{"took":153,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17820735","_score":26.160763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is reporting my XXXX  XXXX bankruptcy filed on XX/XX/XXXX, but the reporting is incomplete and misleading. My case ( reference number XXXX ) was dismissed by the U.S. Bankruptcy Court on XX/XX/XXXX. No repayment plan was confirmed, no confirmation hearing resulted in approval, and no debts were discharged.\n\nUnder the FCRA, public record information must be accurate, complete, and fully verifiable. Equifax is not reporting the dismissal date, is not showing that no plan was ever confirmed, and is not reporting that no debts were discharged. This creates a misleading and inaccurate record of the legal status of my bankruptcy. \n\nI requested reinvestigation, but Equifax did not correct the reporting. If Equifax can not verify ALL dismissal details directly with the U.S. Bankruptcy Court for the XXXX XXXX of Louisiana, the public record entry must be removed entirely.","date_sent_to_company":"2025-12-08T06:16:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"17820735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-08T06:13:54.000Z","state":"LA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["This creates a misleading and inaccurate record of the legal status of my <em>bankruptcy</em>. \n\nI requested reinvestigation, but Equifax did not correct the reporting. If Equifax can not verify ALL dismissal details directly with the U.S. <em>Bankruptcy</em> <em>Court</em> for the <em>XXXX</em> <em>XXXX</em> of <em>Louisiana</em>, the public record <em>entry</em> must be removed entirely."]},"sort":[26.160763,"17820735"]},{"_index":"complaint-public-v1","_id":"17820706","_score":25.815004,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting my XXXX  XXXX bankruptcy filed on XX/XX/XXXX, but the reporting is incomplete and misleading. My case ( reference number XXXX ) was dismissed by the U.S. Bankruptcy Court on XX/XX/XXXX. No repayment plan was ever confirmed, no confirmation hearing resulted in approval, and no debts were discharged. \n\nUnder the Fair Credit Reporting Act, public record information must be accurate, complete, and verifiable. TransUnion is not showing the dismissal date, the lack of a confirmed plan, or the fact that no discharge occurred. This creates a misleading impression of the legal status of the bankruptcy. \n\nI previously requested reinvestigation, but TransUnion did not correct the reporting. If TransUnion can not verify all required dismissal details directly with the U.S. Bankruptcy Court for the XXXX XXXX of Louisiana, the bankruptcy entry must be removed entirely.","date_sent_to_company":"2025-12-08T06:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"17820706","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-08T06:11:04.000Z","state":"LA","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":["This creates a misleading impression of the legal status of the <em>bankruptcy</em>. \n\nI previously requested reinvestigation, but TransUnion did not correct the reporting. If TransUnion can not verify all required dismissal details directly with the U.S. <em>Bankruptcy</em> <em>Court</em> for the <em>XXXX</em> <em>XXXX</em> of <em>Louisiana</em>, the <em>bankruptcy</em> <em>entry</em> must be removed entirely."]},"sort":[25.815004,"17820706"]},{"_index":"complaint-public-v1","_id":"12839457","_score":17.893127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CEASE AND DESIST LETTER Unlawful Reporting of Bankruptcy Information in Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Dear Equifax , Transunion , Experian I am writing to formally demand that you **immediately cease and desist** from unlawfully reporting bankruptcy information pertaining to XXXX XXXX ( XXXX, XXXX ). This letter serves as notice that your continued reporting of such information without proper verification from the court constitutes a **willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. ** # # # **Legal Violations & Basis for Demand** XXXX. **Failure to Verify XXXXy Information ( 15 U.S.C . 1681e ( b ) ) ** - Under **15 U.S.C. 1681e ( b ) **, consumer reporting agencies must **follow reasonable procedures to ensure maximum possible accuracy** of reported information. \n- The XXXX Bankruptcy XXXX for the Western District of Louisiana XXXX XXXX XXXX XXXX has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX XXXX XXXX XXXXXXXX and has **not verified any accounts** with your agencies. \n- By failing to obtain direct court verification before reporting bankruptcy information, you have violated your duty under 1681e ( b ).\n\n2. **Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) ** - If a consumer disputes information, ** 1681i ( a ) ( 1 ) ( A ) ** requires you to conduct a **reasonable reinvestigation** and **delete inaccurate, incomplete, or unverifiable information** within 30 days. \n- If you previously received a dispute regarding this bankruptcy, your failure to remove it after confirmation from the court that **no verification was provided** constitutes a further violation. \n\nXXXX. XXXX XXXX Supporting This Position** - **Cushman v. TransUnion Corp.XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must verify disputed items with XXXX XXXX ( e.g., courts ) rather than relying on unreliable third-party data. \n- **Henson XXXX CSC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs have an obligation to ensure **maximum possible accuracy** and can not rely on unverified data. \n\n**Demand for Immediate Action** Pursuant to **15 U.S.C. 1681i**, you are **required** to : XXXX. **Immediately remove all bankruptcy-related entries** associated with XXXX XXXX from all credit files.\n\n2. **Provide written confirmation** of deletion within XXXX days** of receiving this letter. \nXXXX. **Cease any further reporting** of this unverified bankruptcy information. \n\n**Notice of Intent to Pursue Legal Remedies** If you fail to comply with this demand, I will have no choice but to : - File a formal complaint with the XXXX XXXX XXXX XXXX XXXX CFPB XXXX **. \n- Pursue legal action for **willful noncompliance under 15 U.S.C. 1681n**, which allows for **statutory damages ( $ XXXX {$1000.00} per violation ), punitive damages, and attorneys fees**. \n\nThis letter serves as **pre-litigation notice**. Any further violations will be met with swift legal action.","date_sent_to_company":"2025-04-05T18:32:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"12839457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-05T18:31:38.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["- The <em>XXXX</em> <em>Bankruptcy</em> <em>XXXX</em> for the Western District of <em>Louisiana</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX and has **not verified any accounts** with your agencies. \n- By failing to obtain direct <em>court</em> verification before reporting <em>bankruptcy</em> information, you have violated your duty under 1681e ( b ).\n\n2."]},"sort":[17.893127,"12839457"]},{"_index":"complaint-public-v1","_id":"12837811","_score":17.877085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CEASE AND DESIST LETTER Unlawful Reporting of Bankruptcy Information in Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Dear Equifax , Transunion , Experian I am writing to formally demand that you **immediately cease and desist** from unlawfully reporting bankruptcy information pertaining to XXXX XXXX ( XXXX, XXXX ). This letter serves as notice that your continued reporting of such information without proper verification from the court constitutes a **willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. ** # # # **Legal Violations & Basis for Demand** XXXX. **Failure to Verify XXXXy Information ( 15 U.S.C . 1681e ( b ) ) ** - Under **15 U.S.C. 1681e ( b ) **, consumer reporting agencies must **follow reasonable procedures to ensure maximum possible accuracy** of reported information. \n- The XXXX Bankruptcy XXXX for the Western District of Louisiana XXXX XXXX XXXX XXXX has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX XXXX XXXX XXXXXXXX and has **not verified any accounts** with your agencies. \n- By failing to obtain direct court verification before reporting bankruptcy information, you have violated your duty under 1681e ( b ).\n\n2. **Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) ** - If a consumer disputes information, ** 1681i ( a ) ( 1 ) ( A ) ** requires you to conduct a **reasonable reinvestigation** and **delete inaccurate, incomplete, or unverifiable information** within 30 days. \n- If you previously received a dispute regarding this bankruptcy, your failure to remove it after confirmation from the court that **no verification was provided** constitutes a further violation. \n\nXXXX. XXXX XXXX Supporting This Position** - **Cushman v. TransUnion Corp.XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must verify disputed items with XXXX XXXX ( e.g., courts ) rather than relying on unreliable third-party data. \n- **Henson XXXX CSC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs have an obligation to ensure **maximum possible accuracy** and can not rely on unverified data. \n\n**Demand for Immediate Action** Pursuant to **15 U.S.C. 1681i**, you are **required** to : XXXX. **Immediately remove all bankruptcy-related entries** associated with XXXX XXXX from all credit files.\n\n2. **Provide written confirmation** of deletion within XXXX days** of receiving this letter. \nXXXX. **Cease any further reporting** of this unverified bankruptcy information. \n\n**Notice of Intent to Pursue Legal Remedies** If you fail to comply with this demand, I will have no choice but to : - File a formal complaint with the XXXX XXXX XXXX XXXX XXXX CFPB XXXX **. \n- Pursue legal action for **willful noncompliance under 15 U.S.C. 1681n**, which allows for **statutory damages ( $ XXXX {$1000.00} per violation ), punitive damages, and attorneys fees**. \n\nThis letter serves as **pre-litigation notice**. Any further violations will be met with swift legal action.","date_sent_to_company":"2025-04-05T18:32:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"12837811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-05T18:31:38.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["- The <em>XXXX</em> <em>Bankruptcy</em> <em>XXXX</em> for the Western District of <em>Louisiana</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX and has **not verified any accounts** with your agencies. \n- By failing to obtain direct <em>court</em> verification before reporting <em>bankruptcy</em> information, you have violated your duty under 1681e ( b ).\n\n2."]},"sort":[17.877085,"12837811"]},{"_index":"complaint-public-v1","_id":"12834520","_score":17.795425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CEASE AND DESIST LETTER Unlawful Reporting of Bankruptcy Information in Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Dear Equifax , Transunion , Experian I am writing to formally demand that you **immediately cease and desist** from unlawfully reporting bankruptcy information pertaining to XXXX XXXX ( XXXX, XXXX ). This letter serves as notice that your continued reporting of such information without proper verification from the court constitutes a **willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. ** # # # **Legal Violations & Basis for Demand** XXXX. **Failure to Verify XXXXy Information ( 15 U.S.C . 1681e ( b ) ) ** - Under **15 U.S.C. 1681e ( b ) **, consumer reporting agencies must **follow reasonable procedures to ensure maximum possible accuracy** of reported information. \n- The XXXX Bankruptcy XXXX for the Western District of Louisiana XXXX XXXX XXXX XXXX has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX XXXX XXXX XXXXXXXX and has **not verified any accounts** with your agencies. \n- By failing to obtain direct court verification before reporting bankruptcy information, you have violated your duty under 1681e ( b ).\n\n2. **Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) ** - If a consumer disputes information, ** 1681i ( a ) ( 1 ) ( A ) ** requires you to conduct a **reasonable reinvestigation** and **delete inaccurate, incomplete, or unverifiable information** within 30 days. \n- If you previously received a dispute regarding this bankruptcy, your failure to remove it after confirmation from the court that **no verification was provided** constitutes a further violation. \n\nXXXX. XXXX XXXX Supporting This Position** - **Cushman v. TransUnion Corp.XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must verify disputed items with XXXX XXXX ( e.g., courts ) rather than relying on unreliable third-party data. \n- **Henson XXXX CSC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs have an obligation to ensure **maximum possible accuracy** and can not rely on unverified data. \n\n**Demand for Immediate Action** Pursuant to **15 U.S.C. 1681i**, you are **required** to : XXXX. **Immediately remove all bankruptcy-related entries** associated with XXXX XXXX from all credit files.\n\n2. **Provide written confirmation** of deletion within XXXX days** of receiving this letter. \nXXXX. **Cease any further reporting** of this unverified bankruptcy information. \n\n**Notice of Intent to Pursue Legal Remedies** If you fail to comply with this demand, I will have no choice but to : - File a formal complaint with the XXXX XXXX XXXX XXXX XXXX CFPB XXXX **. \n- Pursue legal action for **willful noncompliance under 15 U.S.C. 1681n**, which allows for **statutory damages ( $ XXXX {$1000.00} per violation ), punitive damages, and attorneys fees**. \n\nThis letter serves as **pre-litigation notice**. Any further violations will be met with swift legal action.","date_sent_to_company":"2025-04-05T18:32:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"12834520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-05T18:08:25.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["- The <em>XXXX</em> <em>Bankruptcy</em> <em>XXXX</em> for the Western District of <em>Louisiana</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX and has **not verified any accounts** with your agencies. \n- By failing to obtain direct <em>court</em> verification before reporting <em>bankruptcy</em> information, you have violated your duty under 1681e ( b ).\n\n2."]},"sort":[17.795425,"12834520"]},{"_index":"complaint-public-v1","_id":"7842049","_score":17.000801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX : XX/XX/1959 Subject : Bankruptcy Account ( s ) Dispute Letter FCRA Violation Reference : Reference # XXXX, Reference # XXXX Notice to Agent is Notice in Principle- Notice to Principle is Notice to Agent. \n\nTo Whom it May Concern : This Formal dispute letter serves you company in connection with violations of the Fair Credit Reporting Act 15 U.S.C. 1681. Seq ( hereafter FCRA which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair Practice. \nI. What your Company need to know 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) contained in my credit/consumer files. See Above Reference Account ( s ) : 2. I carefully investigated this incident the u S Bankruptcy court never provided any information to your company, nor do they validate and/or confirm public records. \nXXXX. The public records information is never validated by the Recorder of Deeds nor the U. S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law.\n\n4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer credit report neither will they ever be by them. They further sated while they are not liable or responsible for any misuse of incorrect public records nor the distribution of said information. public records may and oftentimes are reported by third parties sources unaware to the consumer, and in most cases incorrectly. \n5. Your Company reported unverified derogatory information to my consumer/credit report.\n\n6. Your Company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. If the CRA can not validate the information with the information furnisher. CRA must remove said information from the consumer file.\n\n7. According to the FCRA. I have the right to an accurate consumer/credit report.\n\nII. Demand : You are placed on notice that you have multiple violations of the FCRA and in a reasonable effort to resolve this matter amicably. I demand the following.\n\n1. Considering the information indicating a FCRA Violation, ( I need ALL bankruptcy information currently showing under my Social Security Number ( SSN ) to be permanently deleted from my consumer/credit report immediately. See Above Reference Account ( s ) : 2. I demand the immediate and permanent deletion of all/any derogatory information and marks from my consumer/credit report. \nXXXX. I request you to provide me with a copy of my new consumer/credit report reflecting information removed upon completion. \nBe Advised, your actions give rise to a viable claim for federal action for violations of the FCRA. As such I advise that you comply with my demands and avoid ligation against your company. \nFailure to comply with the aforementioned demand within thirty ( 30 ) days from the date of this letter will result in a lawsuit being filed against you. I have consulted with the attorney regarding my available options and avenues of redness, and he is prepared to take swift action in the matter. \nPlease note that this letter constitutes a notice of intent to sue and any and all documents including electronically stored communications relating to me and any potential claims I may have should be preserved to every extent possible. \nI know that your company will send some sort of verification to prove my identity. My information is clearly shown above below. \n\nGovern yourself accordingly. \nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2023-11-13T17:38:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"701XX","tags":"Older American","has_narrative":true,"complaint_id":"7842049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2023-11-13T17:31:47.000Z","state":"LA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Louisiana</em> <em>XXXX</em> SS # <em>XXXX</em> <em>XXXX</em> : <em>XX/XX</em>/1959 Subject : <em>Bankruptcy</em> Account ( s ) Dispute Letter FCRA Violation Reference : Reference # <em>XXXX</em>, Reference # <em>XXXX</em> Notice to Agent is Notice in Principle- Notice to Principle is Notice to Agent. \n\nTo Whom it May Concern : This Formal dispute letter serves you company in connection with violations of the Fair Credit Reporting Act 15 U.S.C. 1681."]},"sort":[17.000801,"7842049"]},{"_index":"complaint-public-v1","_id":"7862422","_score":16.971941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX : XX/XX/1959 Subject : Bankruptcy Account ( XXXX ) Dispute Letter FCRA Violation Reference : Reference # XXXX, Reference # XXXX Notice to Agent is Notice in Principle- Notice to Principle is Notice to Agent. \n\nTo Whom it May Concern : This Formal dispute letter serves you company in connection with violations of the Fair Credit Reporting Act 15 U.S.C. 1681. Seq ( hereafter FCRA which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair Practice. \nI. What your Company need to know 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) contained in my credit/consumer files. See Above Reference Account ( s ) : 2. I carefully investigated this incident the u S Bankruptcy court never provided any information to your company, nor do they validate and/or confirm public records.\n\n3. The public records information is never validated by the Recorder of Deeds nor the U. S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law.\n\n4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer credit report neither will they ever be by them. They further sated while they are not liable or responsible for any misuse of incorrect public records nor the distribution of said information. public records may and oftentimes are reported by third parties sources unaware to the consumer, and in most cases incorrectly.\n\n5. Your Company reported unverified derogatory information to my consumer/credit report.\n\n6. Your Company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. If the CRA can not validate the information with the information furnisher. CRA must remove said information from the consumer file. \n7. According to the FCRA. I have the right to an accurate consumer/credit report.\n\nII. Demand : You are placed on notice that you have multiple violations of the FCRA and in a reasonable effort to resolve this matter amicably. I demand the following.\n\n1. Considering the information indicating a FCRA Violation, ( I need ALL bankruptcy information currently showing under my Social Security Number ( SSN ) to be permanently deleted from my consumer/credit report immediately. See Above Reference Account ( s ) : 2. I demand the immediate and permanent deletion of all/any derogatory information and marks from my consumer/credit report.\n\n3. I request you to provide me with a copy of my new consumer/credit report reflecting information removed upon completion.\n\nBe Advised, your actions give rise to a viable claim for federal action for violations of the FCRA. As such I advise that you comply with my demands and avoid ligation against your company. \nFailure to comply with the aforementioned demand within thirty ( 30 ) days from the date of this letter will result in a lawsuit being filed against you. I have consulted with the attorney regarding my available options and avenues of redness, and he is prepared to take swift action in the matter.\n\nPlease note that this letter constitutes a notice of intent to sue and any and all documents including electronically stored communications relating to me and any potential claims I may have should be preserved to every extent possible.\n\nI know that your company will send some sort of verification to prove my identity. My information is clearly shown above below. \n\nGovern yourself accordingly. \nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2023-11-15T18:40:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"701XX","tags":"Older American","has_narrative":true,"complaint_id":"7862422","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2023-11-15T18:36:38.000Z","state":"LA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Louisiana</em> <em>XXXX</em> SS # <em>XXXX</em> <em>XXXX</em> : <em>XX/XX</em>/1959 Subject : <em>Bankruptcy</em> Account ( <em>XXXX</em> ) Dispute Letter FCRA Violation Reference : Reference # <em>XXXX</em>, Reference # <em>XXXX</em> Notice to Agent is Notice in Principle- Notice to Principle is Notice to Agent. \n\nTo Whom it May Concern : This Formal dispute letter serves you company in connection with violations of the Fair Credit Reporting Act 15 U.S.C. 1681."]},"sort":[16.971941,"7862422"]},{"_index":"complaint-public-v1","_id":"13495563","_score":16.502087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & LEGAL DEMAND INACCURATE ADDRESSES, UNVERIFIED NEGATIVE ITEMS, AND UNAUTHORIZED INQUIRY To Whom It May Concern, I am issuing this formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple items currently reported on my credit file. These entries are inaccurate, unverifiable, or reported in violation of federal law and IRS regulations. Unless you can provide verifiable documentation, they must be permanently deleted to remain in compliance with the law. \nINCORRECT ADDRESSES MUST BE REMOVED The following addresses are not associated with me and must be immediately deleted from my file. Reporting false addresses is a violation of FCRA XXXX ( b ) and XXXX : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX These entries do not reflect any current or prior residence and pose a risk of fraudulent association or mislinked tradelines. \nDISPUTED NEGATIVE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : No documentation has been provided to verify this account. No balance, original agreement, or payment history has been produced. This violates FCRA 1681s-2 ( b ) and XXXX XXXX formatting standards for complete and accurate reporting. \nXXXX, XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : This entry is unverifiable and lacks both a reported balance and full account history. There is no proof of ownership, billing activity, or authorization to report under FCRA 1681i ( a ).\n\nNOTICE : CHARGE-OFF ACCOUNTS IRS MISCLASSIFICATION OF DEBT Per IRS Publication 4681, any canceled or charged-off debt of {$600.00} or more must be reported as canceled income using Form 1099-C and is no longer legally collectible. Reporting a charged-off account as due and collectible misrepresents its status and violates both FCRA 1681e ( b ) and IRS rules.\n\n\" A charged-off account, once canceled or forgiven, is classified as incomenot an enforceable obligation. Continuing to report such debts without proper documentation is financial misrepresentation. '' Unless you can provide proof that these debts were never canceled and that I owe them, they must be removed immediately.\n\nPUBLIC RECORD DISPUTE BANKRUPTCY U.S. Bankruptcy Court Reference # XXXX Date Filed/Reported : XX/XX/XXXX Status : XXXX XXXX Discharged Issue : No verification has been provided regarding the original sourcing of this record. As established by CFPB investigations, credit bureaus often rely on third-party vendors rather than official court recordsa violation of FCRA 1681i ( a ) if you can not demonstrate direct verification.\n\nIf you can not confirm this bankruptcy through direct communication with the court, it must be removed immediately. \nUNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me, and no permissible purpose exists under FCRA 1681b ( a ). Please provide documentation proving I gave explicit authorization. If no written consent can be verified, this inquiry must be permanently deleted. \nFORMAL DEMAND FOR ACTION I am demanding the following be completed within 10 calendar days of receipt of this letter : 1. Permanently delete all incorrect addresses listed above 2. Remove all unverifiable charge-off accounts 3. Delete the unauthorized hard inquiry 4. Purge the public bankruptcy record unless verified with the original court 5. Send a written reinvestigation summary and updated credit report per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION If you fail to resolve this dispute properly and in full compliance with federal law, I will file : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A violation report to the Federal Trade Commission ( FTC ) A complaint with the Louisiana Attorney General A civil lawsuit seeking damages under FCRA 1681n and 1681o Do not respond with stall letters or boilerplate responses. I am lawfully exercising my right to dispute all inaccurate, unverifiable, or unauthorized information using my own resources and/or third-party assistance, as protected under federal law. \nSincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File","date_sent_to_company":"2025-05-14T05:00:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"13495563","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-14T02:49:02.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Purge the public <em>bankruptcy</em> record unless verified with the original <em>court</em> 5."]},"sort":[16.502087,"13495563"]},{"_index":"complaint-public-v1","_id":"13498097","_score":16.445395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & LEGAL DEMAND INACCURATE ADDRESSES, UNVERIFIED NEGATIVE ITEMS, AND UNAUTHORIZED INQUIRY To Whom It May Concern, I am issuing this formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple items currently reported on my credit file. These entries are inaccurate, unverifiable, or reported in violation of federal law and IRS regulations. Unless you can provide verifiable documentation, they must be permanently deleted to remain in compliance with the law. \nINCORRECT ADDRESSES MUST BE REMOVED The following addresses are not associated with me and must be immediately deleted from my file. Reporting false addresses is a violation of FCRA XXXX ( b ) and XXXX : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX These entries do not reflect any current or prior residence and pose a risk of fraudulent association or mislinked tradelines. \nDISPUTED NEGATIVE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : No documentation has been provided to verify this account. No balance, original agreement, or payment history has been produced. This violates FCRA 1681s-2 ( b ) and XXXX XXXX formatting standards for complete and accurate reporting. \nXXXX, XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : This entry is unverifiable and lacks both a reported balance and full account history. There is no proof of ownership, billing activity, or authorization to report under FCRA 1681i ( a ).\n\nNOTICE : CHARGE-OFF ACCOUNTS IRS MISCLASSIFICATION OF DEBT Per IRS Publication 4681, any canceled or charged-off debt of {$600.00} or more must be reported as canceled income using Form 1099-C and is no longer legally collectible. Reporting a charged-off account as due and collectible misrepresents its status and violates both FCRA 1681e ( b ) and IRS rules.\n\n\" A charged-off account, once canceled or forgiven, is classified as incomenot an enforceable obligation. Continuing to report such debts without proper documentation is financial misrepresentation. '' Unless you can provide proof that these debts were never canceled and that I owe them, they must be removed immediately.\n\nPUBLIC RECORD DISPUTE BANKRUPTCY U.S. Bankruptcy Court Reference # XXXX Date Filed/Reported : XX/XX/XXXX Status : XXXX XXXX Discharged Issue : No verification has been provided regarding the original sourcing of this record. As established by CFPB investigations, credit bureaus often rely on third-party vendors rather than official court recordsa violation of FCRA 1681i ( a ) if you can not demonstrate direct verification.\n\nIf you can not confirm this bankruptcy through direct communication with the court, it must be removed immediately. \nUNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me, and no permissible purpose exists under FCRA 1681b ( a ). Please provide documentation proving I gave explicit authorization. If no written consent can be verified, this inquiry must be permanently deleted. \nFORMAL DEMAND FOR ACTION I am demanding the following be completed within 10 calendar days of receipt of this letter : 1. Permanently delete all incorrect addresses listed above 2. Remove all unverifiable charge-off accounts 3. Delete the unauthorized hard inquiry 4. Purge the public bankruptcy record unless verified with the original court 5. Send a written reinvestigation summary and updated credit report per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION If you fail to resolve this dispute properly and in full compliance with federal law, I will file : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A violation report to the Federal Trade Commission ( FTC ) A complaint with the Louisiana Attorney General A civil lawsuit seeking damages under FCRA 1681n and 1681o Do not respond with stall letters or boilerplate responses. I am lawfully exercising my right to dispute all inaccurate, unverifiable, or unauthorized information using my own resources and/or third-party assistance, as protected under federal law. \nSincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File","date_sent_to_company":"2025-05-14T07:00:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"13498097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-14T03:04:36.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Purge the public <em>bankruptcy</em> record unless verified with the original <em>court</em> 5."]},"sort":[16.445395,"13498097"]},{"_index":"complaint-public-v1","_id":"13495087","_score":16.445395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & LEGAL DEMAND INACCURATE ADDRESSES, UNVERIFIED NEGATIVE ITEMS, AND UNAUTHORIZED INQUIRY To Whom It May Concern, I am issuing this formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple items currently reported on my credit file. These entries are inaccurate, unverifiable, or reported in violation of federal law and IRS regulations. Unless you can provide verifiable documentation, they must be permanently deleted to remain in compliance with the law. \nINCORRECT ADDRESSES MUST BE REMOVED The following addresses are not associated with me and must be immediately deleted from my file. Reporting false addresses is a violation of FCRA XXXX ( b ) and XXXX : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX These entries do not reflect any current or prior residence and pose a risk of fraudulent association or mislinked tradelines. \nDISPUTED NEGATIVE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : No documentation has been provided to verify this account. No balance, original agreement, or payment history has been produced. This violates FCRA 1681s-2 ( b ) and XXXX XXXX formatting standards for complete and accurate reporting. \nXXXX, XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : Not reported Status : Charge-Off Issue : This entry is unverifiable and lacks both a reported balance and full account history. There is no proof of ownership, billing activity, or authorization to report under FCRA 1681i ( a ).\n\nNOTICE : CHARGE-OFF ACCOUNTS IRS MISCLASSIFICATION OF DEBT Per IRS Publication 4681, any canceled or charged-off debt of {$600.00} or more must be reported as canceled income using Form 1099-C and is no longer legally collectible. Reporting a charged-off account as due and collectible misrepresents its status and violates both FCRA 1681e ( b ) and IRS rules.\n\n\" A charged-off account, once canceled or forgiven, is classified as incomenot an enforceable obligation. Continuing to report such debts without proper documentation is financial misrepresentation. '' Unless you can provide proof that these debts were never canceled and that I owe them, they must be removed immediately.\n\nPUBLIC RECORD DISPUTE BANKRUPTCY U.S. Bankruptcy Court Reference # XXXX Date Filed/Reported : XX/XX/XXXX Status : XXXX XXXX Discharged Issue : No verification has been provided regarding the original sourcing of this record. As established by CFPB investigations, credit bureaus often rely on third-party vendors rather than official court recordsa violation of FCRA 1681i ( a ) if you can not demonstrate direct verification.\n\nIf you can not confirm this bankruptcy through direct communication with the court, it must be removed immediately. \nUNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me, and no permissible purpose exists under FCRA 1681b ( a ). Please provide documentation proving I gave explicit authorization. If no written consent can be verified, this inquiry must be permanently deleted. \nFORMAL DEMAND FOR ACTION I am demanding the following be completed within 10 calendar days of receipt of this letter : 1. Permanently delete all incorrect addresses listed above 2. Remove all unverifiable charge-off accounts 3. Delete the unauthorized hard inquiry 4. Purge the public bankruptcy record unless verified with the original court 5. Send a written reinvestigation summary and updated credit report per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION If you fail to resolve this dispute properly and in full compliance with federal law, I will file : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A violation report to the Federal Trade Commission ( FTC ) A complaint with the Louisiana Attorney General A civil lawsuit seeking damages under FCRA 1681n and 1681o Do not respond with stall letters or boilerplate responses. I am lawfully exercising my right to dispute all inaccurate, unverifiable, or unauthorized information using my own resources and/or third-party assistance, as protected under federal law. \nSincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File","date_sent_to_company":"2025-05-14T06:00:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"13495087","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-14T03:04:36.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Purge the public <em>bankruptcy</em> record unless verified with the original <em>court</em> 5."]},"sort":[16.445395,"13495087"]},{"_index":"complaint-public-v1","_id":"16397979","_score":12.282788,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRE-AGING OF DELINQUENT OR CHARGED-OFF ACCOUNTS TO APPEAR RECENT\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFAILURE TO CORRECT OR DELETE INACCURATE OR UNVERIFIABLE INFORMATION AFTER NOTICE\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX, my XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the Western District of Louisiana. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nThe original creditor (Credit One Bank, N.A.) was not licensed to lend in this state, which may make the original contract unenforceable under Louisiana law. Resurgent, the current servicer, has not confirmed whether they are licensed to collect debts in Louisiana. They vaguely referenced regulator websites in their XXXX XXXX XXXX response but gave no direct confirmation. Potential FCRA Violation  Re-Aging: The account shows no payments since charge-off in June 2023, yet appears to have been updated in 2025 as if it is actively past due. If the tradeline is being reported with new delinquency dates, this may constitute illegal re-aging, violating the Fair Credit Reporting Act (FCRA). Refusal to Remove Inaccurate Tradeline: I disputed this account with both Resurgent and the credit bureaus. They acknowledged the dispute but refuse to remove or correct the tradeline. They are continuing to report the full balance with no supporting documentation showing enforceability or legality under Louisiana law. Cease and Desist Acknowledged, But No Resolution: Resurgent did acknowledge my cease-communication request but still maintains the tradeline without validating its legality or correcting inaccurate credit reporting. I request that the CFPB investigate the licensing status of Resurgent in Louisiana, review the credit reporting history for accuracy, and determine whether this tradeline should be removed due to licensing and FCRA compliance issues. Supporting documents are available upon request, including Resurgents XXXX XXXX XXXX letter.\\n\\n\\nWritten confirmation of correction or deletion must be sent to:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n\\nFair Credit Reporting Act (FCRA)\\nPara informacin en espaol, visite www.consumer+nance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX\\nA Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to XXXX or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX.\\nYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See XXXX for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within XXXX  days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than XXXX  years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit XXXX.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtection\\nXXXX XXXX XXXX XXXX XXXX XXXX\\nb. Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n2. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance Group\\nXXXX XXXX XXXX XXXX XXXX\\nb. Federal Reserve Consumer Help\\nCenter\\nXXXX XXXX XXXX\\nMinneapolis, MN 55480\\nc. Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance Corporation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nd. National Credit Union Administration\\nOUce of Consumer Financial Protection\\nXXXX XXXX XXXX XXXX XXXX\\n3. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of Transportation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n4. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation Board\\XXXX XXXX XXXX XXXX XXXX XXXX\\n5. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministration\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n7. Brokers and Dealers Securities and Exchange Commission\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit Administration\\nXXXX XXXX XXXX XXXX XXXX XXXXn9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T03:48:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16397979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-10-06T03:48:35.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\n\\nAs of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, my <em>XXXX</em> <em>XXXX</em> <em>bankruptcy</em> has been officially filed in the United States <em>Bankruptcy</em> <em>Court</em> for the Western District of <em>Louisiana</em>. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence."]},"sort":[12.282788,"16397979"]},{"_index":"complaint-public-v1","_id":"16398028","_score":9.283939,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX, my XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the Western District of Louisiana. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent to:\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nA Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to XXXX or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX.\\nYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within XXXX  days.\\nIn addition, all consumers are entitled to one free disclosure every XXXX  months upon request from each nationwide credit bureau and from XXXX\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See XXXX for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within XXXX  days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than XXXX  years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit XXXX Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtection\\nXXXX XXXX XXXX XXXX XXXX XXXX\\nb. Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n2. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance Group\\nXXXX XXXX XXXX XXXX XXXX\\nb. Federal Reserve Consumer Help\\nCenter\\nXXXX XXXX XXXX XXXX XXXX\\nc. Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance Corporation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nd. National Credit Union Administration\\nOUce of Consumer Financial Protection\\nXXXX XXXX XXXX XXXX XXXX\\n3. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of Transportation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n4. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation Board\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n5. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministration\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n7. Brokers and Dealers Securities and Exchange Commission\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit Administration\\n1501 Farm Credit Drive\\nMcLean, VA 22102-5090\\n9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:03:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16398028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Braviant Holdings, LLC","date_received":"2025-10-06T03:57:51.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\n\\nAs of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, my <em>XXXX</em> <em>XXXX</em> <em>bankruptcy</em> has been officially filed in the United States <em>Bankruptcy</em> <em>Court</em> for the Western District of <em>Louisiana</em>. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence."]},"sort":[9.283939,"16398028"]},{"_index":"complaint-public-v1","_id":"2758925","_score":8.732607,"_source":{"product":"Mortgage","complaint_what_happened":"TO : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nXXXX, NC XXXX Who 's at fault? \n\n\n\n\n\nAND ... ..who 'll take the punitive damages liability, the penalty and criminal code punishment if my efforts to extend an Olive Branch to Bank of America falls through? \n\n\n\n\n\nThe Bank of America Board Chair and CEO, that 's whom. \n\n\n\n\n\n\n\nI 've requested the keys to XXXX XXXX XXXX XXXX XXXX , CA , but no more. \n\n\n\n\n\n\n\nNow, I 'm demanding them AND QUICK! \n\n\n\n\n\n\n\nEspecially since learning that the CEO has the ability to hand over those keys because he has first hand access to the property. \n\n\n\n\n\nThe way it looks to me, XXXX XXXX XXXX, has assumed possession of the house XXXX XXXX XXXX Stole from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. \n\n\n\n\n\n\n\n\n\n\" XXXX XXXX XXXX Announces Upsize and Pricing of Public Offering of Common Shares '' XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX A story in XXXX, says that several Bank and Mortgage Company CEO 's have \" bought out '' XXXX XXXX, the thief who stole XXXX. \n\n\nOr, put another way ; received Stolen Goods \" Receiving Stolen Property What Does It Mean to \" Receive Stolen Property ''? \n\nReceiving stolen property is acrime to purchase or accept property that you know or believe was obtained through theft.The crime is separate from robbery, extortion, or theft.Receiving stolen property is a crime in order to deter people from aiding or rewarding thieves by buying stolen property, concealing stolen property, and to deter theft in general.Receiving stolen propertymay be a misdemeanor or felony. '' Our home, our assetsin particular, and a plantation of homes in general. \n\n\n\" In order to be convicted of receiving stolen property, the prosecution must show Property Was In Fact Stolen : In order to be convicted of a receipt of stolen property, the property must actually be in a stolen status. This means that the police can not set up the defendant to receive the stolen property just to bust him or her. \nKnowledge : The defendant must have knowledge that the property was stolen, or should have known, that the property was stolen Intent to Defraud Owner : The defendant had intent to deprive the owner of his or her property, such as by keeping it, selling it, or giving it away to another party. '' XXXX \" owned '' XXXX XXXX, which now is in the hands of several racketeers. \n\n\nAs in the house he stole from us, we have Proof Of Reconveyance, from a Court Ordered Discharge and several CEO 's. \n\n\nAmong them, XXXX XXXX XXXX, Bank ofAmerica. \n\n\n\nHard to extend an Olive Branch to a CEO whose Vice Presidents record a Deed on behalf of my spouse and yours truly, and then assumes Trusteeship of the house ( s ) XXXX swiped. \n\n\n\" XXXX XXXX, BofA XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX are joint book-running managers for the offering, and XXXX XXXX XXXX is a co-manager for the offering. '' In some states, according to \" XXXX XXXX. XXXX, '' the prosecution must show that you intended to aid the thief by purchasing or accepting the stolen property. \n\n\n\n\" Some states also differentiate between receiving and possessing stolen property. '' Well, if we do n't get the keys to the house, resistance when we move in, or written and literal assistance to repossess the premises, that 's the direct link to the receiving of stolen property. \n\n\n\" XXXX, Ariz. -- ( XXXX XXXX ) -- XXXX  XXXX XXXX ( XXXX : XXXX ) ( the Company ) announced today that it priced its underwritten public offering of XXXX of its common shares at a public offering price of {$32.00} per share. \n\n\n\nThe Company is offering 9,600,000 of its common shares, according toBusinesswire, which it says was up-sized from the previously announced 8,000,000 common shares, and the selling shareholders are offering 10,476,891 common shares. \n\n\n\nThe gross proceeds to the Company, says the article, will be {$310.00} million. \n\n\n\nThe Company, it says, will not receive any proceeds from the offering of common shares by the selling shareholders. \n\n\n\" The Company and certain of the selling shareholders have granted the underwriters a 30-day option to purchase up to an additional 1,505,465 common shares and 1,506,068 common shares from the Company and such selling shareholders, respectively, at the public offering price. \n\nThe offering is expected to close on XXXX XXXX, XXXX, subject to customary closing conditions. '' By proxy of their lingering partnership in Criminal Foreclosures and other Illegal rackets, Bank of America is joined at the hip with all the operatives named in the purchase and sale by XXXX XXXX. \n\n\nWhat If I Did Not Know That the Property Was Stolen? \n\n\n\n\n\n\nThe answer : Bank of America is the Trustee So if they do n't have possession of the property, then it 's stolen. \n\n\n\n\n\n\" The key factor between receiving and possessing stolen property is the timing of the knowledge that it was stolen. If the person receiving the property knew it was stolen at the time of acquisition, then the person is guilty. \n\n\n\nIf the person discovered the property was stolen after accepting it, but still intends to keep it or use it for a dishonest purpose ( such as selling it to someone else ), then the person is guilty of possessing stolen property. '' Because XXXX knows his act of forgery, fraud and embezzlement have caught up to him. \n\n\n\n\nXXXX has said he wanted out, and now, out he goes. \n\n\n\" Trump friend XXXX XXXX cashes out of XXXX XXXX XXXX '' So now, Bank of America, as Trustee, has no defense for not coming up with those keys. Essentially, the Bank CEO has been left holding the Bag by XXXX, as he knows that his Trustee Deed ( s ) Upon Sale, used to steal these homes, are all fraudulent. \n\n\n\n\n\" What are the Possible Consequences of Receiving Stolen Property? \n\n\n\n\nReceipt of stolen property is categorized as a \" wobbler '' meaning that the charge can be a felony or misdemeanor. A charge for a receipt of stolen property charge depends on the value of the property at issue. If the property has a high value, the defendant would be charged a felony. If the property value is low, the defendant would be charged as a misdemeanor. If you are found guilty, the court may do any or all of the following : Imprisonment Restitution Fines ( depending on the value of the property ) Probation '' The following article connected to the above headline is writtenByXXXX XXXX XXXX, XXXX, a colleague of mine at XXXX XXXX XXXX, \" XXXX XXXX, a close confidant of President Donald Trumps, haswalked away from the rental housing empire he built following the housing bust, cashing out his ownership stake in a move likely to make him hundreds of millions of dollars. '' The move came late Friday, according to XXXX XXXX, one day afterReveal published an exposon the company he founded. \n\n\n\n\n\nAccording to afilingwith the Securities and Exchange Commission, Says the article 's author, XXXX sold all his stock in XXXX XXXX XXXX and resigned his position as co-chairman of its Board of Trustees. '' About the time XXXX XXXX sold his holdings, my spouse and me had filed a written complaint against him with the Consumer Financial ProtectionBureau. \n\n\n\n\n\n\n\nWe sent him a Certified package, wherein he found a copy of Deed ( s ) of Reconveyance from Bank of America ( XXXX XXXX, XXXX ), and a \" Release of Lien \" Letter ( XXXX XXXX, XXXX ) from XXXX XXXX, XXXX, a \" Wholly-Owned '' subsidiary of Bank of Anerica. \n\n\n\n\n\n\n\nIn addition, we mailed within the packet, copies of Reconveyances from : b ) XXXX XXXX XXXX XXXX. \n\n\n\nXXXX ) XXXX XXXX XXXX ( both now owned by XXXX XXXX XXXX ) d ) XXXX XXXX, XXXX. ( XXXX XXXX, XXXX ) e ) XXXX XXXX XXXX XXXX XXXX and the Chapter XXXX Banrutcy Case XXXX, via a Purchase and Sale Agreement ( XXXX XXXX, XXXX ) Contracted using the signatures of XXXX XXXX and XXXX XXXX, without our knowledge or permission. \n\n\n\n\n\n\n\nThrough the relay racket, possession of our home was left to the clutches of XXXX XXXX XXXX XXXX, which then colluded with XXXX XXXX XXXX whose Company then was called \" XXXX XXXX XXXX XXXX ), to steal our home with a forged Trustee Deed. \n\n\n\n\n\n\n\nAccording to XXXX the phenomenon XXXX started where tens of thousands of single-family homes are bundled into giant mortgage-backed securities, creating new incentives designed, to skimp on maintenance and maximize rents, says the author, But the phenomenon XXXX started will outlive his ownership. \n\n\n\n\n\n\" XXXX, who often says he likes to befriend the bewildered, has made a career out of profiting off other peoples pain. He began buying houses in XXXX, telling an audience in XXXX that the mass purchases of homes previously foreclosed on was the greatest thing Ive ever done. \n\n\n\n\" Current tenants, however, say the company piles on onerous fees and forces them to live with chronic leaks, mold, mites and even snake infestations. '' While in action with his stolen goods, XXXX XXXX XXXX was making deals with the devil, so to speak, and committing acts of treachery against \" tenants '', who probably were the same homeowners from whom the properties were stolen, and converted to Rentals. \n\n\n\n\n\nIn one county in the XXXX area, says XXXX, the company filed eviction notices against one-third of its tenants, according to a report by the XXXX XXXX XXXX XXXX XXXX. \n\n\n\n\n\n\n\nWere just little people in his world, XXXX XXXX, XXXX, said of XXXX. \n\n\n\n\n\nTwo weeks after her family moved into a XXXX XXXX home in suburban XXXX, she said a ceiling fan fell on her bed. \n\n\n\nXXXX first signaled his intention to sell in afilingwith the SECon Wednesday, says the article, a week after XXXX contacted the company for comment andfive days after XXXX talked to XXXX by phone, telling him directly that we planned to publish an investigation into poor conditions and mass evictions by XXXX. '' And I and others like me will continue pressing for that investigation, among others, as well as writing to the courts that have Bank of America and the others under foot. \n\n\n\n\n\n\n\nNot only will we pressure them into turning on their heretofore partners, but throwing them under the bus to save their own skins. \n\n\n\n\n\n\n\n\n\nIn this upcoming example, an appeals court made a clear distinction between two separate versions of purchase and sale. \n\n\n\" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California. \nXXXX XXXX, Plaintiff and Appellant, v. XXXX XXXX XXXX XXXX, XXXX. et al., Defendants and Responde XXXX Decided : XXXX XXXX, XXXX ORDER MODIFYING OPINION ; NO CHANGE IN JUDGMENT. \n\nOn the court 's own motion, we modify the opinion by deleting the sentence on page 10, stating, Additionally, the debtor has the right to postpone the foreclosure sale for one day to pay off the outstanding debt. ( XXXX v. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. ) Whatever the Court 's opinion, the distinction they make is clear and decisive, related to mortgages and transfer of title for a sale. \n\n\n\n\n\n' '' As we noted at the outset of this opinion, the Legislature has eliminated most of the legal and economic distinctions between a mortgage containing a power of sale and a deed of trust. \n\n\n\n( XXXX, XXXX, XXXX XXXX at p. 553 [ holding same rules are generally applied to mortgages and deeds of trust because there is little practical difference between the two instruments ]. ) However, some distinctions between the two security devices endure. \n\n\n\n\n\n\n\nProbably the most significant distinction is the execution of a mortgage involves only two parties ( i.e., he mortgagor and mortgagee ) ; whereas the execution of a deed of trust necessarily involves three parties ( i.e., the trustor-debtor, beneficiary-creditor, and trustee ) because title to the real property and the power of sale are conveyed to the third party trustee, who holds the interest for the benefit of the beneficiary-creditor. \n\n\n\n( See XXXX, XXXX, XXXX XXXX at p. 1510. ) '' In the case of a Title already transferred, the matter of a Deed of Trust is moot, and any purchase and sale agreement therefore is illegal. \n\n\n\n\n\n\n\nAnd if I am pushed to it, or someone challenges my demand for the keys, I will prove to them that the law ( s ) regarding refinancing, Purchase and Sale Contracts have been abused, butchered, broken. \n\n\n\n\n\nMy spouse and I have obtained transfer of the Deed of Trust to a Title all the way back to XXXX XXXX, XXXX, in the U.S. Chapter XXXXBankruptcy court ( XXXX ). \n\n\n\n\n\n\n\nThe court Discharged, our Debt and issued an order the Title be transferred to my spouse and me, based on the \" Final Decree '' submitted byXXXX XXXX as U.S. Chapter XXXX Trustee in the above-referenced case. \n\n\n\n\n\" XXXX XXXX, Chapter XXXX Trustee '' \" The Final Decree After the submission of a reorganization plan, the bankruptcy court conducts a hearing for confirmation. In certain cases, there may be some alteration or modification due to the interference of the interested parties. If there is no alteration or modification in the reorganization plan, the bankruptcy court initiates steps for the affirmation of the plan. \n\n\n\nAfter completion of all post-confirmation proceedings of the plan, the bankruptcy court sets time limits for filing a final report and motion for a final decree. The Bankruptcy Code requires the court to close a bankruptcy case immediately after full administration of the real property and the discharge of the US Trustee. In short, the entry of a final decree is meant to close a bankruptcy case. '' An Order for a Deed of Reconveyance came with the Discharge. \n\n\n\n\n\n\n\nThe Order was fulfilled by XXXX XXXX XXXX XXXX, which recorded a Deed of Recoveyance on that same date : XXXX XXXX, XXXX. \n\n\n\n\n\n\n\nIn this upcoming example, again, the appeals court made a clear distinction between two separate versions of purchase and sale. \n\n\n\n\n\n\n\n\" As the XXXX court explained, section 2932.5 's purpose is not to ensure that borrowers can identify who is holding their loans. Section 2932.5 requires the recorded assignment of a mortgage so that a prospective purchaser knows that the mortgagee has the authority to exercise the power of sale. \n\n\n\nThis is not necessary when a deed of trust is involved, as the trustee conducts the sale and transfers title. [ Citation. ] It is the trustee 's holding and transferring of title that underlies the application of different recording requirements than those required of mortgagees under section 2932.5 [ T ] he literal application of section 2932.5 to deeds of trust would effectively require the power of sale to be transferred to the lender, contrary to the terms of the trust deed and of section 2934a which provides detailed requirements for the transfer of the power of sale to another trustee. ( XXXX, XXXX, XXXX XXXX at p. 336, fn. omitted. ) We agree with the XXXX court that the transferee of a promissory note secured by a deed of trust is not a mortgagee, or other encumbrancer to whom a power of sale is given within the meaning of section 2932.5, and such a transferee need not have a duly acknowledged and recorded interest in the promissory note before exercising the power of sale. \n\n\n\nXXXX XXXX, XXXX, XXXX XXXX at p. 333. ) '' And if pressed to do so, I gladly will embarrass these detractors by proving their treachery, Evasion of Taxes, Embezzlement and Seizure of Assets and of Property without authority or legal standing. \n\n\n\n\n\" U.S. CodeTitle 12Chapter 38A 3763 12 U.S. Code 3763 - Transfer of title and possession US Code Notes Authorities ( CFR ) prev|next ( a ) Delivery of deeds The foreclosure commissioner shall, upon delivery of a deed or deeds to the purchaser or purchasers ( which shall be without warranty or covenants to the purchaser or purchasers ) obtain the balance of the purchase price in accordance with the terms of sale provided in the notice ofdefaultand foreclosure sale. \n\n\n\nNotwithstanding anyStatelaw to the contrary, delivery of a deed by the foreclosure commissioner shall be a conveyance of the property, and constitute passage of title to the mortgaged property, and no judicial proceedings shall be required ancillary or supplementary to the procedures provided in this chapter to assure the validity of the conveyance or confirmation of such conveyance. \n\n\n( b ) Right of possession A purchaser at a foreclosure sale held pursuant to this chapter shall be entitled to possession upon passage of title under subsection ( a ) to the mortgagedproperty, subject to any interest or interests not barred undersection 3765 of this title. \n\n\n\nAny person remaining in possession of the mortgaged property after thepassageof title shall be deemed a tenant at sufferance subject to eviction under local law. '' Our property never was legally mortgaged, and the \" loan ( s ) '' never were true transactions of a debt. \n\n\n\n\n\nThat 's because all of this was done under the false pretense of ownership, when in fact, we had and still have the requisite document ( s ) to show Clear Title. \n\n\n\n\n\nWe had and still have in our possession, at least five recorded versions of our Title Transfer by several Mortgagees, among them Bank of America. \n\n\n\n\n\nHaving recorded a Deed through XXXX XXXX, XXXX, a wholly owned Subsidiary of Bank of america, on XXXX XXXX, XXXX, and again ion XXXX XXXX, XXXX, Bank of America reaffirmed their version of our ownership witnessing, and now is the binding Trustee. \n\n\n\n\n\n\n\nIt is solely responsible for the fact that we do not have possession of our home, one they admit we own. \n\n\n\n\" XXXX XXXX XXXX XXXX, XXXX. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX : Substitution of Trustee and Full Reconveyance Property Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Homeowner, Please be informed that when a mortgage or deed of trust is paid in full, the public records must be cleared using a legal document called a lien release or reconveyance. A lien release is a document which \" releases '' a lien on property included in public records. The lien release serves as notification that the borrower no longer owes that specific debt secured by an interest in the property. \n\nIn the states of California, Idaho, Montana, Nebraska, Nevada, Oregon, Utah, and Washington, the Reconveyance is combined or accompanied by a Substitution of Trustee wherein the lender or current holder/beneficiary substitutes the original Trustee with a new trustee. \n\nXXXX XXXX, XXXX, is substituted in the above referenced states to replace the original trustee for the very purpose of releasing a lien on the property. The document is accurate and properly recorded based on the state statutory guidelines and it removes th encumbrance from your property. \n\nXXXX XXXX XXXX, is a wholly-owned subsidiary of Bank of America, N.AXXXX, and is responsible for preparing, executing, notarizing and sending real property lien releases on behalf of Bank of America. \n\nPaid-in-full loans are referred to XXXX XXXX, XXXX, for lien release processing, All lien releases or reconveyances are recorded with the Country Recorder 's office where the original Deed of Trust or Mortgage was recorded. Please retain for your records the lien release or reconveyance you received as that is proof that your loan is paid in full and released from public records. '' Thank you for your business XXXX XXXX, XXXX. \nLien Release Department '' By holding my property hostage through outright theft, you are in direct violation of18 U.S. Code Section 641 : \" Whoever embezzles, steals, purloins, or knowingly converts to his use or the use of another, or without authority, sells, conveys or disposes of any record, voucher, money, or thing of value of the United States or of any department or agency thereof, or any property made or being made under contract for the United States or any department or agency thereof ; or Whoever receives, conceals, or retains the same with intent to convert it to his use or gain, knowing it to have been embezzled, stolen, purloined or converted Shall be fined under this title or imprisoned not more than ten years, or both ; but if the value of such property in the aggregate, combining amounts from all the counts for which the defendant is convicted in a single case, does not exceed the sum of {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both. '' To this point, they themselves would be guilty of stealing our home and assets. \n\n\n\n\n\n\nIn this article entitled, '' Failure to Reconvey : Quiet Title Without a Quiet Title ActionbyXXXX XXXX XXXX XXXX, XXXX |Attorneys, Blog, Civil Litigation, Real Estate WA XXXX Trusts and Estates WA, Washingon State '', the author illustrates what happens when the Trustee tries to weasel out and does not reconvey. \n\n\n\n\n\nThe author answers the question as to : \" What do you do when a seller fails to reconvey the title to property following payment of the loan, then dies? '' Failure to reconvey, says XXXX XXXX, puts a cloud on the title that must be quieted. However, warns the author, a quiet title action can be a drawn out and expensive matter. \n\n\n\n\n\n\n\n\" Is there a way to obtain a quiet title without a quiet title action? '' In this case, that 's exactly what the attorney accomplished for this client. \n\n\n\n\n\n\n\nAfter having agreed to take on the cumbersome title of Mortgage Trustee, the author notes the legal obligation one faces. \n\n\n\n\n\n\n\n\" As the proposed Trustee, I was less excited. I had two main concerns. \n\n\n\nFirst, the Trustee must act in good faith toward both the grantor and the beneficiary. \n\n\n\nThis would require a careful conflicts letter and explanation to both my client and the former owners daughter. \n\n\n\nBecause the daughters concerns had been, all along, the wording of the reconveyance request and the indemnification, not actual opposition to reconveying the property, her interest was not adverse to my client, and a carefully drawn conflicts letter was possible. '' Second, I was not wildly enthusiastic about taking on the liability of a Trustee. \n\n\n\nHowever, in this case, I did feel the risk was minimal. I had a long history with the client and remembered when she had paid off the Note. \n\n\n\nThe loan servicing company had a record of the payments showing the payoff by cashiers check as well as a notation that the documents had been returned for reconveyance. '' The loan servicing company had held the original Note and Deed of Trust until the loan was paid, saysXXXX XXXX, meaning that the Seller could not have assigned or sold it during that time. \n\n\n\n\n\n\n\n\" Further, this particular seller represented almost no risk of having fraudulently assigned the Note or Deed between the time they were returned to her and her death a few months later. \n\n\n\n\" Further, if either had been assigned, my client would, no doubt, have heard something from the new holder in the fourteen years that hadpassed since the documents had been returned. '' After explaining these concerns to my client and the daughter, both were willing to sign a conflict letter and my client was willing to indemnify me for taking on the role of Trustee. \n\n\n\nUpon this, the new title company was willing to issue a policy without holding back any proceeds. The title was cleared with no quiet title action and the sale closed within the extension period. '' What is the Olive Branch I sought to send Bank of America XXXX XXXX XXXX XXXX? \n\n\n\n\n\nInstead of being liable for the entire length of the criminal acts in our home ownership dispute Bank of America would assume liability for the the years between XXXX XXXX, XXXX, to XXXX XXXX, XXXX, plus penalty and interest for all payments, fees and charges. \n\n\n\n\n\nBut if they fail to resolve this issue of our home being held hostage, that in effect would render them sole Obligor. \n\n\n\n\" XXXX XXXX XXXX XXXX Obligor Definition : A person who is contractually or legally, committed or obliged, to providing something to another person ( the obligee ). \n\nRelated Terms : Promisor, Obligee, Debtor The recipient of the obligor 's benefit is theobligee. \n\n\n\nThe person to whom the benefit of an obligation flows. \n\nAlso referred to as thepromissorwith the recipient, thepromisee. \n\n\n\nThe person who binds himself, acting as a surety or giving security, for another 's contractual obligation, by a bond, is referred to as an obligor. \n\n\n\nThe LouisianaCivil Codeprefers thecivil lawword \" obligation '' to thecommon lawtermcontract. In many ways, the terms are interchangeable. \n\n\n\nIn the LouisianaCode, obligationis defined as follows : \" An obligation is a legal relationship whereby a person, called theobligor, is bound to render a performance in favor of another, called theobligee. Performance may consist of giving, doing, or not doing something. '' Who 's at fault, and who 'll take the bulk of the expense, penalty and punishment if my efforts to extend an Olive Branch to Bank of America XXXX XXXX XXXX XXXX falls through? \n\n\n\n\n\nThe Bank of America Board Chair and CEO, that 's whom. \n\n\n\n\n\nI 've requested the keys to XXXX XXXX XXXX XXXX XXXX , CA , but no more. \n\n\n\n\n\nNow, I 'm demanding them AND QUICK! \n\n\n\n\n\nEspecially since learning that the CEO has the ability to hand over those keys because he has first hand access to the property.","date_sent_to_company":"2017-12-19T08:08:38.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"94538","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2758925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-19T03:02:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["After completion of all post-confirmation proceedings of the plan, the <em>bankruptcy</em> <em>court</em> sets time limits for filing a final report and motion for a final decree. The <em>Bankruptcy</em> Code requires the <em>court</em> to close a <em>bankruptcy</em> case immediately after full administration of the real property and the discharge of the US Trustee. In short, the <em>entry</em> of a final decree is meant to close a <em>bankruptcy</em> case. '' An Order for a Deed of Reconveyance came with the Discharge."]},"sort":[8.732607,"2758925"]},{"_index":"complaint-public-v1","_id":"16371236","_score":7.9620748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent toXXXX XXXX XXXX XXXX XXXX XXXX XXXXBankruptcy Filed: XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\\nXXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXXnA Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX Washington, D.C. XXXXnYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX).\\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX  and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtection\\nXXXX XXXX XXXX XXXX\\nWashington, DC XXXX Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXXWashington, DC XXXX. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance GroupXXXX XXXX XXXX  TX XXXX  Federal Reserve Consumer Help\\nCenter\\nXXXX XXXX XXXX  MN XXXX Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance Corporation\\nXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. National Credit Union Administration\\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA 2XXXX. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of Transportation\\nXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX  Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, XXXX XXXX XXXXUnited States Small Business\\nAdministration\\nXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Brokers and Dealers Securities and Exchange Commission\\nXXXX XXXX XXXX XXXXWashington, DC XXXXXXXX Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit Administration\\nXXXX XXXX XXXX XXXX VA XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:24:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16371236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-10-06T04:19:16.000Z","state":"LA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["\\n\\nAs of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>bankruptcy</em> has been officially filed in the United States <em>Bankruptcy</em> <em>Court</em> for the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence."]},"sort":[7.9620748,"16371236"]},{"_index":"complaint-public-v1","_id":"16371366","_score":7.960008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent to:XXXX XXXX XXXX XXXX, LA XXXX XXXXBankruptcy Filed: XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\\nXXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXX  Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX  Washington, D.CXXXX XXXXYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtectioXXXX XXXX XXXX XXXXWashington, DC XXXX Federal Trade Commission Consumer\\nResponse CenteXXXX XXXX XXXX XXXXWashington, DC XXXX. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance GroupXXXX XXXX XXXX TX XXXX. Federal Reserve Consumer Help\\nCenterXXXX XXXX XXXX MN XXXX Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance CorporationXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX National Credit Union Administration\\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA XXXX Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of TransportationXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministrationXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Brokers and Dealers Securities and Exchange CommissionXXXX XXXX XXXX XXXXWashington, DC XXXX. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit AdministrationXXXXXXXX XXXX XXXX XXXX  VA 2XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:15:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16371366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-10-06T04:08:59.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\n\\nAs of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>bankruptcy</em> has been officially filed in the United States <em>Bankruptcy</em> <em>Court</em> for the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence."]},"sort":[7.960008,"16371366"]},{"_index":"complaint-public-v1","_id":"16371365","_score":7.3672814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent toXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\\XXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXX Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX  Washington, D.C. XXXXYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtectionXXXX XXXX XXXX XXXXWashington, DC XXXX. Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXXWashington, DC XXXX To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance GroupXXXX XXXX XXXX TX XXXX. Federal Reserve Consumer Help\\nCenter\\XXXX XXXX XXXX MN XXXX Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance CorporationXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX National Credit Union Administration\\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA XXXX. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of TransportationXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministrationXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC 2XXXX Brokers and Dealers Securities and Exchange CommissionXXXX XXXX XXXX XXXXWashington, DC XXXX  Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit AdministrationXXXX XXXX XXXX XXXX VA XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:07:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16371365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kashia Services","date_received":"2025-10-06T04:03:50.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\n\\nAs of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has been officially filed in the United States <em>Bankruptcy</em> <em>Court</em> for the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence."]},"sort":[7.3672814,"16371365"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":16,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":16}]}},"product":{"doc_count":16,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":15}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":16,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":9}]}},{"key":"Incorrect information on your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Public record information inaccurate","doc_count":4},{"key":"Account information incorrect","doc_count":1},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":16,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":15},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":16,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":13},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":16,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":16}]}},"company":{"doc_count":16,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":3},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1}]}},"state":{"doc_count":16,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"LA","doc_count":15},{"key":"CA","doc_count":1}]}},"company_public_response":{"doc_count":16,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5}]}},"tags":{"doc_count":16,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":2},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}