems were misused by a third party. \n\n5. Harm Caused by the False Bankruptcy Reporting A fraudulent bankruptcy is one of the most damaging events that can appear on a credit report. The presence of this unauthorized XXXX  XXXX filing has caused : Severe damage to my credit standing Denials of credit applications Increased interest rates on lines of credit and loans Barriers to securing housing or rental approvals Impact on employment opportunities due to credit checks Emotional distress, financial XXXX, and reputational harm Long-term restrictions on financial rebuilding A XXXX  XXXX bankruptcy remains on a credit report for up to 10 years, meaning this fraudulent event could continue to harm me for nearly a decade unless it is removed. \n\nThis is unlawful and unfair, especially given that I am the victim of identity theft. \n\n6. FCRA Violations by Continuing to Report the Fraudulent Bankruptcy Under the Fair Credit Reporting Act ( FCRA ), bankruptcy information must be : Accurate Verifiable Belonging to the correct consumer Because the bankruptcy does not belong to me, reporting it violates several FCRA provisions : FCRA 602 ( A ) Accuracy and Fairness Credit reporting must be fair and accurate. Reporting a fraudulent bankruptcy violates this foundational principle.\n\nFCRA 607 ( B ) Reasonable Procedures to Assure Maximum Possible Accuracy The continued reporting proves that maximum possible accuracy was not upheld.\n\nFCRA 611 ( A ) Reinvestigation Requirements Once disputed, information must be thoroughly verified.\n\nA bankruptcy can not be verified under my identity because : I never filed it I never signed any documents I never appeared in court I did not participate in any legal proceedings FCRA 605B Blocking Fraudulent Information When a consumer submits an identity theft report ( which I have ), furnishers and credit bureaus must block fraudulent information within four business days.\n\nThis did not happen. \n\n7. No Furnisher Has Produced Any Documentation That I Filed This Bankruptcy To date, no entity has provided : A bankruptcy petition signed by me Verified identity documents used at filing IP logs, device information, or attorney records resulting in court submission Trustee reports confirming my attendance Any legitimate association between me and the case No verification exists because the bankruptcy is fraudulent.\n\nUnder the FCRA, if a furnisher can not verify the accuracy of information with original documentation, it must be deleted. \n\nXXXX. Fraudulent Bankruptcy Filings Are a Known Identity Theft Method Identity thieves sometimes file fraudulent bankruptcies to : Delay creditor actions Block collection attempts Manipulate someone elses financial records Mask their own crimes I believe that someone used my identity to : Stop their own creditors from pursuing them Mislead creditors into thinking I was undergoing bankruptcy Avoid financial obligations Exploit weaknesses in identity verification systems I am now suffering the consequences of someone elses criminal behavior. \n\n9. Credit Bureaus Have an Obligation to Remove Fraudulent Bankruptcy Information A bankruptcy is one of the most serious items reported on a credit file. The FCRA requires that : Furnishers must not report inaccurate or unverifiable information Bureaus must conduct a meaningful reinvestigation Fraudulent information must be blocked upon receipt of an FTC report Bankruptcy courts must not be relied upon unless the identity is fully verified The reporting of this bankruptcy violates these obligations.\n\n10. Bankruptcy Can not Be Corrected It Must Be Deleted Unlike a loan or collection account, a bankruptcy can not be updated, modified, or corrected.\n\nEither : The consumer filed it, or The consumer did not file it.\n\nIn my case, I absolutely did not file it. \n\nTherefore : There is no scenario where this bankruptcy can lawfully remain on my credit report. \nIt must be deleted. \n\n11. My Credit File Should Not Contain Court Information That Is Not Mine Court records are extremely sensitive. My credit report currently reflects : A case number tied to someone else A filing date I never initiated Legal processes I never participated in A discharge for debts that are not mine A court docket that is completely unrelated to me This is not just inaccurate it is a false legal record attached to my identity.\n\n12. How This Fraudulent Bankruptcy Has Impacted My Life This fraudulent bankruptcy has caused significant hardship : I have been denied credit due to the presence of bankruptcy Credit card applications have been rejected Renters have declined my application Loans have been approved only with extremely high interest rates Insurance premiums have been affected Employers have questioned my financial history My financial credibility has been damaged I am constantly worried about who stole my information and why The psychological toll of having a fraudulent bankruptcy linked to my name has been overwhelming.\n\n13. Identity Theft Victims Are Protected Under Federal Law Federal law protects identity theft victims through : The FTC Identity Theft Program FCRA 605B blocking provisions CFPB enforcement of inaccurate reporting Criminal penalties for misuse of identity The right to dispute and remove fraudulent information My rights under these laws have been violated by the continued reporting of this bankruptcy.\n\nXXXX. I Am Requesting a Complete Investigation and Immediate Removal A fair and lawful resolution requires : Removal of the XXXX  XXXX Bankruptcy from all bureaus Blocking future reinsertion Notifying all furnishers that this case is fraudulent Ensuring that no associated accounts remain Preventing any future harm through reinvestigation requirements Because I have already provided an FTC Identity Theft Report, the burden falls on the furnisher to prove authenticity. \nThey can not do so because I never filed this bankruptcy. \n\nXXXX. Summary of What Happened A XXXX  XXXX Bankruptcy ( Ref : XXXX ) was filed without my knowledge or consent My identity was used fraudulently I discovered the false bankruptcy through my credit report I filed an FTC Identity Theft Report to document the fraud I have never filed for bankruptcy in my life No documentation exists with my legitimate signature or authorization The bankruptcy court has no legitimate participation from me The continued reporting violates multiple sections of the FCRA The fraudulent bankruptcy is causing severe ongoing harm I am requesting the full deletion and suppression of this bankruptcy because it does not belong to me. \n\nConclusion I am the victim of identity theft. Someone used my personal information without authorization to file a XXXX  XXXX Bankruptcy that has been wrongfully attached to my credit file. This fraudulent bankruptcy has caused enormous harm and violates numerous federal laws governing accuracy, verification, and reporting of credit information. I respectfully request the CFPBs assistance in ensuring that this fraudulent bankruptcy is fully removed from my credit reports, blocked from reinsertion, and acknowledged as identity theft in accordance with the FCRA.","date_sent_to_company":"2025-12-04T19:01:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"17755048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-04T19:00:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>bankruptcy</em> <em>courts</em> systems were misused by a third party. \n\n5. Harm Caused by the False <em>Bankruptcy</em> <em>Reporting</em> A fraudulent <em>bankruptcy</em> is one of the most damaging events that can appear on a <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.013851,"17755048"]},{"_index":"complaint-public-v1","_id":"17712668","_score":17.99163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because a XXXX  XXXX Bankruptcy, referenced as Ref : XXXX, continues to appear on my credit report even though I did not file, authorize, initiate, participate in, or have any knowledge of this bankruptcy at any point in my life. I have never retained a bankruptcy attorney, never appeared before any bankruptcy court, never submitted any petition, and have never been involved in any legal process related to bankruptcy. This bankruptcy filing was not created by me, and through my investigation into this matter, it is clear that I am the victim of identity theft and unauthorized use of my personal information. \n\nTo protect myself, I have already filed an FTC Identity Theft Report, and I am taking all appropriate steps to report and document that this bankruptcy is fraudulent. Because bankruptcy is one of the most serious derogatory marks that can appear on a consumers credit file, the presence of a fraudulent bankruptcy is causing extreme and ongoing harm, including the denial of credit, higher interest rates, anxiety regarding my financial reputation, and the long-term inability to obtain credit, housing, transportation, or employment opportunities.\n\nWhat follows is a complete account of what happened, how I discovered the issue, why this bankruptcy does not belong to me, and the legal and procedural violations that have occurred due to its continued reporting. \n\nXXXX. XXXX of the Fraudulent Bankruptcy I first became aware of the fraudulent bankruptcy when I reviewed my credit reports and noticed the listing of a XXXX XXXX Bankruptcy filed under Ref : XXXX. This immediately raised concerns because : I have never filed for XXXX  XXXX or any other type of bankruptcy I have never received notices, letters, or legal paperwork from the bankruptcy court I have never been contacted by trustees, attorneys, or creditors related to a bankruptcy case I have never attended or been invited to a XXXX meeting ( meeting of creditors ) I have never received a discharge order, court docket, or any documentation from the U.S. Bankruptcy Court The presence of this bankruptcy was a complete shock. There has never been a moment in my life when filing bankruptcy was discussed, needed, considered, or appropriate. \n\nThis reinforced my conclusion that : Someone else used my personal identifying information fraudulently to file a bankruptcy petition that has been wrongfully attributed to me. \n\n2. Filing the FTC Identity Theft Report After discovering this bankruptcy, I immediately filed an FTC Identity Theft Report, detailing that this bankruptcy was not mine and that my personal information had been compromised. The FTC report confirms that : I did not open or authorize the filing Any documentation submitted to the court did not originate from me My identity has been misused The existence of the FTC report establishes a formal record that I am a victim of identity theft, and the report places a legal obligation on all furnishers and reporting agencies to take the identity theft claim seriously. \n\nXXXX. I NEVER Filed XXXX  XXXX Bankruptcy XXXX Participation A key fact is that I have never filed for bankruptcynot XXXX  XXXX, not XXXX XXXX, not any form of bankruptcy. This means : My signature does not appear on any filing I have never submitted a bankruptcy petition I have never attended or been notified of a XXXX meeting I have never communicated with bankruptcy counsel I have never received court notices, legal orders, docket information, or case updates I never authorized anyone else to file on my behalf Bankruptcy filings require verification of identity, and yet someone managed to use my personal information without my knowledge or consent. I am the victim of fraud. \n\n4. The Bankruptcy Court Has No Valid Record Connected to Me Because I never filed this bankruptcy, the court recordif one existscannot contain : My legitimate personal information My authentic signature My actual financial disclosures Documents created or submitted by me My attendance at any hearings or XXXX creditor meetings My communications with any trustee Any information submitted to the court using my identity is fraudulent, unauthorized, and legally invalid. The bankruptcy courts systems were misused by a third party. \n\n5. Harm Caused by the False Bankruptcy Reporting A fraudulent bankruptcy is one of the most damaging events that can appear on a credit report. The presence of this unauthorized XXXX  XXXX filing has caused : Severe damage to my credit standing Denials of credit applications Increased interest rates on lines of credit and loans Barriers to securing housing or rental approvals Impact on employment opportunities due to credit checks Emotional distress, financial XXXX, and reputational harm Long-term restrictions on financial rebuilding A XXXX  XXXX bankruptcy remains on a credit report for up to 10 years, meaning this fraudulent event could continue to harm me for nearly a decade unless it is removed. \n\nThis is unlawful and unfair, especially given that I am the victim of identity theft. \n\n6. FCRA Violations by Continuing to Report the Fraudulent Bankruptcy Under the Fair Credit Reporting Act ( FCRA ), bankruptcy information must be : Accurate Verifiable Belonging to the correct consumer Because the bankruptcy does not belong to me, reporting it violates several FCRA provisions : FCRA 602 ( A ) Accuracy and Fairness Credit reporting must be fair and accurate. Reporting a fraudulent bankruptcy violates this foundational principle.\n\nFCRA 607 ( B ) Reasonable Procedures to Assure Maximum Possible Accuracy The continued reporting proves that maximum possible accuracy was not upheld.\n\nFCRA 611 ( A ) Reinvestigation Requirements Once disputed, information must be thoroughly verified.\n\nA bankruptcy can not be verified under my identity because : I never filed it I never signed any documents I never appeared in court I did not participate in any legal proceedings FCRA 605B Blocking Fraudulent Information When a consumer submits an identity theft report ( which I have ), furnishers and credit bureaus must block fraudulent information within four business days.\n\nThis did not happen. \n\n7. No Furnisher Has Produced Any Documentation That I Filed This Bankruptcy To date, no entity has provided : A bankruptcy petition signed by me Verified identity documents used at filing IP logs, device information, or attorney records resulting in court submission Trustee reports confirming my attendance Any legitimate association between me and the case No verification exists because the bankruptcy is fraudulent.\n\nUnder the FCRA, if a furnisher can not verify the accuracy of information with original documentation, it must be deleted. \n\nXXXX. Fraudulent Bankruptcy Filings Are a Known Identity Theft Method Identity thieves sometimes file fraudulent bankruptcies to : Delay creditor actions Block collection attempts Manipulate someone elses financial records Mask their own crimes I believe that someone used my identity to : Stop their own creditors from pursuing them Mislead creditors into thinking I was undergoing bankruptcy Avoid financial obligations Exploit weaknesses in identity verification systems I am now suffering the consequences of someone elses criminal behavior. \n\n9. Credit Bureaus Have an Obligation to Remove Fraudulent Bankruptcy Information A bankruptcy is one of the most serious items reported on a credit file. The FCRA requires that : Furnishers must not report inaccurate or unverifiable information Bureaus must conduct a meaningful reinvestigation Fraudulent information must be blocked upon receipt of an FTC report Bankruptcy courts must not be relied upon unless the identity is fully verified The reporting of this bankruptcy violates these obligations.\n\n10. Bankruptcy Can not Be Corrected It Must Be Deleted Unlike a loan or collection account, a bankruptcy can not be updated, modified, or corrected.\n\nEither : The consumer filed it, or The consumer did not file it.\n\nIn my case, I absolutely did not file it. \n\nTherefore : There is no scenario where this bankruptcy can lawfully remain on my credit report. \nIt must be deleted. \n\n11. My Credit File Should Not Contain Court Information That Is Not Mine Court records are extremely sensitive. My credit report currently reflects : A case number tied to someone else A filing date I never initiated Legal processes I never participated in A discharge for debts that are not mine A court docket that is completely unrelated to me This is not just inaccurate it is a false legal record attached to my identity.\n\n12. How This Fraudulent Bankruptcy Has Impacted My Life This fraudulent bankruptcy has caused significant hardship : I have been denied credit due to the presence of bankruptcy Credit card applications have been rejected Renters have declined my application Loans have been approved only with extremely high interest rates Insurance premiums have been affected Employers have questioned my financial history My financial credibility has been damaged I am constantly worried about who stole my information and why The psychological toll of having a fraudulent bankruptcy linked to my name has been overwhelming.\n\n13. Identity Theft Victims Are Protected Under Federal Law Federal law protects identity theft victims through : The FTC Identity Theft Program FCRA 605B blocking provisions CFPB enforcement of inaccurate reporting Criminal penalties for misuse of identity The right to dispute and remove fraudulent information My rights under these laws have been violated by the continued reporting of this bankruptcy.\n\nXXXX. I Am Requesting a Complete Investigation and Immediate Removal A fair and lawful resolution requires : Removal of the XXXX  XXXX Bankruptcy from all bureaus Blocking future reinsertion Notifying all furnishers that this case is fraudulent Ensuring that no associated accounts remain Preventing any future harm through reinvestigation requirements Because I have already provided an FTC Identity Theft Report, the burden falls on the furnisher to prove authenticity. \nThey can not do so because I never filed this bankruptcy. \n\nXXXX. Summary of What Happened A XXXX  XXXX Bankruptcy ( Ref : XXXX ) was filed without my knowledge or consent My identity was used fraudulently I discovered the false bankruptcy through my credit report I filed an FTC Identity Theft Report to document the fraud I have never filed for bankruptcy in my life No documentation exists with my legitimate signature or authorization The bankruptcy court has no legitimate participation from me The continued reporting violates multiple sections of the FCRA The fraudulent bankruptcy is causing severe ongoing harm I am requesting the full deletion and suppression of this bankruptcy because it does not belong to me. \n\nConclusion I am the victim of identity theft. Someone used my personal information without authorization to file a XXXX  XXXX Bankruptcy that has been wrongfully attached to my credit file. This fraudulent bankruptcy has caused enormous harm and violates numerous federal laws governing accuracy, verification, and reporting of credit information. I respectfully request the CFPBs assistance in ensuring that this fraudulent bankruptcy is fully removed from my credit reports, blocked from reinsertion, and acknowledged as identity theft in accordance with the FCRA.","date_sent_to_company":"2025-12-04T19:01:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"17712668","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-04T18:54:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>bankruptcy</em> <em>courts</em> systems were misused by a third party. \n\n5. Harm Caused by the False <em>Bankruptcy</em> <em>Reporting</em> A fraudulent <em>bankruptcy</em> is one of the most damaging events that can appear on a <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.99163,"17712668"]},{"_index":"complaint-public-v1","_id":"3281593","_score":17.33982,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted by a company going by the name of XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX for the first time advising me there is a claim ( Case # : XXXX ) against me in the amount of $ XXXX for a XXXX XXXX credit card that went into delinquency back in XX/XX/XXXX according to the representative I spoke to. I immediately advised the representative that I am unaware of any alleged outstanding debt and that any and all credit accounts held by me or jointly with my wife were discharged in Bankruptcy court in XX/XX/XXXX. \n\nPrior to this phone conversation I have only ever had XXXX XXXX XXXX credit card held jointly with my wife. \n\nI advised the representative of XXXX ( XXXX XXXX ) that I needed a few days to pull my credit report and also to get a copy of my Chapter XXXX bankruptcy discharge which was cleared on XX/XX/XXXX. Mr. XXXX stated to me that this alleged credit account was not included in the Chapter XXXX filing and that the alleged debt is still valid. Once again I explained to Mr. XXXX that I will get a copy of my discharge papers and would be happy to fax them to XXXX as proof that all of my accounts were discharged in Federal Bankruptcy Court. \n\nI intended to call XXXX today, Thursday XX/XX/XXXX however, I received a follow up call from a Mr. XXXX XXXX ( XXXX, ext. XXXX XXXX yesterday XX/XX/XXXX advising me that my case was now referred to him. I proceeded to explain the same instance of details I explained to Mr. XXXX the previous week. Mr. XXXX quoted my representing attorney in bankruptcy court, quoted the bankruptcy discharge date , county and state of the discharge ( All public information by the way ) and stated to me that the account was not listed on the discharge. I requested specific paper proof showing me how they determined that this alleged specific account was not listed on my bankruptcy accounts list. I was informed that they simply look at the account, compare it against a discharge list that they have access to and can determine on their end that the account was not included. Again, I requested the proof that he is quoting to me about this alleged account and Mr. XXXX could not present any proof of said account either in paper or electronically. \n\nIf this is truly the case, why didn't they ( XXXX XXXX or any representing collection agency ) show up at the meeting of creditors during the Chapter XXXX proceedings? Considering that according to them, the account was delinquent since XX/XX/XXXX, and my hearings and ultimately discharge occurred in XX/XX/XXXX? Furthermore, the court never received any objections, written or otherwise to the filing when first initiated in XX/XX/XXXX. \n\nI then informed Mr. XXXX that I can not simply go by his word that this account was not included. I explained that I only ever had one XXXX XXXX credit card account prior to our bankruptcy filing. I also advised Mr. XXXX that I have never seen the one account that I am aware of go into delinquency. This account has not shown up on my credit report as unpaid or noncollectable by the original crediting bank. Mr. XXXX then gave me an explanation that sometimes banks don't report delinquent accounts to the consumer reporting agencies in an attempt to give the debtor an opportunity to pay the account. Five years of leniency? I have never, ever heard of any creditor granting such mercy to anyone. Everyone of my accounts that I had previously, were listed on my credit report and never once did any XXXX XXXX account come up as delinquent until the Chapter XXXX filing in XX/XX/XXXXunder advisement of our bankruptcy attorney. Furthermore, after the discharge, all credit accounts that my wife and I had previously were closed under the chapter XXXX filing. \n\nI advised Mr. XXXX that as a one time courtesy, I am going to fax them a copy of my Bankruptcy Discharge papers ( blocking out any personally identifiable information ) as proof that all accounts were in fact discharged. We ended our call at this time and I did in fact fax them all of the discharge papers to fax # : XXXX. I then proceeded to perform a reverse lookup of this fax number and the owner of the number comes up as XXXX XXXX and XXXX ( a collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a primary contact number of ( XXXX ) XXXX according to the XXXX  website. \n\nIn my fax communication to this agency, I explained the content of the fax. I also at this time communicated my expectations that as far as I am concerned, this matter is fully resolved, null and void. I also stated in my letter accompanying the facsimile that should any of this invalid information end up on my or my wife 's credit report, I would seek full legal action against XXXX and any associated partners of their firm. I also furnished to XXXX the name and contact information to my Bankruptcy attorney 's office and made clear that any further information they might require would need to be obtained from the Attorney 's office and that I no longer wish to be contacted on this matter. \n\nI'm filing this complaint at this time for two reasons ; 1. The methods of which XXXX or XXXX XXXX XXXX XXXX   are employing to collect on a debt that was discharged in Federal Bankruptcy Court, and, 2. I'm not sure what they will do with the information furnished to them by me.","date_sent_to_company":"2019-08-27T15:29:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"17603","tags":"Servicemember","has_narrative":true,"complaint_id":"3281593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2019-06-20T15:07:34.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["XXXX that as a one time courtesy, I am going to fax <em>them</em> a copy of my <em>Bankruptcy</em> Discharge papers ( <em>blocking</em> out any personally identifiable information ) as proof that all accounts were in fact discharged. We ended our call at this time and I did in fact fax <em>them</em> all of the discharge papers to fax # : XXXX."],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[17.33982,"3281593"]},{"_index":"complaint-public-v1","_id":"2473547","_score":16.51245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On   XXXX   XXXX   XXXX    , after sending certified dispute letters, filing online and several calls, I spoke with a agent at Equifax  (   XXXX  in Nevada  )  she was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was told it may take up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated   XXXX   XXXX   XXXX    . The first, (  XXXX  ) stating that the inquiries, I did n't consent to, Best Buy ;  XXXX  ;  XXXX   XXXX  Bank ;  XXXX   XXXX   XXXX  CO ; and  XXXX  from Equifax Mortgage are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  from   XXXX   XXXX   ;   XXXX   XXXX    XXXX   XXXX   have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for   XXXX   years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the  XXXX . Called on Equifax back on  XXXX   XXXX  (  XXXX   )  an agent (  XXXX  ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  (   XXXX   ) w ho also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   )  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent (  XXXX  ). I began telling him what happened and he placed me on hold for  XXXX  minutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.      XXXX   XXXX   XXXX ,   XXXX   at  XXXX  pm CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked for a US agent in the fraud department as he was reading my information he transferred me after holding for  XXXX  minutes to agent (  XXXX   )  she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated Equifax  Credit Information Services , Inc  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent Equifax several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the  US  Bankruptcy Courts and I was told a court clerk ( Mrs.  XXXX  ), that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at  XXXX  pm and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on   XXXX   XXXX   is still processing because they did n't start the dispute until   XXXX   XXXX  . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when Equifax called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX  ) came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.","date_sent_to_company":"2017-05-03T02:00:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63116","tags":"Servicemember","has_narrative":true,"complaint_id":"2473547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-05-02T23:50:11.000Z","state":"MO","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They just respond to me that the <em>Bankruptcy</em> and accounts are verified. There are numerous Inquiries that are on my <em>credit</em> <em>report</em> from companies that I have never heard of and they will not remove <em>them</em>. So I called the  US  <em>Bankruptcy</em> <em>Courts</em> and I was told a <em>court</em> clerk ( Mrs.  XXXX  ), that they do not, will not and never will <em>report</em> to the <em>credit</em> <em>reporting</em> agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying <em>them</em>??? She transfer me to her supervisor."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.51245,"2473547"]},{"_index":"complaint-public-v1","_id":"2473544","_score":16.227379,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX ,   XXXX  , after sending certified dispute letters, filing online and several calls, I spoke with a agent at   XXXX   (  XXXX  in Nevada  ) s he was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was to ld it may t ake up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated  XXXX ,  XXXX ,   XXXX  . The first, (  XXXX  ) stating that the inquiries, I did n't consent to,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ; and  XXXX  from   XXXX   XXXX   are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  fro  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for 2 years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the bbb. Called on   XXXX   back on  XXXX   XXXX  (  XXXX   XXXX  an agent ( Smile ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  XXXX   XXXX   XXXX  who also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   XXXX  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent  XXXX   XXXX   XXXX . I began telling him what happened and he placed me on hold for  two m inutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.       Today    XXXX   XXXX ,   XXXX   at  XXXX    XXXX   CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked fo r a US agent  in the fraud department as he was reading my information he transferred me after holding  for 18 m inutes to agent (  XXXX   XXXX  she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent  XXXX  several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called  the US Bankr uptcy Courts and I was told a court clerk (  XXXX   XXXX   XXXX , that they do not, will not and never will report to the credit reporting agencies due to privacy laws.  XXXX  is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at  XXXX    XXXX    and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on  XXXX   XXXX , is still processing because they did n't start the dispute until  XXXX   XXXX . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when  XXXX  called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX   XXXX  came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers.   XXXX    has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.","date_sent_to_company":"2017-05-03T06:00:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63116","tags":"Servicemember","has_narrative":true,"complaint_id":"2473544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-05-03T02:00:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have sent certified mail to all  XXXX  <em>credit</em> bureaus asking <em>them</em> to please remove a <em>bankruptcy</em> that is not mine off of my <em>credit</em> <em>report</em>. I also asked <em>them</em> to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the <em>court</em> system they have listed on my <em>credit</em> <em>report</em> and their response was that they do n't supply <em>court</em> case information to these companies."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.227379,"2473544"]},{"_index":"complaint-public-v1","_id":"2473546","_score":16.08408,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX ,   XXXX  , after sending certified dispute letters, filing online and several calls, I spoke with a agent at   XXXX   (  XXXX  in Nevada  ) s he was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was told it may take up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated  XXXX ,  XXXX ,   XXXX  . The first, (  XXXX  ) stating that the inquiries, I did n't consent to,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   ; and  XXXX  from   XXXX   XXXX   are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for 2 years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the bbb. Called on   XXXX    back on  XXXX   XXXX  (  XXXX   XXXX  an agent (   XXXX   ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  XXXX   XXXX   XXXX  who also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   )  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent  XXXX   XXXX   XXXX . I began telling him what happened and he placed me on hold for    two m inutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.     Today  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked for a  US  agent in the fraud department as he was reading my information he transferred me after holding for  18  minutes to agent (  XXXX  ) she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent  XXXX  several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the   XXXX   XXXX   XXXX   and I was told a court clerk (  XXXX   XXXX   XXXX , that they do not, will not and never will report to the credit reporting agencies due to privacy laws.   XXXX   is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at   XXXX   XXXX    and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on  XXXX   XXXX , is still processing because they did n't start the dispute until  XXXX   XXXX . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when   XXXX   called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX   )  came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers.    XXXX    has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.","date_sent_to_company":"2017-05-03T06:00:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63116","tags":"Servicemember","has_narrative":true,"complaint_id":"2473546","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-05-03T02:00:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have sent certified mail to all  XXXX  <em>credit</em> bureaus asking <em>them</em> to please remove a <em>bankruptcy</em> that is not mine off of my <em>credit</em> <em>report</em>. I also asked <em>them</em> to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the <em>court</em> system they have listed on my <em>credit</em> <em>report</em> and their response was that they do n't supply <em>court</em> case information to these companies."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.08408,"2473546"]},{"_index":"complaint-public-v1","_id":"8522341","_score":15.240953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LCI is reporting to XXXX a Bankruptcy on my credit report. I have disputed the bankruptcy accuracy a few times and even requested XXXX to provide me with the method of verification of the dispute which XXXX has completely ignored several times, reissued a 30 day investigation and came back with the same verified results. Specifically even through the CFPB LCI should had received no less than 5 disputes in XXXX from XXXX in reference to my disagreement with the accuracy of the Bankruptcy they are reporting. I sent LCI an email on XX/XX/XXXX attempting to initiate a dispute and also find out their method of verification, in which LCI responded they are a data furnisher and I should contact XXXX, I will attach a copy of the response. That prompted me to send them a formal letter of a dispute on XX/XX/XXXX and i added the mail tracker to track when it has been read and as of today XX/XX/XXXX at XXXX XXXX the email still has not been opened. Even as a data frunisher the FCRA States : Furnisher 's Duty to Provide Accurate Information ( Section 623 ) : The FCRA places responsibilities on entities that provide information to CRAs ( data furnishers ) to ensure the accuracy of the information they report. If a consumer disputes information with a CRA, the CRA must notify the data furnisher of the dispute, and the furnisher is then obligated to investigate and report back to the CRA. \n\nLCI, has violated the Fair Credit Reporting Act ( FCRA ) by not initiating a dispute when requested and supplying inaccurate information to XXXX, you may want to consider the following relevant sections of the FCRA : Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers to Provide Accurate Information : This section imposes a general duty on data furnishers to provide accurate information to consumer reporting agencies ( CRAs ). If inaccurate information is being reported, it may be a violation of this duty.\n\nSection 623 ( a ) ( 3 ) - Duty to Provide Notice of Dispute : Data furnishers have a duty to investigate disputes received directly from consumers. If you have directly disputed the information with LCI and they have not initiated an investigation, it could be a violation of this section.\n\nSection 623 ( b ) - Duties of Furnishers Upon Notice of Dispute : Subsection ( b ) ( 1 ) states that, upon receiving notice of a dispute from a consumer reporting agency ( CRA ), the furnisher must conduct an investigation and review all relevant information provided by the CRA. If LCI fails to investigate and correct inaccuracies reported to XXXX, it may be a violation of this section.\n\nSection 623 ( b ) ( 2 ) - Results of Reinvestigation : After completing the investigation, the furnisher is required to report the results to the CRA. If LCI fails to provide accurate information during the reinvestigation process, it may be a violation of this section.\n\nSection 623 ( b ) ( 3 ) - Resolving Disputes : This section requires data furnishers to modify, delete, or permanently block the reporting of information found to be inaccurate, incomplete, or unverifiable. If LCI fails to take appropriate corrective actions after a dispute, it may be a violation of this section.\n\nIt's important to note that data furnishers have a responsibility to report accurate and up-to-date information to CRAs. If a consumer disputes the accuracy of bankruptcy information on their credit report, the credit reporting agency must conduct an investigation under the Fair Credit Reporting Act ( FCRA ). During this investigation, the data furnisher is required to provide accurate information to support the reporting of the bankruptcy. \n\nI have a letter from the courts stating they have not verified any bankruptcy information with or for a credit reporting agency and the courts. So if there is an address reported on my credit report that should not be there and that is what LCI is verifying that this erroneous address is the same one on the credit profile, that is not enough information to place an account or a public record on anyone 's credit report. How is LCI Verifying that this bankruptcy belong to XXXX XXXX","date_sent_to_company":"2024-03-11T23:12:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"8522341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2024-03-11T22:46:20.000Z","state":"NC","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["During this investigation, the data furnisher is required to provide accurate information to support the <em>reporting</em> of the <em>bankruptcy</em>. \n\nI have a letter from the <em>courts</em> stating they have not verified any <em>bankruptcy</em> information with or for a <em>credit</em> <em>reporting</em> agency and the <em>courts</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.240953,"8522341"]},{"_index":"complaint-public-v1","_id":"4993560","_score":15.002438,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"in XXXX of XXXX i disputed a bankruptcy that experian is reporting to my credit report which is inaccurate they responded with a letter of a credit report and all of my addresses they claimed i lived at .I then sent another letter in XX/XX/XXXX telling them i didn't want a credit report i wanted the verification method of how this account was verified and validated i sent them a certified letter that by law has to be responded back to within 15 days they sent again the same info stated this info was validated and is was verified through the credit grantor and or three party agencies. Over the last year or so i have determined this information is also incorrect, on XX/XX/XXXX i sent them another certified letter stating this is my last time before i take legal action regarding info that is not correct on my credit report. they blocked the information to be seen on online and gave me the answer as if they will not reveal how it was verified and they will no longer be addressing this case. the credit grantor or public record list MD court located at XXXX XXXX XXXX XXXX in XXXX MD. after going to them directly they have sent a letter to me by law that they do not verified or associate with credit bureaus and that this information is not accurate. i also contacted third party agency that collect consumer reports such as XXXX XXXX XXXX XXXX XXXX  non of which has any info regarding info that is related to me over the last year,. \naccording to the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. which they have broken the law over the last 3 years after i have sent them proof that the method that claim they use was not true as i went to them directly. i have sent them copies of such. i keep getting conflicted stories about the verification and its validation Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable re investigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. they told me that it will not re investigate as it has been verified my next step is to sue. this information is making me pay thousand of more interest every year and rendering me from buying a home. This information needs to be deleted within 30 days if it can not be verified with a creditable source.","date_sent_to_company":"2021-12-09T19:56:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20708","tags":null,"has_narrative":true,"complaint_id":"4993560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-09T19:01:04.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["in XXXX of XXXX i disputed a <em>bankruptcy</em> that experian is <em>reporting</em> to my <em>credit</em> <em>report</em> which is inaccurate they responded with a letter of a <em>credit</em> <em>report</em> and all of my addresses they claimed i lived at .I then sent another letter in XX/XX/XXXX telling <em>them</em> i didn't want a <em>credit</em> <em>report</em> i wanted the verification method of how this account was verified and validated i sent <em>them</em> a certified letter that by law has to be responded back to within 15 days they sent again the same info stated this info"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.002438,"4993560"]},{"_index":"complaint-public-v1","_id":"3560496","_score":14.337843,"_source":{"product":"Mortgage","complaint_what_happened":"I want to thank you for the opportunity to submit this information as I continue my next steps in regards to my home.. I want to ensure this was reported in case others are going through this. I was not aware of this bureau until two weeks ago. I am a service connected Veteran who purchased a VA home loan through USAA a few years ago.I love USAA. I never had any issues with USAA if I did, they were always helpful in resolving them. Ive been a member since XXXX if I can recall. \n\nXXXX I received a notice from USAA that XXXX XXXX  XXXX a subservicer of USAA was transferring the servicing of my mortgage loan to a new subservicer XXXX  effective. I never knew XXXX was a subservicer of my loan, I've never received any documentation on XXXX or statements. Once the loan was serviced by XXXX I noticed a lot of changes to include escrow statements and I was not happy with their practices even when I questioned my escrow account statements. \n\nXXXX I had setbacks and I was recovering from a lot of major changes and unexpected circumstances from the prior year and I was working to get things back on track. In the midst of all of this I applied to several jobs and started working, however the income was nothing compared to what I used to make. \n\nXXXX Refusal to accept Mortgage Payments I was behind on my mortgage 60 days as my income was adjusting. I was sent a notice of being behind from XXXX Subservicer of USAA in addition to a statement of late fees recurring. I was advised I had until XX/XX/XXXX to bring my mortgage current. At that time my mortgage was {$1000.00} per month and I was behind two months. I also received additional letters from XXXX  Servicer of USAA advising me that my home will be set for foreclosure by XXXX XXXX in XXXX, if I did not bring my account current. \n\nI went online to USAA.com to pay my past due mortgage as I've always done. I was able to login to all of my USAA accounts except my Mortgage account. I called tech support as I thought there was something wrong with my overall login. Tech Support informed me there are no blocks on logging into USAA and I should check with the mortgage company the next day. since were closed since I called in the evening I called XXXX and I was informed that I was not allowed to make any payments online and I was blocked from making payments and my account is set for foreclosure. This is what led me to where I am today unfortunately. I asked the representative how I could bring my account current if I am unable to make a payment online or even over the phone. I was denied. I did not receive any notice stating I would be blocked from making online or over the phone payments. I have made online payments or over the phone payments for years at this time. I even informed them that the notification stated I had until XX/XX/XXXX. I was not allowed to make any payments online, and was completely blocked from my account. I could only view. \n\nI called XXXX XXXX constantly and they also called asking for payments. I always stated how am I supposed to pay? In addition if I have the money to pay, I do not know how to pay if I am being blocked. This back and forth went on for quite some time. I was appalled and very frustrated. \n\nRefusal of requests for Loan Modification A month or so went by and my past due increased in addition to lawyer fees piled up. I still could not make a payment online or wasn't advised where my payments could be sent to. By this time I was at {$6000.00} to include lawyer fees for 3 months. I received a statement packet in the mail. In the statement packet I was sent an Uniformed Borrower Assistance Package. I applied and requested for forbearance or loan modification. The first application I was denied. I contacted my local HUD office since I was unfamiliar with the overall process. I was advised to speak to loss mitigation. HUD spoke on my behalf and I was able to apply to get a loan modification as at that time I had a roommate and I am foreign to these documents or process and I did not know I could include them in the initial application. The Veterans Administration was also involved throughout. \n\nI applied numerous times for a loan modification and was constantly denied. The denial reason was always the same. I appealed every time except the last application.Each time even in less than 30 days my credit was pulled. After the denial I had no other choice but to file bankruptcy to save my home. \n\nForbearance Plan, Affordable Modification, & Standard Modification all denied each time due to their response below. \n\nDue to excessive obligations, we are unable to offer you a modification plan because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program I could not understand why I constantly kept getting denied. I know I was able to afford a loan modification. In addition I informed XXXX that I was going to be receiving extra income soon with one of the jobs I applied for in XXXX. I was still denied all except the options to sell my home which I do not want to do or go into foreclosure. \n\nThe Veteran Administration intervened and assisted tremendously. I can not thank them enough. I was in a situation I never wanted to be in, but life happened for me. I have plenty of emails and conversations with the Veteran Administration, myself and XXXX aka XXXX XXXX. I did not know XXXX was XXXX XXXX until the emails back and forth from the member specialist and the Veteran Administration listed as XXXX XXXX. \n\nBankruptcy & Deductions of Reinstatement Amount I filed Bankruptcy I never wanted to file bankruptcy but XXXX did not give me any choice.. In less than 30 days of filing bankruptcy, I paid a total of {$3000.00} to include the first mortgage payment after filing bankruptcy, filing fee and bankruptcy payment. The total lawyer fee was {$5000.00} which was paid in 90 days. My bankruptcy payments were high, almost {$2000.00} each month in addition to my regular bills. I could not understand how I was able to file bankruptcy and not receive an affordable loan modification from XXXX  subservicer of USAA.. During this time I received a statement that my mortgage payment increased from {$960.00} to {$960.00}. \n\n\nESCROW TAXES & INSURANCE ACCOUNT In filing bankruptcy the lawyer questioned the total amount that was past due at filing per XXXX  The amount past due per XXXX  was {$3300.00} less than my last statement from XXXX prior to filing bankruptcy. The lawyer asked me where the payment come from and did I pay that? I advised I did not know. \n\nDid XXXX used my escrow to pay off part of my reinstatement balance prior to filing bankruptcy?. XXXX also Falsified documents and stated prior to filing the total amount was {$19000.00} which is incorrect. This is also listed on the notice of default to courts which is incorrect. \n\nMy recent Escrow & Interests Statement received XX/XX/XXXX indicates my current mortgage is {$1000.00} which is incorrect. I did not receive any statement that my payment changed from {$960.00} to {$1000.00} My home insurance is not paid through my mortgage payment. I pay this monthly on my own. Where is this insurance money going to? \n\nXXXX Improper allocation of mortgage payments during bankruptcy to purposely attempt to foreclose and put me in default. \n\nI received my first informational statement after making my first mortgage payment during bankruptcy as the next month was due in a few weeks. I called XXXX  subservicer of USAA and quickly questioned why my current mortgage payments were listed as unapplied and partial payments. XXXX Subservicer of USAA advised me that all of my current payments that will be made will be going to my past due payments, not current mortgage. I argued that this was incorrect as I pay the trustee my past due payments during my bankruptcy. Any payments that I make directly should be going to my current mortgage so I will not be in default. I requested a corrected statement that states applied.. I never received a corrected statement. \n\nI contacted my attorney to advise and sent them the information of my first payment. I informed I will not pay twice to past due, as this would cause me to be in default and in more debt. I will not pay until it is corrected and statement indicating my payments made directly will go to current not past due which is in bankruptcy. XXXX  subservicer of USAA filed a notice of default and wanted to foreclose on my home as I suspected they would. My lawyers intervened and both parties agreed that I would pay on top of my current mortgage during bankruptcy an additional amount each month following the next month for the past due. This still was not resolved. This was becoming expensive at the fault of XXXX and I was consistently getting in more debt. I paid my first payment again and the statement was still not corrected. It still listed unapplied and partial. I made my second payment which was split as the additional funds for me came later in the month to pay the additional agreed amount. I paid for two months after the agreement with one late fee.\n\nI met with an attorney to go over my income so far during bankruptcy. .My income increased for about 4 weeks from one of my income sources and I also lost income as my car needed repairs.\n\nI informed my lawyer and expected this information to be relayed to the trustee ; it was not, the lawyer only reported increases from one source of income, which was not permanent, not overall income changes.. Due to  XXXX falsely filing a default letter I did not get an opportunity to go over my changed income in court.\n\nBankruptcy was becoming expensive. I spoke with one of the attorneys who advised me to let my case be dismissed and start over with this new information. I argued that it would be another {$5000.00} for me to pay when they could resolve this now and report the correct information to the Trustee and judge and lower my bankruptcy payments. \n\nIn order to assist me further, they wanted more money. I refused. My Bankruptcy case was dismissed. They asked me to retain them again, I refused. \n\nIn less than a year Ive paid a total of {$11000.00} to bankruptcy and lawyer fees alone not including my other bills to live. All of this could have gone to my mortgage, but XXXX constantly denied my loan modification and refused to approve my loan modification and correct the total amount due and refused to apply my payments made to my mortgage. This is causing hardship and prejudice to constantly continue to go through this no matter what I do just to manufacture reasons to foreclose on my home. These are deliberately unfair practices. This is also preventing me from getting other opportunities in reference to mortgage assistance which is harmful to my stability. \n\nXXXX Misleading, Falsifying information, payments court documents, and deceptive practices to attempt to foreclose on my home. \n\nDuring bankruptcy XXXX Subservicer filed a notice of default indicating I did not make my first payment after the agreement between XXXX and my attorney. I sent my attorney at the time my bank statements of my payments to prove that I paid as XXXX reported that I did not pay which I did. \n\nXXXX argued that they will not accept partial payments. Two months later I received a letter from XXXX indicating that funds I paid to my mortgage account prior are in an unapplied account and that I need to pay a total past due of {$24000.00} to reinstate my loan by the 35th day from the notice or my house will go to foreclosure There is a next payment due date of XXXX on this noticed which is completely incorrect. This also includes almost {$7000.00} in fees. This is deceptive practices by choosing to once again not accept my payments even in bankruptcy and allocate my funds to another account to list me in default.","date_sent_to_company":"2020-04-06T14:20:24.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"23666","tags":"Servicemember","has_narrative":true,"complaint_id":"3560496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-03-10T02:09:45.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I appealed every time except the last application.Each time even in less than 30 days my <em>credit</em> was pulled. <em>After</em> the denial I had no other choice but to file <em>bankruptcy</em> to save my home. \n\nForbearance Plan, Affordable Modification, & Standard Modification all denied each time due to their response below."]},"sort":[14.337843,"3560496"]},{"_index":"complaint-public-v1","_id":"5706548","_score":14.260724,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX, a Federal protected consumer, and I am making this complaint against EXPERIAN for failure to investigate with fair and accuracy. I recently disputed the XXXX XXXX XXXX XXXX XXXX that EXPERIAN is reporting on my consumer report without my permission and EXPERAIN outcome Remains : The company that reported the information has certified to Experian that the info is accurate. Who is the company? On your website it shows that XXXX is the third party vendor and I have mailed and attached correspondence showing that XXXX has deleted this bankruptcy from their database. I have provided EXPERIAN with proof that this PUBLIC RECORD was FRAUDULENTLY FURNISHED by attaching a FTC and by mailing correspondence to EXPERIAN certified mail. EXPERIAN has responded back by stated \" our investigation of the dispute ( s ) and/or other request you recently submitted is now complete. If an item you disputed is not in the list of result below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. EXPERIAN also stated \" IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY.- I have contacted the third party directly and XXXX has seen DELETE this BANKRUPTCY FROM THEIR DATABASE which I have also provide because XXXX never had my written consent to furnish it. EXPERIAN ALSO STATED THAT \" BANKRUPTCIES AND CHILD SUPPORT DEBT typically do not result from FRAUDULENT ACTIVITIES ; If BANKRUPTCY DEBT typically do not result from FRAUDLENT ACTIVITES EXPERIAN would be saying that I gave permission to XXXX to furnish this information which I did not and the result of me not giving my consent to XXXX they had to remove it from their database. EXPERIAN stated that \" WE ARE REQUESTING ADDITIONAL INFORMATION THAT YOU MUST PROVIDE IN ORDER FOR US TO ACT ON YOUR REQUEST. I have provided EXPERIAN additional information several times in CFPB COMPLAINT # XXXX, # XXXX, # XXXX, # XXXX AND # XXXX. I have mailed correspondence to EXPERIAN with copies of the FTC report and correspondence from their third party vendor XXXX showing this PUBLIC RECORD was fraudulently furnished several times. EXPERIAN IS REQUEST THAT I SEND A COPY OF MY GOVERMENT ISSUED IDENTIFICATION CARD OR A UTILITY BILL. I have provided this to EXPERIAN already before though XXXX also in previous complaints. They are also requesting that I include the following identification information : My full name including middle initial which is on my government issued identification card. I have provide my social security number in previous attachment also with correspondence that has been mailed to them. I have also identified that my address has been the same sine 2016. XXXX committed identity theft because I never gave XXXX ANY permission to use any of my identifying information. EXPERIAN continues to invade my privacy by committing abusive, deceptive and unfair creidt reporting. Federal law states that a consumer reporting agency shall block the reporting of ANY information in the file of a CONSUMER that the CONSUMER IDENTIFIES as INFORMATION that resulted from an alleged IDENTITY THEFT, not LATER than 4 business days after the date of receipt by such agency of a copy of an identity theft report ; I XXXX XXXX a FEDERALLY PROTECED CONSUMER IDENTIFY that the XXXX XXXX XXXX XXXX XXXX was a result from an ALLEGED IDENTITY THEFT. I XXXX XXXX provided proof of the alleged IDENTITY THEFT. PLEASE explain why this information is still reporting and why EXPERIAN THINKS they can make a decision on what reports on my consumer report after I have told and provided proof that the XXXX XXXX XXXX XXXX XXXX was fraudulently furnished. It is my belief that EXPERIAN are attempting to furnish false and deceptive forms. EXPERIAN has committed multiple violations under the FCRA by furnishing this PUBLIC RECORD that I have identified several times as identity theft. EXPERIAN refuse to BLOCK this PUBLIC RECORD from my consumer report as if that has a option to do so. Maybe you misunderstood me telling you to remove this XXXX XXXX XXXX XXXX  XXXX from my consumer report because I never gave you my written consent to furnish it in the first place. You have failed to provide me with your method of verification. If this public record information was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigated consumer report, I am also exercising my rights under 15 U.S.C 1681 ( a ) ( e ). I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished the information. Pursuant to 15 U.S.C 1681a ( e ) I am demanding the following : Which neighbor did you speak with? \nWhich associates did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? You can not be one sided and only contact the financial institutions which if you did contact them this XXXX XXXX XXXX XXXX would not keep coming back as verified. If you can not provide me with proof such as a tracking number that you EXPERIAN attempted to lawfully validate if XXXX indeed had my consent prior to furnishing this PUBLIC RECORD this has been a fraudulent furnished PUBLIC RECORD with forethought and malice as an attempt to bring harm to me and my financial reputation. Furthermore A consumer reporting agency may only decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that the information was blocked in error or a block was requested by the consumer in error. THIS IS NOT A ERROR I DEMAND THAT YOU BLOCK XXXX XXXX XXXX  XXXX XXXX. Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; AS OF XXXX XXXX EXPERIAN IS ALREADY IN A FEW THOUSANDS WORTH OF VIOLATIONS FOR EVERYTIME YOU HAVE VERIFED THIS FRAUDULENT FURNISH PUBLC RECORD AS ACCURATE. KEEP IN MIND THAT THIS IS A PATTERN of violations. The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation","date_sent_to_company":"2022-06-24T19:38:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"5706548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-24T19:38:48.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["THE <em>CREDIT</em> GRANTOR REQUESTS THAT YOU <em>CONTACT</em> <em>THEM</em> DIRECTLY.- I have <em>contacted</em> the third party directly and XXXX has seen DELETE this <em>BANKRUPTCY</em> FROM THEIR DATABASE which I have also provide because XXXX never had my written consent to furnish it."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.260724,"5706548"]},{"_index":"complaint-public-v1","_id":"5706549","_score":14.253435,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX, a Federal protected consumer, and I am making this complaint against EXPERIAN for failure to investigate with fair and accuracy. I recently disputed the XXXX XXXX XXXX XXXX XXXX that EXPERIAN is reporting on my consumer report without my permission and XXXX outcome Remains : The company that reported the information has certified to Experian that the info is accurate. Who is the company? On your website it shows that XXXX is the third party vendor and I have mailed and attached correspondence showing that XXXX has deleted this bankruptcy from their database. I have provided EXPERIAN with proof that this PUBLIC RECORD was FRAUDULENTLY FURNISHED by attaching a FTC and by mailing correspondence to EXPERIAN certified mail. EXPERIAN has responded back by stated \" our investigation of the dispute ( s ) and/or other request you recently submitted is now complete. If an item you disputed is not in the list of result below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. EXPERIAN also stated \" IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY.- I have contacted the third party directly and XXXX has seen DELETE this BANKRUPTCY FROM THEIR DATABASE which I have also provide because XXXX never had my written consent to furnish it. EXPERIAN ALSO STATED THAT \" BANKRUPTCIES AND CHILD SUPPORT DEBT typically do not result from FRAUDULENT ACTIVITIES ; If BANKRUPTCY DEBT typically do not result from FRAUDLENT ACTIVITES EXPERIAN would be saying that I gave permission to XXXX to furnish this information which I did not and the result of me not giving my consent to XXXX they had to remove it from their database. EXPERIAN stated that \" WE ARE REQUESTING ADDITIONAL INFORMATION THAT YOU MUST PROVIDE IN ORDER FOR US TO ACT ON YOUR REQUEST. I have provided EXPERIAN additional information several times in CFPB COMPLAINT # XXXX, # XXXX, # XXXX, # XXXX AND # XXXX. I have mailed correspondence to EXPERIAN with copies of the FTC report and correspondence from their third party vendor XXXX showing this PUBLIC RECORD was fraudulently furnished several times. EXPERIAN IS REQUEST THAT I SEND A COPY OF MY GOVERMENT ISSUED IDENTIFICATION CARD OR A UTILITY BILL. I have provided this to EXPERIAN already before though XXXX also in previous complaints. They are also requesting that I include the following identification information : My full name including middle initial which is on my government issued identification card. I have provide my social security number in previous attachment also with correspondence that has been mailed to them. I have also identified that my address has been the same sine XXXX. XXXX committed identity theft because I never gave XXXX ANY permission to use any of my identifying information. EXPERIAN continues to invade my privacy by committing abusive, deceptive and unfair creidt reporting. Federal law states that a consumer reporting agency shall block the reporting of ANY information in the file of a CONSUMER that the CONSUMER IDENTIFIES as INFORMATION that resulted from an alleged IDENTITY THEFT, not LATER than 4 business days after the date of receipt by such agency of a copy of an identity theft report ; I XXXX XXXX a FEDERALLY PROTECED CONSUMER IDENTIFY that the XXXX XXXXXXXX XXXX XXXX  XXXX was a result from an ALLEGED IDENTITY THEFT. I XXXX XXXX provided proof of the alleged IDENTITY THEFT. PLEASE explain why this information is still reporting and why EXPERIAN THINKS they can make a decision on what reports on my consumer report after I have told and provided proof that the XXXX XXXX XXXX XXXX XXXX was fraudulently furnished. It is my belief that EXPERIAN are attempting to furnish false and deceptive forms. EXPERIAN has committed multiple violations under the FCRA by furnishing this PUBLIC RECORD that I have identified several times as identity theft. EXPERIAN refuse to BLOCK this PUBLIC RECORD from my consumer report as if that has a option to do so. Maybe you misunderstood me telling you to remove this XXXX XXXX XXXX XXXX XXXX from my consumer report because I never gave you my written consent to furnish it in the first place. You have failed to provide me with your method of verification. If this public record information was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigated consumer report, I am also exercising my rights under 15 U.S.C 1681 ( a ) ( e ). I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished the information. Pursuant to 15 U.S.C 1681a ( e ) I am demanding the following : Which neighbor did you speak with? \nWhich associates did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? You can not be one sided and only contact the financial institutions which if you did contact them this XXXX XXXX XXXX XXXX would not keep coming back as verified. If you can not provide me with proof such as a tracking number that you EXPERIAN attempted to lawfully validate if XXXX indeed had my consent prior to furnishing this PUBLIC RECORD this has been a fraudulent furnished PUBLIC RECORD with forethought and malice as an attempt to bring harm to me and my financial reputation. Furthermore A consumer reporting agency may only decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that the information was blocked in error or a block was requested by the consumer in error. THIS IS NOT A ERROR I DEMAND THAT YOU BLOCK XXXX XXXX XXXX  XXXX.In general. Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; AS OF XXXX XXXX EXPERIAN IS ALREADY IN A FEW THOUSANDS WORTH OF VIOLATIONS FOR EVERYTIME YOU HAVE VERIFED THIS FRAUDULENT FURNISH PUBLC RECORD AS ACCURATE. KEEP IN MIND THAT THIS IS A PATTERN of violations. The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation","date_sent_to_company":"2022-06-24T19:38:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"5706549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-24T19:38:48.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["THE <em>CREDIT</em> GRANTOR REQUESTS THAT YOU <em>CONTACT</em> <em>THEM</em> DIRECTLY.- I have <em>contacted</em> the third party directly and XXXX has seen DELETE this <em>BANKRUPTCY</em> FROM THEIR DATABASE which I have also provide because XXXX never had my written consent to furnish it."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.253435,"5706549"]},{"_index":"complaint-public-v1","_id":"2757642","_score":14.116547,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, at some point after signing the documents the financing of the vehicle was turned over to XXXX XXXX, in early XXXX, XXXX XXXX reported a payment as more than 30 days late despite the problem being their fault. Specifically, my wife paid the bills through her account including the car note. My name appears first on the paperwork, but also includes my wife nevertheless, one payment was processed by XXXX XXXX in my name, but through my wife 's account at XXXX  XXXX XXXX, where I do not bank. The payment came back stating that the account could not be located. When my wife received the email from XXXX XXXX, I called them immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our credit report. Thus, I contacted the bureau to dispute the accuracy of the account. The Bureaus, reported it as disputed but did not include my personal statement, and did not contact my wife and I about the results of our dispute. We were coming out of Bankruptcy and trying to buy a home through HUD 's \" back to work program '', this was a barrier that could not be overcome. We tried to get a pay-off from XXXX XXXX, but they refused to provide us with a pay-off. We went to the dealership to get rid of the car and was told they would get the pay-off. We ended up purchasing a XXXX XXXX XXXX, putting down {$10000.00}, which changed to {$16000.00}. Because of air quality problems with the car we did n't want to take possession of the car until we moved into our new home the dealership and us agreed to allow this and we insured both vehicles, since the papers were signed and down payment was paid by cashier 's check, we thought the deal was fully consummated receiving our account number with the new bank XXXX XXXX, and speaking with them several times. We still do n't know exactly what is going on, but XXXX XXXX filed suit with our state court in Pennsylvania. But even prior to the suit we paid the account current to avoid any problems with the deal for the new car. We were forced to file bankruptcy as we did n't know what was going on and money was running low. So we contacted the attorney for XXXX XXXX about the payments and the dealership and XXXX XXXX. The lawyer told us that she was no longer on the case and that we should contact XXXX XXXX directly. We contacted both XXXX XXXX and XXXX XXXX. XXXX XXXX either blocked us from calling or changed their number, while XXXX XXXX keeps saying that our account is handled by someone else the number given no one ever answers. Despite all of this they keep reporting our account as delinquent not acknowledging our payment, although they have accepted it. They have not returned the payment either. When my credit scored dropped is essentially put my VA loan on hold and we stand to be homeless in a matter of 5 days.","date_sent_to_company":"2017-12-17T13:40:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19002","tags":"Servicemember","has_narrative":true,"complaint_id":"2757642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-17T12:36:32.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["When my wife received the email from XXXX XXXX, I called <em>them</em> immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our <em>credit</em> <em>report</em>. Thus, I <em>contacted</em> the bureau to dispute the accuracy of the account. The Bureaus, <em>reported</em> it as disputed but did not include my personal statement, and did not <em>contact</em> my wife and I about the results of our dispute."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.116547,"2757642"]},{"_index":"complaint-public-v1","_id":"13097008","_score":13.092645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Equifax and TransUnion Dear Sir or Madam : I am the victim of identity theft. An unknown person got an apartment in my name, opened a XXXX credit card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in bankruptcy. Your Bankruptcy case number is XXXX. All charges were unauthorized, and I did not make them. I did not authorize any transactions on or after this date, XX/XX/XXXX. I did not authorize anyone to get credit in my name. This is a matter of utmost urgency. Please fix my credit immediately.\n\nThis letter will serve as a demand letter/intent to sue notice required by my county. On XX/XX/XXXX, I sent you a certified package. XXXX  Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. The following accounts were listed : Your records will show that I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Equifax, Experian, and TransUnion. I was advised that these items would be removed, and they have been removed. Six months later, it was put back on my credit report. Even though it is an identity theft claim, a 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.\n\nOnce those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this Section; and ( 4 ) of the effective dates of the block.\n\nIf Equifax Experian and TransUnion decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. \nOn XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Equifax Experian and TransUnion have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Equifax, Experian, and TransUnion said a dispute would be initiated and provided the Furnishers with the supported document. \nDespite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided.\n\nDespite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. \nIf we fail to come to a resolution the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after the reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. \nI will also be seeking damages for failing to forward supporting documentation to creditors. I have given you a lease agreement stating that I have lived and resided in XXXX, Ohio, for 32 years ; I do not reside in XXXX XXXX XXXX \n\nXXXX XXXX XXXX  was included in a Bankruptcy XXXX. \n\nXXXX letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion were sent. \n\nXXXX XXXX XXXX XXXX received a letter verifying that my account was fraudulent, and I will request that the information be deleted from my files. How can I live in two places at the same time? The rental lease is attached. I can not live in two places at the same time. \n\nXXXX XXXX XXXX  : This account was opened fraudulently, and I am requesting that information be deleted from my files again. How can I live in XXXX XXXX XXXX  and XXXX, Ohio, with a lease attached? This does not make any sense. \nNote that all the above items returned as verified after you allegedly contacted each creditor directly and sent documents supporting my claim. I will ask for {$1000.00} for each creditor that I disputed and was subsequently removed because of the information I provided on my own. The same documentation that was in your possession at the time of my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in total fines and the removal of the accounts identified as identity theft on the theft report and the police report. \nThe following fraudulent accounts are still listed on my report : XXXX XXXXXXXX included in a bankruptcy, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are XXXX  XXXX XXXX XXXX  I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 96-hour time frame, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. \nI look forward to hearing from you.","date_sent_to_company":"2025-04-21T19:50:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":"Older American","has_narrative":true,"complaint_id":"13097008","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-21T19:50:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An unknown person got an apartment in my name, opened a XXXX <em>credit</em> card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in <em>bankruptcy</em>. Your <em>Bankruptcy</em> case number is XXXX. All charges were unauthorized, and I did not make <em>them</em>. I did not authorize any transactions on or <em>after</em> this date, XX/XX/XXXX. I did not authorize anyone to get <em>credit</em> in my name. This is a matter of utmost urgency. Please fix my <em>credit</em> immediately."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.092645,"13097008"]},{"_index":"complaint-public-v1","_id":"13097007","_score":13.070825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Equifax and TransUnion Dear Sir or Madam : I am the victim of identity theft. An unknown person got an apartment in my name, opened a XXXX credit card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in bankruptcy. Your Bankruptcy case number is XXXX. All charges were unauthorized, and I did not make them. I did not authorize any transactions on or after this date, XX/XX/XXXX. I did not authorize anyone to get credit in my name. This is a matter of utmost urgency. Please fix my credit immediately.\n\nThis letter will serve as a demand letter/intent to sue notice required by my county. On XX/XX/XXXX, I sent you a certified package. XXXX  Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. The following accounts were listed : Your records will show that I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Equifax, Experian, and TransUnion. I was advised that these items would be removed, and they have been removed. Six months later, it was put back on my credit report. Even though it is an identity theft claim, a 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.\n\nOnce those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this Section; and ( 4 ) of the effective dates of the block.\n\nIf Equifax Experian and TransUnion decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. \nOn XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Equifax Experian and TransUnion have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Equifax, Experian, and TransUnion said a dispute would be initiated and provided the Furnishers with the supported document. \nDespite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided.\n\nDespite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. \nIf we fail to come to a resolution the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after the reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. \nI will also be seeking damages for failing to forward supporting documentation to creditors. I have given you a lease agreement stating that I have lived and resided in XXXX, Ohio, for 32 years ; I do not reside in XXXX XXXX XXXX \n\nXXXX XXXX XXXX  was included in a Bankruptcy XXXX. \n\nXXXX letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion were sent. \n\nXXXX XXXX XXXX XXXX received a letter verifying that my account was fraudulent, and I will request that the information be deleted from my files. How can I live in two places at the same time? The rental lease is attached. I can not live in two places at the same time. \n\nXXXX XXXX XXXX  : This account was opened fraudulently, and I am requesting that information be deleted from my files again. How can I live in XXXX XXXX XXXX  and XXXX, Ohio, with a lease attached? This does not make any sense. \nNote that all the above items returned as verified after you allegedly contacted each creditor directly and sent documents supporting my claim. I will ask for {$1000.00} for each creditor that I disputed and was subsequently removed because of the information I provided on my own. The same documentation that was in your possession at the time of my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in total fines and the removal of the accounts identified as identity theft on the theft report and the police report. \nThe following fraudulent accounts are still listed on my report : XXXX XXXXXXXX included in a bankruptcy, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are XXXX  XXXX XXXX XXXX  I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 96-hour time frame, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. \nI look forward to hearing from you.","date_sent_to_company":"2025-04-21T19:50:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":"Older American","has_narrative":true,"complaint_id":"13097007","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-21T19:50:07.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An unknown person got an apartment in my name, opened a XXXX <em>credit</em> card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in <em>bankruptcy</em>. Your <em>Bankruptcy</em> case number is XXXX. All charges were unauthorized, and I did not make <em>them</em>. I did not authorize any transactions on or <em>after</em> this date, XX/XX/XXXX. I did not authorize anyone to get <em>credit</em> in my name. This is a matter of utmost urgency. Please fix my <em>credit</em> immediately."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.070825,"13097007"]},{"_index":"complaint-public-v1","_id":"13097064","_score":13.061546,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Equifax and TransUnion Dear Sir or Madam : I am the victim of identity theft. An unknown person got an apartment in my name, opened a XXXX credit card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in bankruptcy. Your Bankruptcy case number is XXXX. All charges were unauthorized, and I did not make them. I did not authorize any transactions on or after this date, XX/XX/XXXX. I did not authorize anyone to get credit in my name. This is a matter of utmost urgency. Please fix my credit immediately.\n\nThis letter will serve as a demand letter/intent to sue notice required by my county. On XX/XX/XXXX, I sent you a certified package. XXXX  Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. The following accounts were listed : Your records will show that I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Equifax, Experian, and TransUnion. I was advised that these items would be removed, and they have been removed. Six months later, it was put back on my credit report. Even though it is an identity theft claim, a 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.\n\nOnce those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this Section; and ( 4 ) of the effective dates of the block.\n\nIf Equifax Experian and TransUnion decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. \nOn XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Equifax Experian and TransUnion have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Equifax, Experian, and TransUnion said a dispute would be initiated and provided the Furnishers with the supported document. \nDespite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided.\n\nDespite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. \nIf we fail to come to a resolution the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after the reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. \nI will also be seeking damages for failing to forward supporting documentation to creditors. I have given you a lease agreement stating that I have lived and resided in XXXX, Ohio, for 32 years ; I do not reside in XXXX XXXX XXXX \n\nXXXX XXXX XXXX  was included in a Bankruptcy XXXX. \n\nXXXX letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion were sent. \n\nXXXX XXXX XXXX XXXX received a letter verifying that my account was fraudulent, and I will request that the information be deleted from my files. How can I live in two places at the same time? The rental lease is attached. I can not live in two places at the same time. \n\nXXXX XXXX XXXX  : This account was opened fraudulently, and I am requesting that information be deleted from my files again. How can I live in XXXX XXXX XXXX  and XXXX, Ohio, with a lease attached? This does not make any sense. \nNote that all the above items returned as verified after you allegedly contacted each creditor directly and sent documents supporting my claim. I will ask for {$1000.00} for each creditor that I disputed and was subsequently removed because of the information I provided on my own. The same documentation that was in your possession at the time of my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in total fines and the removal of the accounts identified as identity theft on the theft report and the police report. \nThe following fraudulent accounts are still listed on my report : XXXX XXXXXXXX included in a bankruptcy, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are XXXX  XXXX XXXX XXXX  I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 96-hour time frame, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. \nI look forward to hearing from you.","date_sent_to_company":"2025-04-21T19:50:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":"Older American","has_narrative":true,"complaint_id":"13097064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-21T19:17:38.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["An unknown person got an apartment in my name, opened a XXXX <em>credit</em> card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in <em>bankruptcy</em>. Your <em>Bankruptcy</em> case number is XXXX. All charges were unauthorized, and I did not make <em>them</em>. I did not authorize any transactions on or <em>after</em> this date, XX/XX/XXXX. I did not authorize anyone to get <em>credit</em> in my name. This is a matter of utmost urgency. Please fix my <em>credit</em> immediately."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.061546,"13097064"]},{"_index":"complaint-public-v1","_id":"6021043","_score":12.167182,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than 5 time asset. \n\nXXXXXXXXXXXX XXXX has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXXXXXX XXXX ( XXXX ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXXXXXX XXXX has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXXXXXX XXXX to increase the credit line, nor XXXXXXXX XXXX asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXXXXXX XXXX. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXXXXXX XXXX {$10000.00} nor XXXXXXXX XXXX  offered me {$10000.00} during the bankruptcy. As you can see XXXXXXXX XXXX has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXXXXXX XXXX never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \ne. XXXXXXXX XXXX suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nf. XXXXXXXX XXXX never paid any insurance of property taxes especially criminally caused and created by XXXXXXXX XXXX \ng. I have been paying all the insurance and taxes by myself all the time for the past XXXX years. \nh. I spoke to managers and bankers of local XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXXXXXX XXXX is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXXXXXX XXXX mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX XXXX \nXXXX XXXXXXXX XXXX  illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. \nXXXX XXXXXXXX XXXX must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXXXXXX XXXX has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXXXXXX XXXX  collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXXXXXX XXXX has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \no. XXXXXXXX XXXX ask me to contact Escrow department or legal Department of XXXXXXXX XXXX, but they have never taken any of my phone calls. \n\nXXXX XXXXXXXX XXXX has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXXXXXX XXXX has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXXXXXX XXXX vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, XXXX I already had XXXX landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXXXXXX XXXX XXXX These criminal acts of XXXX XXXX internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXXXXXX XXXX malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top manager of XXXXXXXX XXXX XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXXXXXX XXXX computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top manager notified me that the XXXXXXXX XXXX XXXXXXXX banking system was so outdated, irreparable, or unfixable. XXXXXXXX XXXX must purchase a new system. \nd. But XXXX Bank XXXX not have enough money to buy a new system and the XXXX Bank XXXX bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over XXXX at the time and my XXXX XXXX was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than XXXX times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my XXXX XXXX was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at XXXX XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX XXXX XXXX XXXX Bank didnt clear my lien XXXX paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal XXXX banking XXXX XXXX \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial XXXX destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check Federal Bankruptcy Court record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my 2 bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy three lawyers, a. 1st lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. Two attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy Court. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank Consumer Advocacy Specialist on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX was denying everything saying XXXX Bank wont do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by Federal Bankruptcy Court. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form 1099-C, XXXX. Amount of Debt discharged {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXXXXXX XXXX Credit Department and Escrow Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the Tax saving purpose which XXXX Bank made XXXX of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis one show, how XXXX bank has been doing wrong again and again. This is another criminal act beside Collection attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021043","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I was released from XXXX <em>Bankruptcy</em> <em>after</em> XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.167182,"6021043"]},{"_index":"complaint-public-v1","_id":"6021039","_score":11.783701,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX  Discrimnatory & maliciously took my more than XXXX time asset. \n\nXXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \nXXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nXXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank. \ng. I have been paying all the insurance and taxes by myself all the time for the past 38 years. \nh. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank. \nXXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. \nXXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank Credit Department and Escrow Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \nXXXX XXXX Bank ask me to contact Escrow department or legal Department of XXXX Bank, but they have never taken any of my phone calls. \n\nXXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, c. I already had three landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top manager of XXXX Bank XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top manager notified me that the XXXX Bank Computer banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system. \nd. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank was bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over 30years at the time and my credit score was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than 5.5 times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my credit score was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at the XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX Even today XXXX Bank didnt clear my lien already paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal criminal banking business . \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX criminally for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial assassination destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check XXXX Bankruptcy XXXX record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy XXXX lawyers, a. XXXX lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. XXXX attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by Federal Bankruptcy Court. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made 5.5times of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I was released from XXXX <em>Bankruptcy</em> <em>after</em> XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> 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