{"took":115,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18348476","_score":15.309566,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX, GA XXXX RE : Complaint - Identity Theft/Scam related transfers/ Disputed Transactions Tied to Investment Account Fraudulent Takeover -Robinhood Account Security Breach- Money and Stocks Stolen To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXear Consumer Financial Protection Bureau XXXX name is XXXX XXXX XXXX XXXX I am filing a complaint regarding Robinhood Securities and Investments, My Bank Name : XXXX XXXX XXXX XXXX Acct XXXX Card Issuer : ____ related to scam related transfers and /or unauthorized transactions connected to an investment account take over. \nTransaction details : XX/XX/year>, approx. : XXXX, crypto transfers, stock transfers, metered transactions etc. all occurred from account ending : XXXX. I filed an Internal crime complaint with the Robinhood fraud department, IC3 report regarding an investigation scam/account takeover involving my brokerage account and losses on or around XX/XX/year>. \n\nI have also submitted a complaint regarding Robinhood Securities LLC/ Robinhood Financial and a suspected account takeover/scam incident that results in significant losses on or around XX/XX/year>. XXXX XXXX, loss of Funds, Acct ending in XXXX XXXX am filing a formal Fraud claim and dispute regarding activity I did not authorize and /or activity conducted due to a scam and compromise of my account.\n\nIt was brought to my attention when I was checking my accounts and noticed money being moved, and stocks being cashed out that I did not authorize. I noticed multiple fraudulent activities have occurred and are presently occurring on my investment accounts On or before XXXX XXXX my account was placed on a restriction. To XXXX XXXX I could not trade or open new positions. There are scammers who have infiltrated my account somehow. I believe it XXXX be an internal scamming happening within your organization on my accounts. My account securities have been breached. \n\nSummary : Date /Time range : XX/XX/scrub> XXXX XXXX XXXX XXXX \nI discovered unexpected/unauthorized trades, attempted/failed crypto transfers, and liquidation activities and my funds are now depleted.\n\nRobinhood communications indicated my account had unusual activity and that Robinhood believes I fell victim to a scam.\n\nI am requesting FINRA review whether the forms supervision, security controls and complaint handling were appropriate and whether additional action is warranted.\n\nI did not authorize : Enabling margin The listed trades and liquidations All crypto transferred Request outcome : That this be recorded as a consumer complaint and routed appropriately.\n\nGuidance on any additional Georgia resources or enforcement avenues.\n\nA full account fraud investigation and written determination case number : ____________ Review and require the firm to provide the full audit trail and a written explanation of how access occurred.\n\nReview the firms actions regarding margin enablement, rapid trading/liquidations, and any crypto transferred A copy of the complete audit trail for the incident window. Login history/ IP addresses, security events, 2FA changes, linked banks/card changes, trading permissions and margin setting changes, and order entry details Review for trad cancellations and reversals when orders were placed under account takeover and unauthorized access and identity any counter parties and destination wallets and withdrawals rails used.\n\nWaiver and refund of margin interest and fees tied to the unauthorized activities Preservation of records and confirmation that Robinhood has placed a legal hold on logs and communications related to my account.\n\nDue to these scamming, fraudulent, security breaching behaviors that have occurred and the takings of stocks and money stored in my Robinhood Investment account calculate to over XXXX XXXXhat have been stolen from me. This has caused me to be out of my money invested and has caused me stress, anguish and frustrations that warrant punitive damage due to my money being stolen for me. I have lost potential income growth due to the stealing and unauthorized selling of my stocks I did not authorize to be sold, and losses due to me not receiving the compensation of the sold stocks taken from me. I am requesting my money be returned back to me due to this Robinhood internal scamming and thievery occurring.\n\nBe advised that this scam, fraudulent transactions and stealing of my money have been reported to the following entities : my banking institution connected to my Robinhood account, XXXX XXXX XXXX FTC, FINRA, SEC, FBI, Georgia General Commissions of Business Office, OCC, Robinhood Fraud and Compliance Dept, and CFPB.\n\nResolution : What I am requesting from Robinhood Complete comprehensive internal and external investigation to be done to find the persons who did these fraudulent acts, thievery, and stole from me.\n\nA full fraud investigation and written determination Case Number XXXX XXXX \nA copy of the complete audit trail for the incident window login history with IP and device information that accessed my account.\n\nReview for trade cancellation/reversals if any orders were placed under account takeover/ unauthorized access and identify any counterparties/ destination wallets/withdrawals and rails used.\n\nWaiver/ refund of margin interest and fees tied to the unauthorized activity.\n\nRestore all stocks stolen and money taken Return money equaling approximately XXXX Preservation of records and confirmation that robinhood has placed a legal hold on logs and communications related to my account.\n\nPlace extra security to ensure this beach will not occur again Receive a letter of apology Attached is my timeline and supporting evidence. Along with any report numbers ( IC3, Police, FINRA and SEC ).\n\nIf appropriate and to provide any additional evidence. Please see attached evidence : Any suspicious texts /emails/calls that have started the scam Any destination crypto addresses/banking rails list : Robinhood My written dispute to Robinhood Screenshots and printouts of Robinhood emails, restrictions notice, and margin screen Order history pages showing the XX/XX/XXXX activity Police report/IC3 report number XXXX XXXX FTC Report Number XXXX XXXX XXXXlease respond in writing mailed to my address XXXX XXXX XXXX XXXX, GA XXXX and by email XXXX XXXX XXXX when I will receive some type of action regarding this scamming fraudulent matter that was committed. Against me and my investment account. If you have any questions, please feel free to contact me via email at XXXX or via phone XXXX. I look forward to hearing from you. \nSincerely XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct Ending : XXXX","date_sent_to_company":"2025-12-29T19:44:52.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"30078","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18348476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2025-12-29T18:47:49.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A full account fraud investigation and written determination case number : ____________ <em>Review</em> and require the firm to provide the full <em>audit</em> trail and a written explanation of how access occurred.\n\n<em>Review</em> the firms actions regarding margin enablement, rapid trading/liquidations, and any crypto transferred A copy of the complete <em>audit</em> trail for the incident window."]},"sort":[15.309566,"18348476"]},{"_index":"complaint-public-v1","_id":"15050086","_score":14.140014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify your agency that Transunion has unlawfully reinserted an account that was previously removed from my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( b ). This letter constitutes my final warning before initiating legal action.\n\nAccount ( s ) in Question The reinserted account ( s ) at issue in this dispute are as follows : ( 1 ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX These accounts were previously removed after formal disputes and have now been unlawfully reinserted into my Transunion credit file without proper certification from the data furnisher and without the legally required notice to me, as required by federal law. \nYour agencys actions not only mirror the conduct that led the Consumer Financial Protection Bureau ( CFPB ) to fine XXXX  {$15.00} XXXX in XX/XX/XXXX, but also reflect the very behavior for which XXXX  itself is currently being sued by the CFPB. That lawsuitfiled in XXXX XXXX that XXXX  engaged in sham investigations, unlawful reinsertions, and failed to adequately respond to consumer disputes, all in direct violation of federal law. \n\nThis reinsertion occurred without legally required notice, certification, or a legitimate reinvestigation. If this account is not immediately removed and suppressed during reinvestigation, I will pursue litigation without further notice, along with regulatory complaints and all available legal remedies under the Fair Credit Reporting Act. \n\nCFPB Enforcement Action Against XXXX  Precedent for Your Legal Liability On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a landmark enforcement action against XXXX  XXXX and XXXX  XXXX XXXX XXXX, imposing a {$15.00} XXXX penalty for egregious violations of the Fair Credit Reporting Act ( FCRA ). The CFPBs investigation revealed multiple systemic failures, including : Reinserting previously deleted accounts without obtaining legal certification, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nFailing to notify consumers within five ( 5 ) business days of reinsertion, as required under the same statute.\n\nConducting inadequate reinvestigations, in violation of 15 U.S.C.\n\n1681i ( a ) ( 1 ) ( A ), by ignoring consumer-provided documentation. \nRelying exclusively on automated systems ( e.g., e-OSCAR ) instead of conducting a meaningful human review, contrary to obligations under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). \nThe CFPB concluded that XXXX  knowingly and willfully engaged in deceptive, unfair, and unlawful credit reporting practices, causing substantial and measurable harm to consumers nationwide. The ruling set a clear precedent : federal regulators will not tolerate systemic FCRA violations. \nTransUnion, is once again engaging in the exact same misconduct that prompted the CFPB to file suit against XXXX  in XXXX XXXX widespread violations of the Fair Credit Reporting Act ( FCRA ), including : Sham investigations Illegal reinsertion of previously deleted accounts Failure to properly investigate consumer disputes The precedent has already been set. If XXXX can be fined, and XXXX  can be sued, then TransUnion can and will be held fully accountable under the same legal standards.If this unlawful account is not immediately removed from my credit report, I will proceed with litigation without further notice and seek the maximum statutory and punitive damages available under : 15 U.S.C. 1681n 15 U.S.C. 1681o Additionally, I will file formal complaints with the following agencies : Federal Trade Commission ( FTC ) Office of the State Attorney General To be absolutely clear, your agency is currently in violation of the following federal statutes : VIOLATIONS OF FEDERAL LAW XXXX. Violation of 15 U.S.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account.\n\nYou have failed to notify me of this reinsertion within five ( 5 ) business days.\n\n2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted.\n\nI never received such notice, making this reinsertion unlawful.\n\n3. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending.\n\nIf this account is still appearing on my report while under review, you are in violation of federal law.\n\n4. Violation of 15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate The furnisher must conduct a meaningful, detailed reinvestigation and can not rely on automated systems like e-OSCAR. \n\nIn XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court ruled that a mere electronic verification is insufficient under the FCRA. \n\nFORMAL DEMANDS FOR IMMEDIATE AND PERMANENT SUPPRESSION XXXX. Immediate Suppression of This Account During Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to suppress this account from all versions of my credit report while any reinvestigation is pending. \nIf this account remains visible while under dispute, you are in direct violation of federal law and will face regulatory complaints and civil litigation without further notice. \nXXXX. Permanent Suppression Unless Legally Certified Documentation Is Provided If you or the data furnisher attempt to reinsert this account in the future, you must first provide the following documentation for legal certification and review : A. Complete Investigation Log Full audit trail of all actions taken to verify this account.\n\nNames and employee IDs of individuals involved.\n\nTimestamps of each step performed.\n\nB. Chain-of-Custody Documentation All records showing legal transfer of the account between the original creditor and any third-party furnishers. \nCopies of billing statements validating the accuracy and validity of the debt. \nC. Internal Communications & Review Notes Internal emails, memos, and notes related to this dispute or reinvestigation.\n\nName and title of the person who certified the accounts accuracy.\n\nD. Full Call Logs and Audio Recordings If any phone-based verification occurred, I demand the complete call recordings and transcripts. \nFailure to provide this constitutes an incomplete reinvestigation under the FCRA. \n\nE. Legally Sworn Affidavit from a Senior Corporate Officer of the Data Furnisher A legally sworn affidavit must be signed under penalty of perjury by a senior corporate officer of the data furnisher ( e.g., creditor or collection agency ) not a call center employee or third-party contractor.\n\nThe affidavit must confirm that all submitted documentation is true, complete, accurate, and legally certified in accordance with the Fair Credit Reporting Act. \nFailure to provide this affidavit renders any future reinsertion of the account legally invalid. \n\nF. FTC Identity Theft Affidavit Verification Requirement ( Mandatory Under 15 U.S.C 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681m ( e ) ) If an FTC Identity Theft Affidavit was submitted during any previous dispute or investigation concerning the account ( s ) listed in this letter, Transunion is legally obligated to verify the affidavits authenticity with the Federal Trade Commission and provide full documentation of that verification process. Pursuant to your obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), you must produce the following materials without exception : 1. FTC Verification Confirmation The full name, job title, and employee ID of the Transunion representative who contacted the FTC to verify the affidavit. \nThe exact date, time, and method of contact used to initiate verification with the FTC ( e.g., phone call, secure database, written correspondence ). \nA copy of the FTCs response or confirmation verifying the affidavits validity. \nAny FTC-generated complaint ID, reference number, or case tracking number issued at the time of verification. \nXXXX. Transunion Internal Investigation & Reference Numbers All internal investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation.\n\nThese must correspond directly to the account ( s ) listed in this letter and be available for audit and litigation purposes.\n\n3. Internal Notes, Agent Logs, and Affidavit Review Trail A complete, time-stamped audit trail of all Transunion personnel who reviewed or handled the FTC affidavit . \nInternal notes, memos, and resolution summaries that document how a final decision was reached. \nThis includes any delegation of responsibility, approval signatures, or dispute closure decisions. \nXXXX. Chain of Custody Documentation ( Affidavit-Specific ) A full set of documents submitted with the FTC affidavit XXXX e.g., police reports, identity documents, proof of residence ). \nA chain-of-custody report detailing when, where, and by whom each document was received, logged, and reviewed. \nXXXX. Affidavit Handling Procedures Policy A written copy of Transunion standard operating procedures for verifying FTC Identity Theft Affidavits, including internal quality control protocols.\n\nThese procedures must comply with federal mandates under 15 U.S.C. 1681m ( e ) regarding identity theft response practices. \n\nAll materials and records produced in response to this demand must be accompanied by a legally sworn affidavit or certification, signed under penalty of perjury by a senior Transunion officer or authorized compliance official, in accordance with 15 U.S.C. 1681e ( b ) and 1681m ( e ). This affidavit must confirm that all documentation provided is true, complete, accurate, and in full compliance with Transunion obligations under the Fair Credit Reporting Act. Any response lacking such certification will be deemed incomplete and noncompliant. Failure to verify the FTC affidavit in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) renders any reinvestigation legally insufficient, any reinsertion unlawful, and your agency without any valid legal defense. \n\nMANDATORY NOTIFICATION TO ALL CREDIT REPORTING AGENCIES Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), you are legally obligated to notify all other nationwide consumer reporting agencies ( XXXX, TransUnion, and XXXX, if applicable ) of this dispute within five ( 5 ) business days of receiving it.\n\nFailure to comply with this statutory requirement will constitute a direct violation of federal law and will trigger immediate legal action under the Judge in Five Rule, including demands for expedited judicial relief, statutory damages, and injunctive remedies under the Fair Credit Reporting Act ( FCRA ). This notice is formal and time sensitive. Noncompliance will result in litigation and regulatory escalation without further warning. \n\nADDITIONAL LEGAL NOTICE Prohibited Verification Sources Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), Transunion is legally obligated to conduct all reinvestigations using reliable, independent, and impartial sources of verification. The use of any source that is a subsidiary, affiliate, or financially connected entity of XXXX, TransUnion, XXXX, or any XXXX XXXX XXXX XXXX constitutes a conflict of interest and invalidates the reinvestigation process. \nI hereby demand written certification that none of the following conflicted data providers or affiliated entities were used during any reinvestigation related to the disputed account ( XXXX ) : XXXX  : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  : XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX TransUnion : XXXX, XXXX, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Other Prohibited Entities : XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Use of any of the above entitiesor any other bureau-controlled or bureau-funded sourceviolates the legal requirement for a fair and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Any reinvestigation that relied on these parties will constitute a willful violation of federal law, render the outcome legally invalid, and result in immediate legal action, including the pursuit of statutory, punitive, and injunctive relief under 15 U.S.C. 1681nand 1681o. \n\nLEGAL CONSEQUENCES FOR NONCOMPLIANCE If these demands are not fully satisfied within fifteen ( 15 ) calendar days, I will initiate the following actions : 1. File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and Florida Attorney General. \nXXXX. File suit in federal court under 15 U.S.C. 1681n and 1681o, seeking : Statutory damages of {$1000.00} per violation Punitive damages Full reimbursement of attorneys fees and court costs XXXX. Submit a formal request for an audit of your reinvestigation procedures and consumer dispute handling practices. \n\nFINAL NOTICE : COMPLY OR FACE IMMEDIATE LEGAL ACTION This letter serves as your final legal notice. Your agency is in active violation of multiple federal statutes under the Fair Credit Reporting Act. Failure to comply within the specified timeframe will result in immediate legal action to the fullest extent of the law. \nI expect the following without delay : Written acknowledgment within five ( 5 ) business days Full resolution within fifteen ( 15 ) calendar days THIS IS YOUR FINAL OPPORTUNITY TO AVOID LITIGATION.","date_sent_to_company":"2025-08-01T03:50:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"15050086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T03:41:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Transunion <em>Internal</em> Investigation & Reference Numbers All <em>internal</em> investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation.\n\nThese must correspond directly to the account ( s ) listed in this letter and be available for <em>audit</em> and litigation purposes.\n\n3. <em>Internal</em> Notes, Agent Logs, and Affidavit <em>Review</em> Trail A complete, time-stamped <em>audit</em> trail of all Transunion personnel who <em>reviewed</em> or handled the FTC affidavit ."]},"sort":[14.140014,"15050086"]},{"_index":"complaint-public-v1","_id":"15050389","_score":14.081775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify your agency that Transunion has unlawfully reinserted an account that was previously removed from my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( b ). This letter constitutes my final warning before initiating legal action.\n\nAccount ( s ) in Question The reinserted account ( s ) at issue in this dispute are as follows : ( 1 ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX These accounts were previously removed after formal disputes and have now been unlawfully reinserted into my Transunion credit file without proper certification from the data furnisher and without the legally required notice to me, as required by federal law. \nYour agencys actions not only mirror the conduct that led the Consumer Financial Protection Bureau ( CFPB ) to fine XXXX  {$15.00} XXXX in XX/XX/XXXX, but also reflect the very behavior for which XXXX  itself is currently being sued by the CFPB. That lawsuitfiled in XXXX XXXX that XXXX  engaged in sham investigations, unlawful reinsertions, and failed to adequately respond to consumer disputes, all in direct violation of federal law. \n\nThis reinsertion occurred without legally required notice, certification, or a legitimate reinvestigation. If this account is not immediately removed and suppressed during reinvestigation, I will pursue litigation without further notice, along with regulatory complaints and all available legal remedies under the Fair Credit Reporting Act. \n\nCFPB Enforcement Action Against XXXX  Precedent for Your Legal Liability On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a landmark enforcement action against XXXX  XXXX and XXXX  XXXX XXXX XXXX, imposing a {$15.00} XXXX penalty for egregious violations of the Fair Credit Reporting Act ( FCRA ). The CFPBs investigation revealed multiple systemic failures, including : Reinserting previously deleted accounts without obtaining legal certification, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nFailing to notify consumers within five ( 5 ) business days of reinsertion, as required under the same statute.\n\nConducting inadequate reinvestigations, in violation of 15 U.S.C.\n\n1681i ( a ) ( 1 ) ( A ), by ignoring consumer-provided documentation. \nRelying exclusively on automated systems ( e.g., e-OSCAR ) instead of conducting a meaningful human review, contrary to obligations under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). \nThe CFPB concluded that XXXX  knowingly and willfully engaged in deceptive, unfair, and unlawful credit reporting practices, causing substantial and measurable harm to consumers nationwide. The ruling set a clear precedent : federal regulators will not tolerate systemic FCRA violations. \nTransUnion, is once again engaging in the exact same misconduct that prompted the CFPB to file suit against XXXX  in XXXX XXXX widespread violations of the Fair Credit Reporting Act ( FCRA ), including : Sham investigations Illegal reinsertion of previously deleted accounts Failure to properly investigate consumer disputes The precedent has already been set. If XXXX can be fined, and XXXX  can be sued, then TransUnion can and will be held fully accountable under the same legal standards.If this unlawful account is not immediately removed from my credit report, I will proceed with litigation without further notice and seek the maximum statutory and punitive damages available under : 15 U.S.C. 1681n 15 U.S.C. 1681o Additionally, I will file formal complaints with the following agencies : Federal Trade Commission ( FTC ) Office of the State Attorney General To be absolutely clear, your agency is currently in violation of the following federal statutes : VIOLATIONS OF FEDERAL LAW XXXX. Violation of 15 U.S.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account.\n\nYou have failed to notify me of this reinsertion within five ( 5 ) business days.\n\n2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted.\n\nI never received such notice, making this reinsertion unlawful.\n\n3. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending.\n\nIf this account is still appearing on my report while under review, you are in violation of federal law.\n\n4. Violation of 15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate The furnisher must conduct a meaningful, detailed reinvestigation and can not rely on automated systems like e-OSCAR. \n\nIn XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court ruled that a mere electronic verification is insufficient under the FCRA. \n\nFORMAL DEMANDS FOR IMMEDIATE AND PERMANENT SUPPRESSION XXXX. Immediate Suppression of This Account During Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to suppress this account from all versions of my credit report while any reinvestigation is pending. \nIf this account remains visible while under dispute, you are in direct violation of federal law and will face regulatory complaints and civil litigation without further notice. \nXXXX. Permanent Suppression Unless Legally Certified Documentation Is Provided If you or the data furnisher attempt to reinsert this account in the future, you must first provide the following documentation for legal certification and review : A. Complete Investigation Log Full audit trail of all actions taken to verify this account.\n\nNames and employee IDs of individuals involved.\n\nTimestamps of each step performed.\n\nB. Chain-of-Custody Documentation All records showing legal transfer of the account between the original creditor and any third-party furnishers. \nCopies of billing statements validating the accuracy and validity of the debt. \nC. Internal Communications & Review Notes Internal emails, memos, and notes related to this dispute or reinvestigation.\n\nName and title of the person who certified the accounts accuracy.\n\nD. Full Call Logs and Audio Recordings If any phone-based verification occurred, I demand the complete call recordings and transcripts. \nFailure to provide this constitutes an incomplete reinvestigation under the FCRA. \n\nE. Legally Sworn Affidavit from a Senior Corporate Officer of the Data Furnisher A legally sworn affidavit must be signed under penalty of perjury by a senior corporate officer of the data furnisher ( e.g., creditor or collection agency ) not a call center employee or third-party contractor.\n\nThe affidavit must confirm that all submitted documentation is true, complete, accurate, and legally certified in accordance with the Fair Credit Reporting Act. \nFailure to provide this affidavit renders any future reinsertion of the account legally invalid. \n\nF. FTC Identity Theft Affidavit Verification Requirement ( Mandatory Under 15 U.S.C 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681m ( e ) ) If an FTC Identity Theft Affidavit was submitted during any previous dispute or investigation concerning the account ( s ) listed in this letter, Transunion is legally obligated to verify the affidavits authenticity with the Federal Trade Commission and provide full documentation of that verification process. Pursuant to your obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), you must produce the following materials without exception : 1. FTC Verification Confirmation The full name, job title, and employee ID of the Transunion representative who contacted the FTC to verify the affidavit. \nThe exact date, time, and method of contact used to initiate verification with the FTC ( e.g., phone call, secure database, written correspondence ). \nA copy of the FTCs response or confirmation verifying the affidavits validity. \nAny FTC-generated complaint ID, reference number, or case tracking number issued at the time of verification. \nXXXX. Transunion Internal Investigation & Reference Numbers All internal investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation.\n\nThese must correspond directly to the account ( s ) listed in this letter and be available for audit and litigation purposes.\n\n3. Internal Notes, Agent Logs, and Affidavit Review Trail A complete, time-stamped audit trail of all Transunion personnel who reviewed or handled the FTC affidavit . \nInternal notes, memos, and resolution summaries that document how a final decision was reached. \nThis includes any delegation of responsibility, approval signatures, or dispute closure decisions. \nXXXX. Chain of Custody Documentation ( Affidavit-Specific ) A full set of documents submitted with the FTC affidavit XXXX e.g., police reports, identity documents, proof of residence ). \nA chain-of-custody report detailing when, where, and by whom each document was received, logged, and reviewed. \nXXXX. Affidavit Handling Procedures Policy A written copy of Transunion standard operating procedures for verifying FTC Identity Theft Affidavits, including internal quality control protocols.\n\nThese procedures must comply with federal mandates under 15 U.S.C. 1681m ( e ) regarding identity theft response practices. \n\nAll materials and records produced in response to this demand must be accompanied by a legally sworn affidavit or certification, signed under penalty of perjury by a senior Transunion officer or authorized compliance official, in accordance with 15 U.S.C. 1681e ( b ) and 1681m ( e ). This affidavit must confirm that all documentation provided is true, complete, accurate, and in full compliance with Transunion obligations under the Fair Credit Reporting Act. Any response lacking such certification will be deemed incomplete and noncompliant. Failure to verify the FTC affidavit in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) renders any reinvestigation legally insufficient, any reinsertion unlawful, and your agency without any valid legal defense. \n\nMANDATORY NOTIFICATION TO ALL CREDIT REPORTING AGENCIES Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), you are legally obligated to notify all other nationwide consumer reporting agencies ( XXXX, TransUnion, and XXXX, if applicable ) of this dispute within five ( 5 ) business days of receiving it.\n\nFailure to comply with this statutory requirement will constitute a direct violation of federal law and will trigger immediate legal action under the Judge in Five Rule, including demands for expedited judicial relief, statutory damages, and injunctive remedies under the Fair Credit Reporting Act ( FCRA ). This notice is formal and time sensitive. Noncompliance will result in litigation and regulatory escalation without further warning. \n\nADDITIONAL LEGAL NOTICE Prohibited Verification Sources Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), Transunion is legally obligated to conduct all reinvestigations using reliable, independent, and impartial sources of verification. The use of any source that is a subsidiary, affiliate, or financially connected entity of XXXX, TransUnion, XXXX, or any XXXX XXXX XXXX XXXX constitutes a conflict of interest and invalidates the reinvestigation process. \nI hereby demand written certification that none of the following conflicted data providers or affiliated entities were used during any reinvestigation related to the disputed account ( XXXX ) : XXXX  : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  : XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX TransUnion : XXXX, XXXX, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Other Prohibited Entities : XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Use of any of the above entitiesor any other bureau-controlled or bureau-funded sourceviolates the legal requirement for a fair and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Any reinvestigation that relied on these parties will constitute a willful violation of federal law, render the outcome legally invalid, and result in immediate legal action, including the pursuit of statutory, punitive, and injunctive relief under 15 U.S.C. 1681nand 1681o. \n\nLEGAL CONSEQUENCES FOR NONCOMPLIANCE If these demands are not fully satisfied within fifteen ( 15 ) calendar days, I will initiate the following actions : 1. File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and Florida Attorney General. \nXXXX. File suit in federal court under 15 U.S.C. 1681n and 1681o, seeking : Statutory damages of {$1000.00} per violation Punitive damages Full reimbursement of attorneys fees and court costs XXXX. Submit a formal request for an audit of your reinvestigation procedures and consumer dispute handling practices. \n\nFINAL NOTICE : COMPLY OR FACE IMMEDIATE LEGAL ACTION This letter serves as your final legal notice. Your agency is in active violation of multiple federal statutes under the Fair Credit Reporting Act. Failure to comply within the specified timeframe will result in immediate legal action to the fullest extent of the law. \nI expect the following without delay : Written acknowledgment within five ( 5 ) business days Full resolution within fifteen ( 15 ) calendar days THIS IS YOUR FINAL OPPORTUNITY TO AVOID LITIGATION.","date_sent_to_company":"2025-08-01T03:50:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"15050389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T03:50:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Transunion <em>Internal</em> Investigation & Reference Numbers All <em>internal</em> investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation.\n\nThese must correspond directly to the account ( s ) listed in this letter and be available for <em>audit</em> and litigation purposes.\n\n3. <em>Internal</em> Notes, Agent Logs, and Affidavit <em>Review</em> Trail A complete, time-stamped <em>audit</em> trail of all Transunion personnel who <em>reviewed</em> or handled the FTC affidavit ."]},"sort":[14.081775,"15050389"]},{"_index":"complaint-public-v1","_id":"14990007","_score":13.67106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Suppression and Legal Compliance FCRA Violations Involving Unlawful Reinsertion I am writing to formally notify your agency that Equifax has unlawfully reinserted 2 accounts that was previously removed from my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( b ). This letter constitutes my final warning before initiating legal action.\n\nAccount ( s ) in Question. The reinserted account ( s ) at issue in this dispute are as follows : ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX. These accounts were previously removed after formal disputes and have now been unlawfully reinserted into my Equifax credit file without proper certification from the data furnisher and without the legally required notice to me, as required by federal law. Your agencys actions not only mirror the conduct that led the Consumer Financial Protection Bureau ( CFPB ) to fine Equifax {$15.00} XXXX in XX/XX/XXXX, but also reflect the very behavior for which Experian itself is currently being sued by the CFPB. That lawsuitfiled in XXXX XXXX that Experian engaged in sham investigations, unlawful reinsertions, and failed to adequately respond to consumer disputes, all in direct violation of federal law. This reinsertion occurred without legally required notice, certification, or a legitimate reinvestigation. If this account is not immediately removed and suppressed during reinvestigation, I will pursue litigation without further notice, along with regulatory complaints and all available legal remedies under the Fair Credit Reporting Act. CFPB Enforcement Action Against Equifax Precedent for Your Legal Liability. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a landmark enforcement action against Equifax Inc. and Equifax Information Services LLC, imposing a {$15.00} XXXX penalty for egregious violations of the Fair Credit Reporting Act ( FCRA ). The CFPBs investigation revealed multiple systemic failures, including : Reinserting previously deleted accounts without obtaining legal certification, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nFailing to notify consumers within five ( 5 ) business days of reinsertion, as required under the same statute. Conducting inadequate reinvestigations, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), by ignoring consumer-provided documentation.\n\nRelying exclusively on automated systems ( e.g., e-OSCAR ) instead of conducting a meaningful human review, contrary to obligations under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). The CFPB concluded that Equifax knowingly and willfully engaged in deceptive, unfair, and unlawful credit reporting practices, causing substantial and measurable harm to consumers nationwide. The ruling set a clear precedent : federal regulators will not tolerate systemic FCRA violations.\n\nYour company, Equifax, is once again engaging in the exact same misconduct that prompted the CFPB to file suit against Equifax in XXXX XXXXalleging widespread violations of the Fair Credit Reporting Act ( FCRA ), including : Sham investigations Illegal reinsertion of previously deleted accounts Failure to properly investigate consumer disputes. If these unlawful accounts are not immediately removed from my credit report, I will proceed with litigation without further notice and seek the maximum statutory and punitive damages available under : 15 U.S.C. 1681n 15 U.S.C. 1681o VIOLATIONS OF FEDERAL LAW 1. Violation of 15 U.S.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account.\n\nYou have failed to notify me of this reinsertion within five ( 5 ) business days.\n\n2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted. \nI never received such notice, making this reinsertion unlawful. \nXXXX. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending.\n\nIf this account is still appearing on my report while under review, you are in violation of federal law.\n\n4. Violation of 15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate The furnisher must conduct a meaningful, detailed reinvestigation and can not rely on automated systems like e-OSCAR. \n\nIn XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a mere electronic verification is insufficient under the FCRA. \n\nFORMAL DEMANDS FOR IMMEDIATE AND PERMANENT SUPPRESSION 1. Immediate Suppression of This Account During Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to suppress this account from all versions of my credit report while any reinvestigation is pending. \nIf this account remains visible while under dispute, you are in direct violation of federal law and will face regulatory complaints and civil litigation without further notice. \n2. Permanent Suppression Unless Legally Certified Documentation Is Provided If you or the data furnisher attempt to reinsert this account in the future, you must first provide the following documentation for legal certification and review : A. Complete Investigation Log Full audit trail of all actions taken to verify this account.\n\nNames and employee IDs of individuals involved.\n\nTimestamps of each step performed.\n\nB. Chain-of-Custody Documentation All records showing legal transfer of the account between the original creditor and any third-party furnishers.\n\nCopies of billing statements validating the accuracy and validity of the debt.\n\nC. Internal Communications & Review Notes Internal emails, memos, and notes related to this dispute or reinvestigation.\n\nName and title of the person who certified the accounts accuracy.\n\nD. Full Call Logs and Audio Recordings If any phone-based verification occurred, I demand the complete call recordings and transcripts.\n\nFailure to provide this constitutes an incomplete reinvestigation under the FCRA.\n\nE. Legally Sworn Affidavit from a Senior Corporate Officer of the Data Furnisher A legally sworn affidavit must be signed under penalty of perjury by a senior corporate officer of the data furnisher ( e.g., creditor or collection agency ) not a call center employee or third-party contractor.\n\nThe affidavit must confirm that all submitted documentation is true, complete, accurate, and legally certified in accordance with the Fair Credit Reporting Act.\n\nFailure to provide this affidavit renders any future reinsertion of the account legally invalid.\n\nF. FTC Identity Theft Affidavit Verification Requirement ( Mandatory Under 15 U.S.C 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681m ( e ) ) If an FTC Identity Theft Affidavit was submitted during any previous dispute or investigation concerning the account ( s ) listed in this letter, Equifax is legally obligated to verify the affidavits authenticity with the Federal Trade Commission and provide full documentation of that verification process. Pursuant to your obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), you must produce the following materials without exception : 1. FTC Verification Confirmation The full name, job title, and employee ID of the Equifax representative who contacted the FTC to verify the affidavit.\n\nThe exact date, time, and method of contact used to initiate verification with the FTC ( e.g., phone call, secure database, written correspondence ).\n\nA copy of the FTCs response or confirmation verifying the affidavits validity.\n\nAny FTC-generated complaint ID, reference number, or case tracking number issued at the time of verification.\n\n2. Equifax Internal Investigation & Reference Numbers All internal investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation.\n\nThese must correspond directly to the account ( s ) listed in this letter and be available for audit and litigation purposes.\n\n3. Internal Notes, Agent Logs, and Affidavit Review Trail A complete, time-stamped audit trail of all Equifax personnel who reviewed or handled the FTC affidavit .\n\nInternal notes, memos, and resolution summaries that document how a final decision was reached.\n\nThis includes any delegation of responsibility, approval signatures, or dispute closure decisions.\n\n4. Chain of Custody Documentation ( Affidavit-Specific ) A full set of documents submitted with the FTC affidavit ( e.g., police reports, identity documents, proof of residence ).\n\nA chain-of-custody report detailing when, where, and by whom each document was received, logged, and reviewed.\n\n5. Affidavit Handling Procedures Policy A written copy of Equifaxs standard operating procedures for verifying FTC Identity Theft Affidavits, including internal quality control protocols.\n\nThese procedures must comply with federal mandates under 15 U.S.C. 1681m ( e ) regarding identity theft response practices.\n\nAll materials and records produced in response to this demand must be accompanied by a legally sworn affidavit or certification, signed under penalty of perjury by a senior Equifax officer or authorized compliance official, in accordance with 15 U.S.C. 1681e ( b ) and 1681m ( e ). This affidavit must confirm that all documentation provided is true, complete, accurate, and in full compliance with Equifaxs obligations under the Fair Credit Reporting Act. Any response lacking such certification will be deemed incomplete and noncompliant. Failure to verify the FTC affidavit in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) renders any reinvestigation legally insufficient, any reinsertion unlawful, and your agency without any valid legal defense.\n\nMANDATORY NOTIFICATION TO ALL CREDIT REPORTING AGENCIES Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), you are legally obligated to notify all other nationwide consumer reporting agencies ( Equifax, TransUnion, and Experian, if applicable ) of this dispute within five ( 5 ) business days of receiving it.\n\nFailure to comply with this statutory requirement will constitute a direct violation of federal law and will trigger immediate legal action under the Judge in Five Rule, including demands for expedited judicial relief, statutory damages, and injunctive remedies under the Fair Credit Reporting Act ( FCRA ).\n\nThis notice is formal and time-sensitive. Noncompliance will result in litigation and regulatory escalation without further warning.\n\nADDITIONAL LEGAL NOTICE Prohibited Verification Sources Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), Equifax is legally obligated to conduct all reinvestigations using reliable, independent, and impartial sources of verification. The use of any source that is a subsidiary, affiliate, or financially connected entity of Experian, TransUnion, Equifax, or any national credit reporting agency, constitutes a conflict of interest and invalidates the reinvestigation process. I hereby demand written certification that none of the following conflicted data providers or affiliated entities were used during any reinvestigation related to the disputed account ( XXXX ) : Equifax : The Work Number, Equifax XXXX, Equifax XXXX Experian : XXXX XXXX, Experian XXXX, Experian XXXX XXXX TransUnion : XXXX, XXXX, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Other Prohibited Entities : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Use of any of the above entitiesor any other bureau-controlled or bureau-funded sourceviolates the legal requirement for a fair and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Any reinvestigation that relied on these parties will constitute a willful violation of federal law, render the outcome legally invalid, and result in immediate legal action, including the pursuit of statutory, punitive, and injunctive relief under 15 U.S.C. 1681n and 1681o.\n\nLEGAL CONSEQUENCES FOR NONCOMPLIANCE If these demands are not fully satisfied within fifteen ( 15 ) calendar days, I will initiate the following actions : 1. File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and [ Your State ] Attorney General.\n\n2. File suit in federal court under 15 U.S.C. 1681n and 1681o, seeking : Statutory damages of {$1000.00} per violation Punitive damages Full reimbursement of attorneys fees and court costs 3. Submit a formal request for an audit of your reinvestigation procedures and consumer dispute handling practices.\n\nFINAL NOTICE : COMPLY OR FACE IMMEDIATE LEGAL ACTION This letter serves as your final legal notice. Your agency is in active violation of multiple federal statutes under the Fair Credit Reporting Act. Failure to comply within the specified timeframe will result in immediate legal action to the fullest extent of the law.\n\nI expect the following without delay : Written acknowledgment within five ( 5 ) business days Full resolution within fifteen ( 15 ) calendar days THIS IS YOUR FINAL OPPORTUNITY TO AVOID LITIGATION.","date_sent_to_company":"2025-08-01T02:17:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30309","tags":null,"has_narrative":true,"complaint_id":"14990007","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T01:14:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Equifax <em>Internal</em> Investigation & Reference Numbers All <em>internal</em> investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation.\n\nThese must correspond directly to the account ( s ) listed in this letter and be available for <em>audit</em> and litigation purposes.\n\n3. <em>Internal</em> Notes, Agent Logs, and Affidavit <em>Review</em> Trail A complete, time-stamped <em>audit</em> trail of all Equifax personnel who <em>reviewed</em> or handled the FTC affidavit ."]},"sort":[13.67106,"14990007"]},{"_index":"complaint-public-v1","_id":"13168605","_score":13.596268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Suppression and Legal Compliance FCRA Violations Involving Unlawful Reinsertion To Whom It May Concern, I am writing to formally notify your agency that Experian has unlawfully reinserted an account that was previously removed from my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( b ). This letter constitutes my final warning before initiating legal action.\n\nAccount ( s ) in Question The reinserted account ( s ) at issue in this dispute are as follows : XXXX XXXX Account ending in [ XXXX These accounts were previously removed after formal disputes and have now been unlawfully reinserted into my Experian credit file without proper certification from the data furnisher and without the legally required notice to me, as required by federal law. \nYour agencys actions not only mirror the conduct that led the Consumer Financial Protection Bureau ( CFPB ) to fine XXXX {$15.00} XXXX in XX/XX/XXXX, but also reflect the very behavior for which Experian itself is currently being sued by the CFPB. That lawsuitfiled in XXXX XXXXalleges that Experian engaged in sham investigations, unlawful reinsertions, and failed to adequately respond to consumer disputes, all in direct violation of federal law. \n\nThis reinsertion occurred without legally required notice, certification, or a legitimate reinvestigation. If this account is not immediately removed and suppressed during reinvestigation, I will pursue litigation without further notice, along with regulatory complaints and all available legal remedies under the Fair Credit Reporting Act. \n\n\n\nCFPB Enforcement Action Against XXXX Precedent for Your Legal Liability On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a landmark enforcement action against XXXX XXXXXXXX and XXXX  XXXX XXXX XXXX, imposing a {$15.00} XXXX penalty for egregious violations of the Fair Credit Reporting Act ( FCRA ). The CFPBs investigation revealed multiple systemic failures, including : Reinserting previously deleted accounts without obtaining legal certification, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nFailing to notify consumers within five ( 5 ) business d\nays of reinsertion, as required under the same statute.\n\nConducting inadequate reinvestigations, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), by ignoring consumer-provided documentation.\n\nRelying exclusively on automated systems ( e.g., e-OSCAR ) instead of conducting a meaningful human review, contrary to obligations under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). \nThe CFPB concluded that XXXX knowingly and willfully engaged in deceptive, unfair, and unlawful credit reporting practices, causing substantial and measurable harm to consumers nationwide. The ruling set a clear precedent : federal regulators will not tolerate systemic FCRA violations. \nExperian is now engaging in the exact same misconduct, which is why the CFPB filed suit against your agency in XX/XX/XXXX, alleging widespread violations of the FCRAincluding sham investigations, illegal reinsertion of deleted accounts, and failure to properly investigate consumer disputes. \nThe precedent has been set. If XXXX can be fined, and Experian can be sued, then Experian can also be held fully accountable in this matter. If this unlawful account is not immediately removed from my credit report, I will proceed with litigation without further notice, and pursue maximum statutory and punitive damages under 15 U.S.C. 1681n and 1681o, in addition to filing complaints with the CFPB, FTC, and Attorney General. \nTo be absolutely clear, your agency is currently in violation of the following federal statutes : VIOLATIONS OF FEDERAL LAW Violation of 15 U.S.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account.\n\nYou have failed to notify me of this reinsertion within five ( 5 )\nbusiness days.\n\nViolation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted.\n\nI never received such notice, making this reinsertion unlawful.\n\nViolation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending. \nIf this account is still appearing on my report while under review, you are in violation of federal law.\n\nViolation of 15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate The furnisher must conduct a meaningf\nul, detailed reinvestigation and can not rely on automated systems like e-OSCAR. \n\nIn XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that a mere electronic verification is insufficient under the FCRA. \n\n\n\nFORMAL DEMANDS FOR IMMEDIATE AND PERMANENT SUPPRESSION Immediate Suppression of This Account During Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to suppress this account from all versions of my credit report while any reinvestigation is pending. \nIf this account remains visible while under dispute, you are in direct violation of federal law and will face regulatory complaints and civil litigation without further notice. \nPermanent Suppression Unless Legally Certified Documentation Is Provided If you or the data furnisher attempt to reinsert this account in the future, you must first provide the following documentation for legal certification and review : Complete Investigation Log Full audit trail of all actions taken to verify this account.\n\nNames and employee IDs of individuals involved. \n\nTimestamps of each step performed. \n\nChain-of-Custody Documentation All records showing legal transfer of the account between the original creditor and any third-party furnishers. \nCopies of billing statements validating the accuracy and validity of the debt.\n\nInternal Communications & Review Notes Internal emails, memos, and notes related to this dispute or reinvestigation. \n\nName and title of the person who certified the accounts accuracy.\n\nFull Call Logs and Audio Recordings If any phone-based verification occurred, I demand the complete call recordings and transcripts. \nFailure to provide this constitutes an incomplete reinvestigation under the FCRA. \nLegally Sworn Affidavit from a Senior Corporate Officer of the Data Furnisher A legally sworn affidavit must be signed under penalty of perjury by a senior corporate officer of the data furnisher ( e.g., creditor or collection agency ) not a c\nall center employee or third-party contractor. \nThe affidavit must confirm that all submitted documentation is true, complete, accurate, and legally certified in accordance with the Fair Credit Reporting Act. \nFailure to provide this affidavit renders any future reinsertion of the account legally invalid.\n\nFTC Identity Theft Affidavit Verification Requirement ( Mandatory Under 15 U.S.C 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681m ( e ) ) If an FTC Identity Theft Affidavit was submitted during any previous dispute or investigation concerning the account ( s ) listed in this letter, Experian is legally obligated to verify the affidavits authenticity with the Federal Trade Commission and provide full documentation of that verification process. Pursuant to your obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), you must produce the following materials without exception : FTC Verification Confirmation The full name, job title, and employee ID of the Experian representative who contacted the FTC to verify the affidavit. \n\nThe exact date, time, and method of contact used to initiate verification with the FTC ( e.g., phone call, secure database, written correspondence ). \n\nA copy of the FTCs response or confirmation verifying the affidavits validity. \n\nAny FTC-generated complaint ID, reference number, or case tracking number issued at the time of verification. \n\nExperian Internal Investigation & Reference Numbers All internal investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation. \n\nThese must correspond directly to the account ( s ) listed in this letter and be available for audit and litigation purposes.\n\nInternal Notes, Agent Logs, and Affidavit Review Trail A complete, time-stamped audit trail of all Experian personnel who reviewed or handled the FTC affidavit .\n\nInternal notes, memos, and resolution summaries that document how a final decision was reached. \n\nThis includes any delegation of responsibility, approval signatures, or dispute closure decisions. \n\nChain of Custody Documentation ( Affidavit-Specific ) A full set of documents submitted with the FTC affidavit XXXX e.g., police reports, identity documents, proof of residence ). \n\nA chain-of-custody report detailing when, where, and by whom each document was received, logged, and reviewed. \n\nAffidavit Handling Procedures Policy A written copy of Experians standard operating procedures for verifying FTC Identity Theft Affidavits, including internal quality control protocols. \nThese procedures must comply with federal mandates under 15 U.S.C. 1681m ( e ) regarding identity theft response practices.\n\nAll materials and records produced in response to this demand must be accompanied by a legally sworn affidavit or certification, signed under penalty of perjury by a senior Experian officer or\nauthorized compliance official, in accordance with 15 U.S.C. 1681e ( b ) and 1681m ( e ). This affidavit must confirm that all documentation provided is true, complete, accurate, and in full compliance with Experians obligations under the Fair Credit Reporting Act. Any response lacking such certification will be deemed incomplete and noncompliant.\n\nFailure to verify the FTC affidavit in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) renders any reinvestigation legally insufficient, any reinsertion unlawful, and you\nr agency without any valid legal defense.\n\nMANDATORY NOTIFICATION TO ALL CREDIT REPORTING AGENCIES Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), you are legally obligated to notify all other nationwide consumer reporting agencies XXXX XXXX TransUnion, and Experian, if applicable ) of this dispute within five ( 5 ) business days of receiving it.\n\nFailure to comply with this statutory requirement \nwill constitute a direct violation of federal law and will trigger immediate legal action under the Judge in Five Rule, including demands for expedited judicial relief, statutory damages, and injunctive remedies under the Fair Credit Reporting Act ( FCRA ).\n\nThis notice is formal and time-sensitive. Noncompliance will result in litigation and regulatory escalation without further warning.\n\nADDITIONAL LEGAL NOTICE Prohibited Verification Sources Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), Experian is legally obligated to conduct all reinvestigations using reliable, independent, and impartial sources of verification. The use of any source that is a subsidiary, affiliate, or financially connected entity of Experian, TransUnion, XXXX or any national credit reporting agency constitutes a conflict of interest and invalidates the reinvestigation process. \nI hereby demand written certification that none of the following conflicted data providers or affiliated entities were used during any reinvestigation related to the disputed account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian : Clarity Services, Experian RentBureau, Experian Decision Analytics TransUnion : XXXX, XXXX, TransUnion Rental Screening Solutions XXXX XXXX XXXX Other Prohibited Entities : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Early XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX \nUse of any of the above entitiesor any other bureau-controlled or bureau-funded sourceviolates the legal requirement for a fair and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Any reinvestigation that relied on these parties will constitute a willful violation of federal law, render the outcome legally invalid, and result in immediate legal action, including the pursuit of statutory, punitive, and injunctive relief under 15 U.S.C. 1681n and 1681o.","date_sent_to_company":"2025-04-25T01:07:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34761","tags":null,"has_narrative":true,"complaint_id":"13168605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-25T01:07:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Experian <em>Internal</em> Investigation & Reference Numbers All <em>internal</em> investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation. \n\nThese must correspond directly to the account ( s ) listed in this letter and be available for <em>audit</em> and litigation purposes.\n\n<em>Internal</em> Notes, Agent Logs, and Affidavit <em>Review</em> Trail A complete, time-stamped <em>audit</em> trail of all Experian personnel who <em>reviewed</em> or handled the FTC affidavit ."]},"sort":[13.596268,"13168605"]},{"_index":"complaint-public-v1","_id":"13148752","_score":13.539434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Suppression and Legal Compliance FCRA Violations Involving Unlawful Reinsertion To Whom It May Concern, I am writing to formally notify your agency that Experian has unlawfully reinserted an account that was previously removed from my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( b ). This letter constitutes my final warning before initiating legal action.\n\nAccount ( s ) in Question The reinserted account ( s ) at issue in this dispute are as follows : XXXX XXXX Account ending in [ XXXX These accounts were previously removed after formal disputes and have now been unlawfully reinserted into my Experian credit file without proper certification from the data furnisher and without the legally required notice to me, as required by federal law. \nYour agencys actions not only mirror the conduct that led the Consumer Financial Protection Bureau ( CFPB ) to fine XXXX {$15.00} XXXX in XX/XX/XXXX, but also reflect the very behavior for which Experian itself is currently being sued by the CFPB. That lawsuitfiled in XXXX XXXXalleges that Experian engaged in sham investigations, unlawful reinsertions, and failed to adequately respond to consumer disputes, all in direct violation of federal law. \n\nThis reinsertion occurred without legally required notice, certification, or a legitimate reinvestigation. If this account is not immediately removed and suppressed during reinvestigation, I will pursue litigation without further notice, along with regulatory complaints and all available legal remedies under the Fair Credit Reporting Act. \n\n\n\nCFPB Enforcement Action Against XXXX Precedent for Your Legal Liability On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a landmark enforcement action against XXXX XXXXXXXX and XXXX  XXXX XXXX XXXX, imposing a {$15.00} XXXX penalty for egregious violations of the Fair Credit Reporting Act ( FCRA ). The CFPBs investigation revealed multiple systemic failures, including : Reinserting previously deleted accounts without obtaining legal certification, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nFailing to notify consumers within five ( 5 ) business d\nays of reinsertion, as required under the same statute.\n\nConducting inadequate reinvestigations, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), by ignoring consumer-provided documentation.\n\nRelying exclusively on automated systems ( e.g., e-OSCAR ) instead of conducting a meaningful human review, contrary to obligations under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). \nThe CFPB concluded that XXXX knowingly and willfully engaged in deceptive, unfair, and unlawful credit reporting practices, causing substantial and measurable harm to consumers nationwide. The ruling set a clear precedent : federal regulators will not tolerate systemic FCRA violations. \nExperian is now engaging in the exact same misconduct, which is why the CFPB filed suit against your agency in XX/XX/XXXX, alleging widespread violations of the FCRAincluding sham investigations, illegal reinsertion of deleted accounts, and failure to properly investigate consumer disputes. \nThe precedent has been set. If XXXX can be fined, and Experian can be sued, then Experian can also be held fully accountable in this matter. If this unlawful account is not immediately removed from my credit report, I will proceed with litigation without further notice, and pursue maximum statutory and punitive damages under 15 U.S.C. 1681n and 1681o, in addition to filing complaints with the CFPB, FTC, and Attorney General. \nTo be absolutely clear, your agency is currently in violation of the following federal statutes : VIOLATIONS OF FEDERAL LAW Violation of 15 U.S.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account.\n\nYou have failed to notify me of this reinsertion within five ( 5 )\nbusiness days.\n\nViolation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted.\n\nI never received such notice, making this reinsertion unlawful.\n\nViolation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending. \nIf this account is still appearing on my report while under review, you are in violation of federal law.\n\nViolation of 15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate The furnisher must conduct a meaningf\nul, detailed reinvestigation and can not rely on automated systems like e-OSCAR. \n\nIn XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that a mere electronic verification is insufficient under the FCRA. \n\n\n\nFORMAL DEMANDS FOR IMMEDIATE AND PERMANENT SUPPRESSION Immediate Suppression of This Account During Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to suppress this account from all versions of my credit report while any reinvestigation is pending. \nIf this account remains visible while under dispute, you are in direct violation of federal law and will face regulatory complaints and civil litigation without further notice. \nPermanent Suppression Unless Legally Certified Documentation Is Provided If you or the data furnisher attempt to reinsert this account in the future, you must first provide the following documentation for legal certification and review : Complete Investigation Log Full audit trail of all actions taken to verify this account.\n\nNames and employee IDs of individuals involved. \n\nTimestamps of each step performed. \n\nChain-of-Custody Documentation All records showing legal transfer of the account between the original creditor and any third-party furnishers. \nCopies of billing statements validating the accuracy and validity of the debt.\n\nInternal Communications & Review Notes Internal emails, memos, and notes related to this dispute or reinvestigation. \n\nName and title of the person who certified the accounts accuracy.\n\nFull Call Logs and Audio Recordings If any phone-based verification occurred, I demand the complete call recordings and transcripts. \nFailure to provide this constitutes an incomplete reinvestigation under the FCRA. \nLegally Sworn Affidavit from a Senior Corporate Officer of the Data Furnisher A legally sworn affidavit must be signed under penalty of perjury by a senior corporate officer of the data furnisher ( e.g., creditor or collection agency ) not a c\nall center employee or third-party contractor. \nThe affidavit must confirm that all submitted documentation is true, complete, accurate, and legally certified in accordance with the Fair Credit Reporting Act. \nFailure to provide this affidavit renders any future reinsertion of the account legally invalid.\n\nFTC Identity Theft Affidavit Verification Requirement ( Mandatory Under 15 U.S.C 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681m ( e ) ) If an FTC Identity Theft Affidavit was submitted during any previous dispute or investigation concerning the account ( s ) listed in this letter, Experian is legally obligated to verify the affidavits authenticity with the Federal Trade Commission and provide full documentation of that verification process. Pursuant to your obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ), you must produce the following materials without exception : FTC Verification Confirmation The full name, job title, and employee ID of the Experian representative who contacted the FTC to verify the affidavit. \n\nThe exact date, time, and method of contact used to initiate verification with the FTC ( e.g., phone call, secure database, written correspondence ). \n\nA copy of the FTCs response or confirmation verifying the affidavits validity. \n\nAny FTC-generated complaint ID, reference number, or case tracking number issued at the time of verification. \n\nExperian Internal Investigation & Reference Numbers All internal investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation. \n\nThese must correspond directly to the account ( s ) listed in this letter and be available for audit and litigation purposes.\n\nInternal Notes, Agent Logs, and Affidavit Review Trail A complete, time-stamped audit trail of all Experian personnel who reviewed or handled the FTC affidavit .\n\nInternal notes, memos, and resolution summaries that document how a final decision was reached. \n\nThis includes any delegation of responsibility, approval signatures, or dispute closure decisions. \n\nChain of Custody Documentation ( Affidavit-Specific ) A full set of documents submitted with the FTC affidavit XXXX e.g., police reports, identity documents, proof of residence ). \n\nA chain-of-custody report detailing when, where, and by whom each document was received, logged, and reviewed. \n\nAffidavit Handling Procedures Policy A written copy of Experians standard operating procedures for verifying FTC Identity Theft Affidavits, including internal quality control protocols. \nThese procedures must comply with federal mandates under 15 U.S.C. 1681m ( e ) regarding identity theft response practices.\n\nAll materials and records produced in response to this demand must be accompanied by a legally sworn affidavit or certification, signed under penalty of perjury by a senior Experian officer or\nauthorized compliance official, in accordance with 15 U.S.C. 1681e ( b ) and 1681m ( e ). This affidavit must confirm that all documentation provided is true, complete, accurate, and in full compliance with Experians obligations under the Fair Credit Reporting Act. Any response lacking such certification will be deemed incomplete and noncompliant.\n\nFailure to verify the FTC affidavit in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) renders any reinvestigation legally insufficient, any reinsertion unlawful, and you\nr agency without any valid legal defense.\n\nMANDATORY NOTIFICATION TO ALL CREDIT REPORTING AGENCIES Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), you are legally obligated to notify all other nationwide consumer reporting agencies XXXX XXXX TransUnion, and Experian, if applicable ) of this dispute within five ( 5 ) business days of receiving it.\n\nFailure to comply with this statutory requirement \nwill constitute a direct violation of federal law and will trigger immediate legal action under the Judge in Five Rule, including demands for expedited judicial relief, statutory damages, and injunctive remedies under the Fair Credit Reporting Act ( FCRA ).\n\nThis notice is formal and time-sensitive. Noncompliance will result in litigation and regulatory escalation without further warning.\n\nADDITIONAL LEGAL NOTICE Prohibited Verification Sources Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), Experian is legally obligated to conduct all reinvestigations using reliable, independent, and impartial sources of verification. The use of any source that is a subsidiary, affiliate, or financially connected entity of Experian, TransUnion, XXXX or any national credit reporting agency constitutes a conflict of interest and invalidates the reinvestigation process. \nI hereby demand written certification that none of the following conflicted data providers or affiliated entities were used during any reinvestigation related to the disputed account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian : Clarity Services, Experian RentBureau, Experian Decision Analytics TransUnion : XXXX, XXXX, TransUnion Rental Screening Solutions XXXX XXXX XXXX Other Prohibited Entities : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Early XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX \nUse of any of the above entitiesor any other bureau-controlled or bureau-funded sourceviolates the legal requirement for a fair and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Any reinvestigation that relied on these parties will constitute a willful violation of federal law, render the outcome legally invalid, and result in immediate legal action, including the pursuit of statutory, punitive, and injunctive relief under 15 U.S.C. 1681n and 1681o.","date_sent_to_company":"2025-04-25T01:07:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34761","tags":null,"has_narrative":true,"complaint_id":"13148752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-25T00:36:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Experian <em>Internal</em> Investigation & Reference Numbers All <em>internal</em> investigation, tracking, and dispute file numbers associated with the identity theft dispute and reinvestigation. \n\nThese must correspond directly to the account ( s ) listed in this letter and be available for <em>audit</em> and litigation purposes.\n\n<em>Internal</em> Notes, Agent Logs, and Affidavit <em>Review</em> Trail A complete, time-stamped <em>audit</em> trail of all Experian personnel who <em>reviewed</em> or handled the FTC affidavit ."]},"sort":[13.539434,"13148752"]},{"_index":"complaint-public-v1","_id":"19724589","_score":11.546583,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing in formal response to Capital Ones letter dated XX/XX/XXXX, regarding the above-referenced accounts XXXX. After carefully reviewing your response and the documentation provided, I must formally dispute your conclusions and reiterate that I do not recognize, authorize, or accept responsibility for the accounts ending in XXXX and XXXX. \n\nYour letter states that after an internal investigation, Capital One believes the accounts belong to me. However, your determination appears to rely primarily on internal database correlations and generalized public-record associations rather than legally sufficient proof of contractual liability. I am requesting competent evidencenot assumptions, correlations, or internal conclusions. \n\n1. Alleged Online Applications You state that : Account ending in XXXX was opened on XX/XX/XXXXXXXX  via online application. \n\nAccount ending in XXXX was opened on XX/XX/XXXXXXXX  via online application. \n\nXXXX An online application alone does not establish lawful contractual formation without demonstrable proof of : The IP address used at the time of submission The device fingerprint The geolocation of submission Authentication logs Electronic signature validation records Multi-factor identity verification results To date, you have not provided : A copy of the complete application The full terms agreed to at the time of submission Timestamp metadata IP logs Proof of identity verification procedures used Under federal and state law governing electronic transactions, a creditor must be able to demonstrate assent, identity verification, and proper authentication. Merely stating that an application was submitted online does not satisfy evidentiary standards for proving contractual liability. \n\nIf these accounts were opened through fraud, identity theft, or unauthorized digital activity, then internal reliance on data points without full authentication documentation is insufficient. \n\n2. Reliance on Public Record Address Linkage Your letter repeatedly states that addresses such as : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX were linked to me by public records XXXX. \n\nPublic record linkage does not prove that I personally opened these accounts. Public record address associations can occur due to : Data aggregation errors Mixed consumer files Prior residency not connected to application activity Identity compromise Third-party database inaccuracies The Fair Credit Reporting Act requires maximum possible accuracy, not probabilistic association. \n\nYou must provide : The actual documentary evidence proving that I personally submitted the applications. \n\nThe full underwriting file. \n\nThe identity verification checklist completed at origination. \n\nWithout this, your conclusion is unsupported. \n\n3. Alleged Recorded Phone Calls You claim that recorded calls from XX/XX/XXXXXXXX  confirm that I contacted Capital One and acknowledged the accounts XXXX. \n\nIf that is your position, then I formally request : The complete, unedited audio recordings. \n\nThe metadata for those recordings. \n\nThe caller ID logs. \n\nThe authentication questions asked and answered. \n\nProof that the caller was verified beyond surface-level information. \n\nIdentity theft victims are frequently targeted through : Account takeovers. \n\nSocial engineering. \n\nCaller ID spoofing. \n\nData breach exploitation. \n\nA recorded call does not automatically prove identity unless you can demonstrate secure identity authentication. \n\n4. Alleged Social Security and Date of Birth Verification Your letter states that the Social Security number and date of birth were verified as mine XXXX. \n\nAgain, this is not sufficient proof. If my personal information was compromised through : A data breach, Prior identity theft, Unauthorized disclosure, Phishing, Dark web exposure, then the presence of correct SSN and DOB does not establish that I personally opened the accounts. \n\nThe Federal Trade Commission recognizes that identity thieves often possess full SSN and DOB information.\n\nI previously notified relevant agencies regarding identity theft concerns. Under the FCRA 605B ( Block of Information Resulting from Identity Theft ), furnishers must block reporting upon receipt of an identity theft report unless they can prove the information is accurate and attributable to the consumer. \n\nYou have not provided documentary proof that satisfies this standard. \n\n5. Alleged Settlement Payments Your letter states that : Account XXXX charged off XX/XX/XXXXXXXX  and was settled XX/XX/XXXXXXXX  for {$110.00}. \n\nAccount XXXX charged off XX/XX/XXXXXXXX  and was settled XX/XX/XXXXXXXX  for {$110.00}. \n\nXXXX I do not recall authorizing these settlements. \n\nIf payments were made, you must provide : The source account numbers. \n\nACH authorization forms. \n\nIP addresses for online payments. \n\nPayment instrument copies. \n\nBank routing confirmation. \n\nIf payments were made from an account not owned or controlled by me, that is further evidence of fraud. If payments were made from an account linked to me, you must prove that I personally authorized them. \n\nA payment does not constitute admission of liability if it was made under confusion, misrepresentation, or identity compromise. \n\n6. Refusal to Provide Documentation Without Additional Identification Your letter states that you will not provide application or billing statements without notarized request and two forms of ID XXXX. \n\nI find this contradictory because : You claim you verified my identity sufficiently to conclude I am liable. \n\nYet you now claim you can not verify me sufficiently to provide documents. \n\nIf you have already verified identity to attribute liability, then you should be able to provide the documentation relied upon. \n\nWithholding documentation while continuing reporting places me at a procedural disadvantage. \n\n7. Continued Reporting to Credit Reporting Agencies You state that you have asked CRAs to resume reporting and that the accounts will reflect for up to seven years XXXX. \n\nIf the accounts are fraudulent, continued reporting violates : FCRA 1681s-2 ( a ) ( duty to report accurately ) FCRA 1681s-2 ( b ) ( duty to investigate disputes ) FCRA 605B ( identity theft blocking requirements ) If you can not produce : The original signed contract, Full chain of authentication evidence, Device/IP forensic proof, Valid authorization of settlement, then continued reporting constitutes reckless disregard for accuracy. \n\n8. Cease and Desist Status You indicate the accounts are in cease and desist status XXXX. \n\nWhile you state this is not an attempt to collect, the continued furnishing of derogatory data functions as economic collection pressure. \n\nCredit reporting impacts : Mortgage eligibility Auto financing Employment background checks Insurance underwriting Thus, reporting is materially harmful. \n\n9. Customer Agreement Inclusion The enclosed Customer Agreement ( pages 12-17 ) outlines general account terms XXXX. \n\nHowever, providing a generic agreement does not establish that I personally agreed to those terms. \n\nYou must provide : The version of the agreement in effect on the date of application. \n\nProof that I electronically accepted that version. \n\nThe digital consent trail.\n\n10. Formal Demands Accordingly, I formally demand : Complete copy of original applications ( both accounts ).\n\nFull IP/device submission logs. \n\nAuthentication audit trail.\n\nComplete payment source documentation. \n\nFull call recordings with metadata. \n\nInternal fraud investigation file. \n\nProof of settlement authorization. \n\nImmediate cessation of reporting pending reinvestigation.\n\nIf you can not produce this documentation, then you must : Permanently delete the tradelines. \n\nInstruct XXXX, XXXX, and XXXX  to remove them. \n\nProvide written confirmation of deletion. \n\n11. Reservation of Rights I reserve all rights under : Fair Credit Reporting Act Fair Debt Collection Practices Act ( if applicable ) Virginia law ( as referenced in your agreement ) XXXX Electronic Signatures in Global and National Commerce Act ( E-SIGN ) If inaccurate reporting continues without proper evidentiary support, I will pursue all remedies available. \n\nConclusion Capital Ones XX/XX/XXXXXXXX  letter XXXX relies on internal conclusions rather than competent documentary evidence. \n\nI do not recognize these accounts as mine. I dispute liability in full. I demand proper verification or deletion. \n\nUntil legally sufficient proof is produced, continued reporting is improper and damaging. \n\nI expect a substantive response within 30 days.","date_sent_to_company":"2026-02-24T01:31:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63135","tags":null,"has_narrative":true,"complaint_id":"19724589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-24T01:11:36.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Authentication <em>audit</em> trail.\n\nComplete payment source documentation. \n\nFull <em>call</em> recordings with metadata. \n\n<em>Internal</em> fraud investigation file. \n\nProof of settlement authorization. \n\nImmediate cessation of reporting pending reinvestigation.\n\nIf you can not produce this documentation, then you must : Permanently delete the tradelines. \n\nInstruct XXXX, XXXX, and XXXX  to remove them. \n\nProvide written confirmation of deletion. \n\n11."]},"sort":[11.546583,"19724589"]},{"_index":"complaint-public-v1","_id":"20145800","_score":8.214329,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint to formally document a series of events involving unauthorized ACH debits, merchant processing security failures, and the handling of a fraud investigation by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Atlantic Union Bank. This complaint concerns the merchant account used by my business, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and the business operating account maintained with Atlantic Union Bank.The purpose of this complaint is to request regulatory review of the actions and non-actions of the parties involved, the handling of reported fraudulent transactions, and the failure to provide adequate investigation transparency or remediation.Beginning XX/XX/XXXX, I began preparing my accounting and tax practice for the XXXX tax filing season. This preparation included acquiring tax preparation software, accounting systems, payment processing infrastructure, and operational workflow systems required to serve clients. As a small woman-owned business operating in the tax and accounting field, the majority of annual revenue is generated during the tax season. XXXX for that season required approximately XXXX hours per week between XX/XX/XXXX and XX/XX/XXXX, representing roughly XXXX hours of operational preparation.Beginning XX/XX/XXXX, multiple debits associated with XXXX XXXX XXXX began appearing in the operating account connected to my business. These transactions included withdrawals of {$610.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$98.00} on XX/XX/XXXX ; {$600.00} and {$600.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; and a chargeback debit of {$840.00} on XX/XX/XXXX. These withdrawals were not authorized by me.The fraudulent activity was verbally reported to Atlantic Union Bank on XX/XX/XXXX via phone and I was told the XXXX would return my calls. I reported the incident multiple times fromJan XXXX, XXXX through XX/XX/XXXX before it was acted upon.This date should represent the date of notice that the account had been compromised. A Written Statement of Unauthorized Debit was later submitted on XX/XX/XXXX, XXXX XXXX  XXXX subsequently acknowledged in writing that fraudulent activity occurred on the merchant account. Communications from their fraud investigation team indicated that the fraudulent transactions were associated with exposure of an API key connected to the merchant account through a third-party vendor environment associated with the payment processing system.Despite this acknowledgement from the payment processor that the account credentials were compromised, Atlantic Union Bank later informed me that my fraud claims were denied.During a phone call with Atlantic Union Bank to discuss the matter, I requested confirmation of the status of the fraud investigation. I was informed that two cases existed : Case number XXXX for an amount of {$3700.00} and Case number XXXX for an amount of {$840.00}. I was told that both cases were closed and denied.I requested the name of the investigator responsible for the investigation and the department that handled the matter. I was informed that the bank could not provide the name of the investigator or identify the department responsible.I also requested confirmation of the investigation timeline and the date the investigation had been completed. I was informed that the investigation was completed on XX/XX/XXXX ; however, I was not notified of that determination when it occurred.During the same call I asked why additional transactions were allowed to process after the fraud had been reported on XX/XX/XXXX. I also asked what protective measures had been taken by the bank to prevent further debits after the fraud was reported, including XXXX blocks or merchant debit restrictions. The representative stated that these questions would be passed on to the dispute team but could not provide answers.I also asked whether the bank would reimburse overdraft fees and related charges that resulted from the unauthorized debits and the resulting negative account balance. The representative again stated that this question would be forwarded to the dispute team.The fraudulent activity and the resulting dispute occurred immediately before and during the beginning of tax season. Because the merchant processing system could no longer be trusted, I was forced to transition to a new payment processor and new software systems during the busiest period of the year for my business.In addition to the financial withdrawals themselves, I have spent approximately XXXX hours investigating the incident, compiling documentation, communicating with both XXXX and Atlantic Union Bank, filing a police report documenting the fraud, and reconstructing financial records.The unauthorized debits and the subsequent handling of the investigation caused significant operational disruption to my business during tax season and contributed to the operating account becoming negative. I also received notice indicating that the account could potentially be closed, despite the fact that the negative balance resulted from the disputed fraudulent transactions.I am requesting that the appropriate regulatory authorities review the actions and responses of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Atlantic Union Bank with respect to the handling of this matter. Specifically, I request review of the following issues : The security incident involving exposure of merchant API credentials associated with XXXX XXXX XXXX.The unauthorized debits processed through the merchant account infrastructure.The handling of the fraud investigation by Atlantic Union Bank following notice of the fraud on XX/XX/XXXX, XXXX denial of the fraud claims despite the payment processors acknowledgement that the account credentials were compromised.The failure to provide transparency regarding the investigator responsible for the determination.The failure to provide timely notice of the investigation outcome.The operational and financial harm resulting from the incident and the delayed resolution.I respectfully request that this matter be reviewed and that any appropriate corrective actions or enforcement measures be taken.Thank you for your time and consideration. \n\nAttachment Re : Notice of Evidence Preservation and Litigation Hold / XXXX XXXX XXXX XXXX XXXX  // XXXX to XXXX  XXXX XXXX and Atlantic Union Bank.eml added.Conversation opened. 1 read message. \n\nSkip to content Using XXXX with screen readers in : sent XXXX of XXXX Re : Notice XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX XXXX XXXX // XXXX to XXXX  XXXX XXXX and Atlantic Union Bank XXXX XXXX XXXX XXXX XXXX XXXXe XXXX XXXX ( XXXX minutes ago ) to Legal.Escalations, XXXX, XXXX To the Legal Department XXXX This correspondence constitutes a formal notice of claim and demand for remediation concerning fraudulent activity processed through the merchant account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account was established through XXXX XXXX XXXX, XXXX, a subsidiary of XXXX XXXX XXXX, and was linked to the business operating account maintained at Atlantic Union Bank. \n\nThe purpose of this notice is to formally document the facts surrounding the incident, provide notice of resulting damages, request preservation of evidence, and provide an opportunity for resolution prior to further regulatory or legal action. \n\nBackground and Relationship Heartland Payment Systems services were introduced to the account holder through an Atlantic Union Bank referral relationship beginning in XX/XX/XXXX. Through that referral, XXXX provided merchant payment processing services to XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. \n\nBeginning XX/XX/XXXX, the firm began preparing operational systems for the upcoming XXXX tax filing season. These preparations included acquisition of tax software, accounting software, payment processing infrastructure, and operational workflow systems required to serve tax clients. Approximately XXXX hours per week were devoted to operational preparation between XX/XX/XXXX and XX/XX/XXXX, representing approximately XXXX hours of preparation. \n\nThese preparations were designed to allow the firm to operate at full capacity during the XXXX tax filing season, which represents the primary revenue period for the business. \n\nUnauthorized Activity Beginning XX/XX/XXXX, multiple unauthorized debits associated with XXXX merchant processing activity appeared in the operating account held at Atlantic Union Bank. The transactions include, but are not limited to, the following debits reflected in the account history : XX/XX/XXXX {$610.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$840.00} chargeback These withdrawals were not authorized by the merchant. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX acknowledged that fraudulent transactions had occurred on the account. Subsequent correspondence on XX/XX/XXXX further indicated that the fraudulent transactions were believed to have resulted from exposure of an API key associated with the merchant account through a third-party technology vendor connected to the XXXX / XXXX XXXX  infrastructure. \n\nThe merchant did not provide API credentials to any third party and did not operate any online payment portal capable of exposing such credentials. \n\nOperational Impact The fraudulent activity occurred immediately before and during the beginning of the XXXX tax filing season. \n\nAs a direct result of the incident, the firm was forced to discontinue use of the XXXX XXXX  processing system and migrate to a new payment processor and software infrastructure during tax season. This migration required emergency operational changes that significantly disrupted the firms ability to invoice clients and receive payments. \n\nIn addition, the account holder has spent approximately XXXX hours investigating the incident, communicating with financial institutions, compiling documentation, filing reports, consulting cybersecurity professionals, and reconstructing financial records. \n\nThe disruption occurred during the primary operational period for the business and materially interfered with the firms ability to operate during tax season. \n\nPolice Report and XXXX XXXX A police report has been filed documenting the fraudulent activity affecting the business account. \n\nThe unauthorized withdrawals, related chargebacks, overdraft fees, operational disruption, and forced migration of payment systems caused significant financial harm to the business and placed the operating account in a negative condition. \n\nThe total financial impact of the incident is currently being reconstructed through a detailed forensic accounting analysis and is expected to exceed the direct transaction amounts reflected above due to operational disruption, lost revenue, and professional time devoted to the investigation. \n\nDemand for Remediation Accordingly, Make Cents Bookkeeping and XXXX XXXX, XXXX demands the following actions from XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX : Immediate reimbursement of unauthorized debits and related chargebacks. \n\nReimbursement of bank fees and costs incurred as a direct result of the unauthorized activity. \n\nWritten explanation of the security incident involving exposure of the merchant API key and the identity of the third-party vendor referenced in your XX/XX/XXXX correspondence. \n\nConfirmation that the merchant account has been permanently secured and that no further debits will occur. \n\nWritten confirmation that the merchant will not be held liable for fraudulent transactions resulting from the processors infrastructure or vendor environment. \n\nPreservation of Evidence You are hereby instructed to preserve all documents, communications, system logs, transaction records, audit logs, API credential records, vendor security reviews, and internal investigative materials related to this incident. \n\nThis preservation request includes communications involving XXXX XXXX XXXX, XXXX XXXX XXXX, third-party vendors, and any internal security or fraud investigation teams. \n\nReservation of Rights Nothing in this letter constitutes a waiver of any rights or remedies available to XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. \n\nIf the matter can not be resolved promptly, the account holder reserves the right to pursue all available remedies including regulatory complaints, civil claims, and recovery of damages associated with the fraudulent activity and resulting operational harm. \n\nPlease provide a written response within XXXX ( XXXX ) days of receipt of this letter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Registered XXXX | XXXX : XXXX On Fri, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX Managing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX  Registered XXXX | XXXX XXXX XXXX On Fri, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Thank you, I will do that. Especially because you have the nerve TO PUT XXXX XXXX DOLLARS THAT I NEVER GOT ON MY XXXX AS IF THE MONEY THAT WAS TAKEN OUT WAS NOT TAKEN OUT XXXX XXXX Managing Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Registered XXXX | XXXX : XXXX On Thu, XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote : Hello, I understand you will be seeking legal consult. Please send all further communication to XXXX. \n\nXXXX XXXX, XXXX Risk XXXX XXXX  : A XXXX XXXX XXXX XXXX XXXX work from home # XXXX XXXX Customer Service : XXXX XXXX Customer Service : XXXX XXXX Customer Service : XXXX XXXX XXXX XXXX # logos From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX XXXX // XXXX image.png Hello XXXX, Thank XXXX for your response. However, your message does not resolve the core issues that have been repeatedly raised, nor does it account for the ongoing and significant financial harm your companys actions have caused to my business and personal livelihood. \n\nAs of today, my business account remains negative in the amount of approximately {$390.00}, as reflected in the attached account screenshot. This negative balance is not the result of any dereliction of duty on my part. It is the direct result of XXXX XXXX  failure to properly secure, monitor, and respond to fraudulent activity on the payment terminal associated with my account. \n\nYour companys negligence in safeguarding merchant credentials, monitoring suspicious activity, and timely resolving the resulting chargebacks has caused measurable financial damage to my business. Despite my repeated communications, requests for clarification, and attempts to resolve this matter in good faith, there has been no meaningful movement toward a full and proper resolution. \n\nYou have stated that : {$3600.00} is being applied to XXXX rejects resulting from fraud-related chargebacks No further transactions can occur due to terminal deactivation A formal meeting is not required However, this does not address the fact that : XXXX. My account remains in a negative balance due to XXXX  operational failures. \n\nXXXX. The ACH rejections were the result of fraudulent activity, not merchant misuse or misconduct. \n\nXXXX. My original requests for clear resolution, proper reimbursement, and accountability were ignored for an extended period. \n\nXXXX. Your companys internal handling of this matter has placed the financial burden of fraud on my business. \n\nAt every stage of this process, XXXX XXXX has focused primarily on protecting its own financial position rather than addressing the full scope of harm caused to my business and household. The emphasis has consistently been on how your company would reconcile the issue internally, rather than how I would be made whole for the losses, disruption, and operational impact caused by your negligence. \n\nThe financial impact of this situation has been severe. All of my personal funds have been depleted as a direct result of this matter. I am currently unable to afford even basic necessities, including essential groceries such as milk. This hardship is not the result of mismanagement on my part it is the result of unresolved fraud, improper account handling, and delayed remediation by your company. \n\nAdditionally, the continued negative balance on my account has created further operational harm. My financial institution has informed me that I can not fully utilize my new business account until this matter is resolved, meaning your companys failure to correct this issue is actively restricting my ability to conduct business and stabilize my finances. \n\nFor the record : I responded promptly to your initial request for a meeting. \nNo response was provided to my follow-up communications. \nA sales representative later contacted me with inconsistent information. \nNo credit or adjustment was posted when promised. \nMy account remains negative as a direct result of XXXX actions. \n\nAt this point, I have retained legal counsel. All further communications will be reviewed accordingly. \n\nPlease consider this email formal notice that I will be proceeding with regulatory filings and documentation with the following agencies : Federal Trade Commission ( FTC XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX  Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Applicable payment network and compliance oversight entities In addition to my own experience, there are numerous publicly available complaints and reviews describing fraud-related activity, unauthorized charges, account misuse, delayed responses, and unresolved disputes involving your company. These reports raise serious concerns about internal controls, monitoring systems, and response procedures related to fraudulent activity and merchant account protection. \n\nWhile I am not asserting wrongdoing beyond my own documented experience, the consistency of these reports suggests a need for closer regulatory and legal scrutiny regarding how fraud is detected, managed, and remedied across your organization. \n\nI am requesting, one final time, written confirmation of : 1. When my account will be restored to a non-negative balance, which should have already been completed. \n\n2. That no additional debits or fees will occur.\n\n3. That all fraud-related financial impacts will be fully reconciled in my account, not merely accounted for internally by your company.\n\n4. A final accounting of all charges, credits, and ACH activity.\n\n5. A formal written report emailed to me by this time tomorrow.\n\nIf this matter is not fully resolved, including both financial correction and accountability, it will proceed through formal legal and regulatory channels. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Registered XXXX | XXXX : XXXX On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I will have my lawyer get in touch soon. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX Registered XXXX | XXXX : XXXX On Wed, XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote : Hello, Please see response to your questions : The exact amount being refunded or credited - {$3600.00} The date the adjustment will be posted - As previously mentioned, there are ACH rejects on the account from the fraud sales that did chargeback so these funds will be used to cover those rejects. \n\nConfirmation that no additional charges will occur - The terminal that the fraud activity occurred on was deactivated so no further transactions can go through. \n\nWhether a formal meeting is still required - I do not believe a formal meeting is needed. \n\n\n\nXXXX XXXX, XXXX XXXX XXXX XXXX : A XXXX XXXX XXXX XXXX XXXX work from home # XXXX XXXX Customer Service : XXXX XXXX Customer Service : XXXX XXXX Customer Service : XXXX XXXX XXXX XXXX # logos From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX XXXX  // XXXX Hello XXXX, I am following up again regarding this matter. \n\nAfter your initial email requesting that I schedule a meeting, I responded promptly. Since that time, there has been absolutely no movement on the resolution I requested, and my follow-up communications have gone unanswered. \n\nInstead, I received a call from XXXX stating the amount would be reduced to {$390.00}. However, as of today, no adjustment or credit has been posted to my account. \n\nAt this point, all of my prior requests for clarification and resolution have been ignored, and this process has gone well beyond what I originally asked for. \n\nPlease provide a written update immediately addressing the following : The exact amount being refunded or credited The date the adjustment will be posted Confirmation that no additional charges will occur Whether a formal meeting is still required If I do not receive a timely response, I will proceed with formal escalation and documentation through regulatory and legal channels. \n\nThank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Registered XXXX | XXXX : XXXX On Sat, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX, Thank you for your continued correspondence regarding the fraudulent activity on my XXXX XXXX XXXX  XXXX XXXX account XXXX \n\nI am writing to formally document the facts, preserve my legal rights, and demand immediate, complete, and lawful remediation for the financial, operational, and reputational harm caused by this incident. \n\nHere are some key facts for the record ) My business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, does not have any online payment portal, checkout system, or API integration accessible through my website or public platforms. \nI did not provide terminal credentials or API keys to any third party. \nMy bank, Atlantic Union Bank, has confirmed that the compromise did not originate from their systems. \nXXXX / XXXX Payments creates, issues, manages, stores, and controls all API keys associated with merchant accounts. Atlantic Union Bank and XXXX XXXX XXXX XXXX XXXX XXXX  do not. \nYou have stated in writing that this fraud resulted from exposure of an API key through a third-party technology vendor servicing merchant accounts. \nI do not have any relationships with third-party vendors. My only financial service providers are XXXX XXXX XXXX XXXX and Atlantic Union Bank. \nA qualified computer and cybersecurity professional has reviewed my systems and confirmed that the breach did not originate from any of my devices, email accounts, website, or internal systems. \nI entrusted XXXX / XXXX Payments with my businesss financial operations, payment processing, and transactional security. That trust was a material and reasonable part of our business relationship. The exposure of API credentials through a vendor operating under your platforms control represents a breach of that trust, a failure to safeguard my businesss financial infrastructure, and a deviation from reasonable commercial security standards. \n\nAs a direct and foreseeable result of this incident, my business incurred multiple overdraft and NSF fees, experienced operational disruption, risk to my tax software integrations, delayed client payments, administrative burden, and reputational harm within my community as a professional financial services provider. \n\nImportantly, my business has only recently opened and is just beginning to gain significant client traction and a good reputation with the community. This incident interfered with my ability to serve new clients, process payments, and establish trust during a critical early growth phase. \n\nThe goodwill credit offered does NOT adequately compensate for the financial and operational losses, my time investment and administrative burden ( s ), the companys reputational damage, business growth interference and loss of goodwill and client confidence in XXXX XXXX XXXX XXXX  XXXX XXXX. \n\nUnder established commercial and tort law principles, business interruption, reputational harm, and loss of goodwill are recognized as categories of recoverable damages when a service providers security failure foreseeably harms a business. \n\nAs a direct result of this incident, I have spent a substantial number of professional hours addressing unauthorized transactions, communicating with your organization, coordinating with my bank, consulting technical experts, securing my systems, and mitigating harm to my business operations. During this time, I was unable to fully serve my clients or focus on revenue-generating work. \n\nAccordingly, I will be issuing a formal invoice for the reasonable value of my professional time, administrative burden, and business interruption caused by this incident. These costs are separate from, and in addition to, any goodwill credit offered and are recoverable as consequential damages under principles of negligence, breach of duty, and business interruption. \n\nFurther, while I have cooperated with your internal investigation process in good faith, I am not legally bound by your internal determinations, policies, or discretionary procedures. Any resolution to this matter must be based on applicable law, not solely on internal company findings or unilateral decisions. \n\nI reserve the right to reject any determination that does not fully and fairly compensate my business for the totality of the harm suffered. \n\nIt is not reasonable, appropriate, or legally justified to expect my small business to absorb any portion of the harm caused by a security failure that did not originate from my systems, credentials, website, or bank. \n\nUnder principles of negligence, breach of duty, and reasonable reliance, a service provider that undertakes to secure sensitive financial access must exercise appropriate care. When that duty is breached and damages result, the responsible party must bear the cost of remediation. \n\nAccordingly : I expect the full goodwill credit to be issued to my account within XXXX ( XXXX ) business day without reduction. \nI expect XXXX / XXXX XXXX  to absorb all additional costs associated with this incident, including all bank and NSF fees, chargeback-related losses, administrative and recovery costs, business interruption ( s ), and reputational harm Given the scope of the harm, the disruption to my early-stage business, and the breach of trust involved, the goodwill credit should be increased, not reduced. \nI therefore, demand that you provide the total amount of the original goodwill credit and provide confirmation that it will be issued in full, a breakdown of any chargebacks and why they are being charged back to me with laws that justify this action, written confirmation that no further debits will occur, and lastly, confirmation that all additional costs will be absorbed by XXXX XXXX XXXX XXXX. \n\nThe damage to my professional reputation within the local business community is having a measurable impact on client trust and business growth. \n\nAs part of full remediation, and consistent with recognized remedies for loss of goodwill and reputational injury, I am requesting that XXXX / XXXX Payments fund a local marketing and reputation-restoration campaign to help rebuild confidence in my business, including : XXXX. Local digital advertising XXXX. Community-based marketing XXXX. Client communication support XXXX. Brand reputation restoration efforts Because this incident involved unauthorized access associated with my merchant account credentials, and because exposure to such credentials creates an ongoing risk of misuse, I am requesting : Business identity-theft protection services for my company, including monitoring for fraudulent use of my business name and financial information. \nXXXX of any reasonable costs associated with protecting, repairing, or restoring my business identity. \nIf reputational or security concerns require a business name change, coverage of the associated legal, administrative, branding, and filing costs. \nThese measures are consistent with reasonable mitigation and remediation obligations following a credential-related security failure. \n\nUnder XXXX and XXXX  law, payment processors have a legal duty to protect merchant accounts, credentials, and transaction systems, and to handle unauthorized activity fairly, transparently, and responsibly. \n\nXXXX  XXXX XXXX XXXX ( UDAP Va. Code 59.1-196 et seq. ) : XXXX law prohibits unfair or deceptive acts or practices in connection with consumer and business services. \n\nThis includes misrepresenting security protection, failing to disclose material risks, or shifting responsibility to customers for internal or vendor-related security failures. \n\nBusinesses harmed by such practices may seek damages, attorney fees, and other statutory remedies. \n\nUniform Commercial Code ( UCC ) Articles 3 & 4 : Merchants are not responsible for unauthorized transactions they did not approve. \n\nIn this case, I did not authorize the transactions, did not provide access credentials, and did not operate any online payment system through which such access could have occurred. \n\nhttps : XXXX and https : XXXX Federal Trade Commission XXXX : Companies may not misrepresent security protections or unfairly shift responsibility to customers when failures o","date_sent_to_company":"2026-03-10T22:21:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"229XX","tags":null,"has_narrative":true,"complaint_id":"20145800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlantic Union Bankshares, Inc.","date_received":"2026-03-10T22:07:18.000Z","state":"VA","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["Preservation of Evidence You are hereby instructed to preserve all documents, communications, system logs, transaction records, <em>audit</em> logs, API credential records, vendor security <em>reviews</em>, and <em>internal</em> investigative materials related to this incident. \n\nThis preservation request includes communications involving XXXX XXXX XXXX, XXXX XXXX XXXX, third-party vendors, and any <em>internal</em> security or fraud investigation teams."]},"sort":[8.214329,"20145800"]},{"_index":"complaint-public-v1","_id":"2843454","_score":6.175606,"_source":{"product":"Debt collection","complaint_what_happened":"Presentment is challenged. Fraud is established - XXXX XXXX XXXX. \nAssumed Power of Attorney Revoked from debt collectors who have no standing proven by all accounting filed in County Land Records.\n\n2635.101 Basic obligation of public service. \n( a ) Public service is a public trust. Each employee has a responsibility to the United States Government and its citizens to place loyalty to the Constitution, laws and ethical principles above private gain. To ensure that every citizen can have complete confidence in the integrity of the Federal Government, each employee shall respect and adhere to the principles of ethical conduct set forth in this section, as well as the implementing standards contained in this part and in supplemental agency regulations. \nCalifornia Constitution PREAMBLE We, the People of the State of California, grateful to XXXX XXXX for our freedom, in order to secure and perpetuate its blessings, do establish this Constitution. \nSECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. \n\nXXXX XXXX XXXX, XXXX XXXX, I am requesting your efforts as promised under the Treaty of XXXX XXXX protection of individual civil rights and individual property rights. Please do not ignore the crimes which continue to be executed up on me by the debt collectors. It is my hope your agency agrees to take my case against XXXX XXXX XXXX XXXX XXXX and its many connections behind their walls. It is my hope your agency recognizes the abuses by the latter ring of debt collectors who choose to blatantly violate Section 5 of the FTC Act, 15 USC 45 which prohibits unfair or deceptive acts or practices. \nWhen reviewing my CFPB complaint dated XXXX against the complex organized group of attorneys called XXXX XXXX XXXX XXXX XXXX, I am recommending that your organization refer attorneys/debt collectors who own a web of LLCs, law firms and other fraudclosure mill throughout the United States to the Department of Justice. My request is made to force the attorneys to register as foreign agents due to their sneaky and lawless acts against homeowners of California. Please refer to my letter from President Trump and Exhibit A to establish past abuses against me by attorneys/debt collectors out of control. \nThe attorneys who will attempt to steal my home XXXX XXXX XXXX XXXX CA on XX/XX/XXXX have completely ignored law or Federal Trade Act and THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010. ) and will move to steal my XXXX home with obvious lack of standing and refusal to provide Verification of Accounting as mandated by FDCPA Section 809 and Federal Trade Commission Act. \nHow do I know? \nOn XX/XX/XXXX, four of the attorneys who will now try to steal my XXXX home and now a part of the XXXX XXXX XXXX XXXX XXXX   fraudclosure web XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold my home XXXX XXXX XXXX XXXX XXXX California to one of their associates XXXX XXXX and XXXX fake company analleged client of XXXX XXXX. \nXXXX knights himself The King of Eviction and seems to own the lower eviction courts in XXXX XXXX. Please note that XXXX XXXX, XXXX XXXX and XXXX XXXX long time associates of XXXX XXXX XXXX XXXX XXXX stole my owner occupied on XX/XX/XXXX THEFT knowingly based on a VOID contract XXXX XXXX XXXX. I was illegally evicted on XX/XX/XXXX. After a hard fight, I was able to show three Appellate judges fact that XXXX and XXXX ignored case law to illegally seize my home and the three Appellate judges reversed the illegal auction destruction of my life, health and business of 20+ years. \nYou may ask why the illegal seizures are happening? Please refer to my letter to President Trump whereby I discuss the harm by ex-XXXX bankruptcy attorney XXXX XXXX who blocked me from reorganizing the debt of the XXXX XXXX XXXX trust under a bankruptcy XXXX back in XXXX ( as suggested by XXXX predecessor Judge XXXX XXXX, I elected to file a XXXX aka XXXX reorganization n XXXX so I could strip any defective liens and confirm valid creditors. ). XXXX assisted the debt collectors steal my homes left and right regardless of reckless acts of attorneys. Theft of XXXX XXXX XXXX has been set by XXXX and Friends and Florida Attorney XXXX XXXX XXXX, XXXX, XXXX and XXXX created a California XXXX called XXXX XXXX XXXX XXXX. It is with this XXXX XXXX that XXXX, XXXX, XXXX XXXX XXXX that commenced filing falsified foreclosure documents on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California and pulled the XXXX on XX/XX/XXXX. I did execute my protection by sending these attorneys and their alleged client Wells Fargo Bank N.A. a Debt Validation letter challenging their presentment for specific obvious reasons proving that neither Wells Fargo or the attorneys had a present right to foreclose on the XXXX XXXX home and sell to XXXX XXXX fake client. In addition, as grantor, I revoked in writing any presumed power of attorney which XXXX, XXXX, XXXX, XXXX or Wells Fargo assumed they had. \nThe Statue of Limitation set firm that any pretender lender could not attempt to seize XXXX XXXX XXXX. XXXX XXXX CA. The misconduct debt collectors chose to not adhere to Section 809 of FDCPA and submit to me VERIFICATION in Affidavit under Oath and Notary Seal Affiexed. I was injured. The IRS records XXXX document submitted to the IRS by the debt collectors following the illegal sale to reveals not only their criminal minds, but my proof of their lack of standing to illegally take my property on XX/XX/XXXX. - Pretty Sneaky debt collectors who illegally liquidated my XXXX XXXX asset. The side note I was never made aware of the illegal foreclosure proceedings of the XXXX XXXX property until notified by my renter. \nTHEFT OF XXXX XXXX XXXX XXXX CA SET FOR XX/XX/XXXX IS ORGANIZED : BY XXXX XXXX XXXX AL AND FLORIDA ATTORNEY XXXX XXXX AS XXXX XXXX XXXX XXXX I REVOKE ANY OF THEIR PRESUMED POWER OF ATTORNEY FOR XXXX XXXX XXXX TRUST. I CHALLENGE XXXX et al OBVIOUS LACK OF STANDING DUE TO STATUE OF LIMITATION ISSUE AND BANKING  ACCOUNTING RECORDS SHOWING WELLS FARGO HAS NO INTEREST WITH MY XXXX HOME AND I WILL NOT CONTRACT WITH WELLS FARGO OR XXXX XXXX XXXX AL OR XXXX XXXX. A COMPLETED VERIFICATION FROM WELLS FARGO AND XXXX WILL SUFFICE AND ALL COLLECTIONS AND REPORTING MUST STOP AND CORRECTED. \nWELLS FARGO MUST EXPLAIN WHY IT IS NOT REPORTING THEIR XX/XX/XXXX Created Account No. XXXX to credit report of XXXX XXXX XXXX trust. \nXXXX, XXXX, XXXX XXXX al will now try to steal my home located at XXXX XXXX XXXX XXXX California on XXXX. I sent the debt collector attorneys a Debt Verification request under FDCPA which was received by their office on XX/XX/XXXX. Instead of stopping all collections, the debt collectors chose to establish their deviance by tapping the Trustee Notice of Sale on my home front door for all my neighbors to see on XX/XX/XXXX. \nXXXX gang of attorneys has increased under umbrella of XXXX XXXX XXXX XXXX XXXX. So now I face off with attorneys from Texas, Florida, Georgia, Connecticut and California all apart of XXXX XXXX XXXX XXXX XXXX. I was never notified of the illegal sale of theXXXX home until mail commenced flowing to my mail box the first week of XX/XX/XXXX verified by Post Master. \nNotice of Default was filed by XXXX Texas Law Firm under XXXX XXXX XXXX XXXX a California XXXX in XX/XX/XXXX. \nThen we have a Notice of Trustee Sale filed with XXXX XXXX in XX/XX/XXXX by a XXXX XXXX named XXXX XXXX XXXX XXXX owned by XXXX XXXX of Florida. I have no idea the relationship between XXXX XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX Florida and XXXX XXXX XXXX XXXX XXXX. I do know that XXXX XXXX XXXX XXXX XXXX established an office in XXXX XXXX, and uses a mailing house in XXXX. I believe the mailing house a fraudclosure business owned by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX business XXXX XXXX XXXX XXXX is also sharing office space with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. \nI have done some research and found out the reason why the debt collector attorneys form LLCs in Florida is for the liability protection for their assets provided by Florida. \nBecause of XXXX entrance to scene of the fraudclosure theft of XXXX XXXX XXXX, I sent XXXX  and XXXX an authorization to investigate Wells Fargo claim to have a contract with me related to a note referenced as account XXXX which is allegedly related to an XXXX XXXX XXXX XXXX   discharged at least 3 times and its note referenced as XXXX. I directed both credit bureaus to obtain Verification in accordance to FDCPA - Affidavit or Statement under Oath by an officer stating that Wells Fargo is in fact a Creditor. I directed credit bureaus that compliance with FDCPA requirements must be enforced and no deviations i.e. the debt collectors can not submit to investigators copies of the old world savings deed of trust. This would be unacceptable. I asked the credit bureaus to initiate the investigation, because of the problems which I encountered with XXXX XXXX et al debt collectors electing to not follow the law related to theft of XXXX XXXX XXXX. XXXX XXXX. I can not have my current home stolen also. \nXX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX al joined up with XXXX XXXX XXXX XXXX XXXX. \nI am opening this case to publicly prove that XXXX XXXX foreign California XXXX called XXXX XXXX XXXX XXXX has no present right to foreclose on my home XXXX XXXX XXXX XXXX California set for XX/XX/XXXX. The debt collectors will ignore their obligation to submit to me and my legal team a completed VERIFICATION. \nI also have attached to this CFPB my revocation of any power of attorney that XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX presume that may have over my XXXX XXXX XXXX trust. I reject their presentment and now force their hand by forcing them to sign an Affidavit or Statement under Oath and Notary Seal Affixed. \nI am familiar with the Social Security Act of XXXX which sets XXXX XXXX XXXX XXXX California as a security Asset of the United States of America. I would like to remind you that the Social Security Act of XXXX business model was created to move our Country in the right direction financially. The Social Security Act was not created for debt collector attorneys to file falsified documents on homes and seize homes with no present standing to take home of the Social Security Trusts ; thus, ruining credit of the American People and harming the American people in more ways than one. \nFor this reason Mr.Mulvaney, I recommend that you to refer the attorneys who are planning the theft of XXXX XXXX XXXX XXXX on XX/XX/XXXX to the Department of Justice. \nForeign Agents Registration Administration which administers Foreign Agents Registration Act. FARA is something of an unusual statute. Codified today at 22 U.S.C. 611-621, it was enacted in XXXX in the run-up to World War II in response to concerns raised by a special congressional committee over the large number of XXXX and XXXX propagandists active in the United States at the time. As the DOJ Inspector General recently noted, A significant finding of the committees study was that the XXXX XXXX government had established an extensive underground propaganda apparatus using American firms and citizens. Per the Justice Departments thorough and helpful FARA FAQ, we are told that [ t ] he purpose of FARA is to insure that the U.S. Government and the people of the United States are informed of the source of information ( propaganda ) and the identity of persons attempting to influence U.S. public opinion, policy, and laws. Such information, in turn, allows the public to appraise [ those individuals ] and the purposes for which they act, in the words of a XXXX House of Representatives report. \nMost importantly, as these quotes suggest, FARA is a procedural statute, not a substantive one. As explained in more detail below, it does not prohibit particular activities in the abstract ; it merely requires that those engaged in such activities on behalf of foreign interests identify themselves ( and disclose their interests ) to the U.S. government.\n\nIndeed, a separate statute, 18 U.S.C. 219, goes one important step further, making it a crime for any individual who is an officer or employee or person  acting for or on behalf of the United States, or any department, agency, or branch of Government thereof, including the District of Columbia, in any official function, to be or to act as an agent of a foreign principal under FARA.\n\nIn other words, for a private citizen, FARAs entire impact is in requiring disclosure. But for public officials, 219 actually prohibits such individuals from acting as foreign agents. Thus, whereas a private citizen need only apprise the Justice Department if they are receiving funds from foreign principals to influence U.S. policy, public officials may not receive such funds, periodand face felony charges if they do. ( N.B. : Theres an interesting question about whether transition officials might qualify as public officials for purposes of 219. Im skeptical, but at least in XXXX case, theres still the issue of whether he was continuing to serve as an agent of a foreign power on and after XX/XX/XXXX, when he became the National Security Advisor. ) At another level, the Department of Justice FARA Department has established a number of routine enforcement initiatives, from reviewing a wide range of publications for indications of activities by unregistered agents to reviewing the filings of registered agents and conducting audits or inspections of their books and records. Almost all of the Unit 's civil enforcement actions, including the so-called \" XXXX films cases, '' XXXX XXXX XXXX, 481 U.S. 465 ( XXXX ), and XXXX XXXX XXXX, 793 F.2d 1303 ( D.C . Cir. ), cert. den. 478 U.S. 1021, reh. den. 481 U.S 1043 ( 1987 ), were developed in this fashion. The Unit also works closely with the law enforcement and intelligence community components who provide reports on potential violations of the Act.  The Unit 's less frequent criminal prosecutions have primarily come from this source -- most recently an IRS investigation in XXXX ( the XXXX case ) and previously, a XXXX  XXXX Government investigation of internal corruption ( the XXXX case ). \nCONCLUSION : I have no contract with Wells Fargo Bank N.A. and I will not support their illegal activities by using government forms to liquidates homes and then lying about monies collected from illegal foreclosures. \nI challenge their presentment and now the ball is in the court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wells Fargo, the XXXX XXXX XXXX XXXX XXXX group of attorneys. They are directed to complete the Verification as mandated by FDCPA Section 809 an affidavit under oath by an officer with Notary Seal Affixed. I am directing the debt collectors to abide to Federal Trade Commission Act. The required task is easy. Complete the verification and I can pay you off in case Wells Fargo is the creditor and not violating fact that Statute of Limitation prohibits any pretender lender to attempt to illegally seize my home. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EIN","date_sent_to_company":"2018-03-14T22:26:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"92782","tags":null,"has_narrative":true,"complaint_id":"2843454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-03-14T22:02:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Im skeptical, but at least in XXXX case, theres still the issue of whether he was continuing to serve as an agent of a foreign power on and after XX/XX/XXXX, when he became the National Security Advisor. ) At another level, the Department of Justice FARA Department has established a number of routine enforcement initiatives, from <em>reviewing</em> a wide range of publications for indications of activities by unregistered agents to <em>reviewing</em> the filings of registered agents and conducting <em>audits</em> or inspections"]},"sort":[6.175606,"2843454"]},{"_index":"complaint-public-v1","_id":"2843569","_score":6.1727905,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX Basic obligation of public service. ( a ) Public service is a public trust. Each employee has a responsibility to the United States Government and its citizens to place loyalty to the Constitution, laws and ethical principles above private gain. To ensure that every citizen can have complete confidence in the integrity of the Federal Government, each employee shall respect and adhere to the principles of ethical conduct set forth in this section, as well as the implementing standards contained in this part and in supplemental agency regulations. California Constitution PREAMBLE We, the People of the State of California, grateful to Almighty God for our freedom, in order to secure and perpetuate its blessings, do establish this Constitution. SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. Director XXXX XXXX, XXXX XXXX, I am requesting your efforts as promised under the Treaty of XXXX XXXX protection of individual civil rights and individual property rights. Please do not ignore the crimes which continue to be executed up on me by the debt collectors. It is my hope your agency agrees to take my case against McCalla Raymer Leibert Pierce LLC and its many connections behind their walls. It is my hope your agency recognizes the abuses by the latter ring of debt collectors who choose to blatantly violate Section 5 of the FTC Act, 15 USC 45 which prohibits unfair or deceptive acts or practices. When reviewing my CFPB complaint dated XX/XX/XXXX against the complex organized group of attorneys called McCalla Raymer Leibert Pierce LLC, I am recommending that your organization refer attorneys/debt collectors who own a web of LLCs, law firms and other fraudclosure mill throughout the United States to the Department of Justice. My request is made to force the attorneys to register as foreign agents due to their sneaky and lawless acts against homeowners of California. Please refer to my letter to President Trump and Exhibit A to establish past abuses against me by attorneys/debt collectors out of control. The attorneys who will attempt to steal my home XXXX XXXX XXXX XXXX CA on XX/XX/XXXX have completely ignored law or Federal Trade Act and THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010. ) and will move to steal my XXXX home with obvious lack of standing and refusal to provide Verification of Accounting as mandated by FDCPA Section 809 and Federal Trade Commission Act. How do I know? On XX/XX/XXXX, four of the attorneys who will now try to steal my XXXX home and now a part of the McCalla Raymer Leibert Pierce LLC fraudclosure web XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold my home XXXX XXXX XXXX XXXX XXXX California to one of their associates XXXX XXXX and XXXX fake company analleged client of XXXX XXXX. XXXX knights himself The King of Eviction and seems to own the lower eviction courts in XXXX XXXX. Please note that XXXX XXXX, XXXX XXXX and XXXX XXXX long time associates of McCalla Raymer Leibert Pierce LLC stole my owner occupied on XX/XX/XXXX THEFT knowingly based on a VOID contract XXXX XXXX XXXX. I was illegally evicted on XX/XX/XXXX. After a hard fight, I was able to show three XXXX judges fact that XXXX and Judge ignored case law to illegally seize my home and the three XXXX judges reversed the illegal auction destruction of my life, health and business of 20+ years. You may ask why the illegal seizures are happening? Please refer to my letter to President Trump whereby I discuss the harm by ex-XXXX bankruptcy attorney XXXX XXXX who blocked me from reorganizing the debt of the XXXX XXXX XXXX trust under a bankruptcy XXXX back in XXXX ( as suggested by XXXX predecessor Judge XXXX XXXX, I elected to file a XXXX aka XXXX reorganization n XXXX so I could strip any defective liens and confirm valid creditors. ). XXXX assisted the debt collectors steal my homes left and right regardless of reckless acts of attorneys. Theft of XXXX XXXX XXXX has been set by XXXX and Friends and Florida Attorney XXXX XXXX XXXX, XXXX, XXXX and XXXX created a California LLC called XXXX XXXX XXXX XXXX. It is with this XXXX XXXX that XXXX, XXXX, XXXX XXXX XXXX that commenced filing falsified foreclosure documents on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California and pulled the XXXX on XX/XX/XXXX. I did execute my protection by sending these attorneys and their alleged client XXXX XXXX XXXX XXXX. a Debt Validation letter challenging their presentment for specific obvious reasons proving that neither XXXX XXXX or the attorneys had a present right to foreclose on the XXXX XXXX home and sell to XXXX XXXX fake client. In addition, as grantor, I revoked in writing any presumed power of attorney which XXXX, XXXX, XXXX, XXXX or XXXX XXXX assumed they had. The Statue of Limitation set firm that any pretender lender could not attempt to seize XXXX XXXX XXXX. XXXX XXXX CA. The misconduct debt collectors chose to not adhere to Section 809 of FDCPA and submit to me VERIFICATION in Affidavit under Oath and Notary Seal Affiexed. I was injured. The IRS records 1098 document submitted to the IRS by the debt collectors following the illegal sale to reveals not only their criminal minds, but my proof of their lack of standing to illegally take my property on XX/XX/XXXX. - Pretty Sneaky debt collectors who illegally liquidated my XXXX XXXX asset. The side note I was never made aware of the illegal foreclosure proceedings of the XXXX XXXX property until notified by my renter. THEFT OF XXXX XXXX XXXX XXXX CA SET FOR XX/XX/XXXX IS ORGANIZED : BY XXXX XXXX ET AL AND FLORIDA ATTORNEY XXXX XXXX AS XXXX XXXX XXXX XXXX I REVOKE ANY OF THEIR PRESUMED POWER OF ATTORNEY FOR XXXX XXXX XXXX TRUST. I CHALLENGE XXXX et al OBVIOUS LACK OF STANDING DUE TO STATUE OF LIMITATION ISSUE AND BANKING ACCOUNTING RECORDS SHOWING XXXX XXXX HAS NO INTEREST WITH MY XXXX XXXX  AND I WILL NOT CONTRACT WITH XXXX XXXX OR XXXX XXXX XXXX AL OR XXXX XXXX. A COMPLETED VERIFICATION FROM XXXX XXXX AND XXXX WILL SUFFICE AND ALL COLLECTIONS AND REPORTING MUST STOP AND CORRECTED. XXXX XXXX MUST EXPLAIN WHY IT IS NOT REPORTING THEIR XX/XX/XXXX Created Account No. XXXX to credit report of XXXX XXXX XXXX trust. XXXX, XXXX, XXXX et al will now try to steal my home located at XXXX XXXX XXXX XXXX California on XXXX. I sent the debt collector attorneys a Debt Verification request under FDCPA which was received by their office on XX/XX/XXXX. Instead of stopping all collections, the debt collectors chose to establish their deviance by tapping the Trustee Notice of Sale on my home front door for all my neighbors to see on XX/XX/XXXX. Buckleys gang of attorneys has increased under umbrella of McCalla Raymer Leibert Pierce LLC. So now I face off with attorneys from Texas, Florida, Georgia, Connecticut and California all apart of McCalla Raymer Leibert Pierce LLC. I was never notified of the illegal sale of theXXXX home  until mail commenced flowing to my mail box the first week of XX/XX/XXXX verified by Post Master. Notice of Default was filed by XXXX Texas Law Firm under XXXX XXXX XXXX XXXX a California LLC in XX/XX/XXXX. Then we have a Notice of Trustee Sale filed with XXXX County in XX/XX/XXXX by a foreign LLC named XXXX XXXX XXXX XXXX owned by XXXX XXXX of Florida. I have no idea the relationship between XXXX XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX Florida and McCalla Raymer Leibert Pierce LLC. I do know that McCalla Raymer Leibert Pierce LLC established an office in XXXX XXXX, and uses a mailing house in XXXX. I believe the mailing house a fraudclosure business owned by McCalla Raymer Leibert Pierce LLC. XXXX XXXX business XXXX XXXX XXXX XXXX is also sharing office space with McCalla Raymer Leibert Pierce LLC in XXXX XXXX CA. I have done some research and found out the reason why the debt collector attorneys form LLCs in Florida is for the liability protection for their assets provided by Florida. Because of XXXX entrance to scene of the fraudclosure theft of XXXX XXXX XXXX, I sent XXXX and XXXX  an authorization to investigate XXXX XXXX claim to have a contract with me related to a note referenced as account XXXX which is allegedly related to an XXXX XXXX XXXX Loan discharged at least 3 times and its note referenced as XXXX. I directed both credit bureaus to obtain Verification in accordance to FDCPA - Affidavit or Statement under Oath by an officer stating that XXXX XXXX is in fact a Creditor. I directed credit bureaus that compliance with FDCPA requirements must be enforced and no deviations i.e. the debt collectors can not submit to investigators copies of the XXXX XXXX XXXX  deed of trust. This would be unacceptable. I asked the credit bureaus to initiate the investigation, because of the problems which I encountered with XXXX XXXX et al debt collectors electing to not follow the law related to theft of XXXX XXXX XXXX. XXXX XXXX. I can not have my current home stolen also. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX et al joined up with McCalla Raymer Leibert Pierce LLC. I am opening this case to publicly prove that XXXX XXXX foreign California LLC called XXXX XXXX XXXX XXXX has no present right to foreclose on my home XXXX XXXX XXXX XXXX California set for XX/XX/XXXX. The debt collectors will ignore their obligation to submit to me and my legal team a completed VERIFICATION. I also have attached to this CFPB my revocation of any power of attorney that XXXX XXXX and the McCalla Raymer Leibert Pierce LLC presume that may have over my XXXX XXXX XXXX trust. I reject their presentment and now force their hand by forcing them to sign an Affidavit or Statement under Oath and Notary Seal Affixed. I am familiar with the Social Security Act of XX/XX/XXXXwhich sets XXXX XXXX XXXX XXXX California as a security Asset of the United States of America. I would like to remind you that the Social Security Act of XX/XX/XXXX business model was created to move our Country in the right direction financially. The Social Security Act was not created for debt collector attorneys to file falsified documents on homes and seize homes with no present standing to take home of the Social Security Trusts ; thus, ruining credit of the American People and harming the American people in more ways than one. For this reason Mr.Mulvaney, I  recommend that you to refer the attorneys who are planning the theft of XXXX XXXX XXXX XXXX on XX/XX/XXXX to the Department of Justice. Foreign Agents Registration Administration which administers Foreign Agents Registration Act. FARA is something of an unusual statute. Codified today at 22 U.S.C. 611-621, it was enacted in 1938 in the run-up to World War II in response to concerns raised by a special congressional committee over the large number of XXXX and XXXX propagandists active in the United States at the time. As the DOJ Inspector General recently noted, A significant finding of the committees study was that the XXXX XXXX government had established an extensive underground propaganda apparatus using American firms and citizens. Per the Justice Departments thorough and helpful FARA FAQ, we are told that [ t ] he purpose of FARA is to insure that the U.S. Government and the people of the United States are informed of the source of information ( propaganda ) and the identity of persons attempting to influence U.S. public opinion, policy, and laws. Such information, in turn, allows the public to appraise [ those individuals ] and the purposes for which they act, in the words of a XXXX House of Representatives report. Most importantly, as these quotes suggest, FARA is a procedural statute, not a substantive one. As explained in more detail below, it does not prohibit particular activities in the abstract ; it merely requires that those engaged in such activities on behalf of foreign interests identify themselves ( and disclose their interests ) to the U.S. government. Indeed, a separate statute, 18 U.S.C. 219, goes one important step further, making it a crime for any individual who is an officer or employee or person acting for or on behalf of the United States, or any department, agency, or branch of Government thereof, including the District of Columbia, in any official function, to be or to act as an agent of a foreign principal under FARA. In other words, for a private citizen, FARAs entire impact is in requiring disclosure. But for public officials, 219 actually prohibits such individuals from acting as foreign agents. Thus, whereas a private citizen need only apprise the Justice Department if they are receiving funds from foreign principals to influence U.S. policy, public officials may not receive such funds, periodand face felony charges if they do. ( N.B. : Theres an interesting question about whether transition officials might qualify as public officials for purposes of 219. Im skeptical, but at least in XXXX case, theres still the issue of whether he was continuing to serve as an agent of a foreign power on and after XX/XX/XXXX, when he became the National Security Advisor. ) At another level, the Department of Justice FARA Department has established a number of routine enforcement initiatives, from reviewing a wide range of publications for indications of activities by unregistered agents to reviewing the filings of registered agents and conducting audits or inspections of their books and records. Almost all of the Unit 's civil enforcement actions, including the so-called \" XXXX films cases, '' XXXX v. XXXX, XXXX U.S. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX ( D.C . Cir. ), cert. den. XXXX XXXX XXXX, reh. den. XXXX U.S XXXX ( XXXX ), were developed in this fashion. The Unit also works closely with the law enforcement and intelligence community components who provide reports on potential violations of the Act. The Unit 's less frequent criminal prosecutions have primarily come from this source -- most recently an IRS investigation in XXXX ( the XXXX case ) and previously, a XXXX XXXX Government investigation of internal corruption ( the XXXX case ). CONCLUSION : I have no contract with XXXX XXXX XXXX XXXX. and I will not support their illegal activities by using government forms to liquidates homes and then lying about monies collected from illegal foreclosures. I challenge their presentment and now the ball is in the court of XXXX XXXX dba XXXX XXXX XXXX XXXX, XXXX XXXX, the McCalla Raymer Leibert Pierce LLC group of attorneys. They are directed to complete the Verification as mandated by FDCPA Section 809 an affidavit under oath by an officer with Notary Seal Affixed. I am directing the debt collectors to abide to Federal Trade Commission Act. The required task is easy. Complete the verification and I can pay you off in case XXXX XXXX is the creditor and not violating fact that Statute of Limitation prohibits any pretender lender to attempt to illegally seize my home. XXXX XXXX General Director XXXX XXXX XXXX XXXX XXXX XXXX ( c ) ( 3 )","date_sent_to_company":"2018-03-21T19:41:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"92782","tags":null,"has_narrative":true,"complaint_id":"2843569","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"McCalla Raymer Leibert Pierce, LLC","date_received":"2018-03-14T23:42:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Im skeptical, but at least in XXXX case, theres still the issue of whether he was continuing to serve as an agent of a foreign power on and after XX/XX/XXXX, when he became the National Security Advisor. ) At another level, the Department of Justice FARA Department has established a number of routine enforcement initiatives, from <em>reviewing</em> a wide range of publications for indications of activities by unregistered agents to <em>reviewing</em> the filings of registered agents and conducting <em>audits</em> or inspections"]},"sort":[6.1727905,"2843569"]},{"_index":"complaint-public-v1","_id":"2680977","_score":6.157641,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Okay just to be clear I have filed complaints since about 7 months ago with every federal, state, local,  house, goveneor, sheriff, chief, representatives and more I had sent out over 5000 emails,  an according t my XXXX bill I had made over 20,000 in the last two months alone. Denial letters from free legal services from missiouri and arkansas, denial from help from victiums of crimes special programs and denial from attorney generals and on and on and on. \n\nOk it kind of a long story it actually starts almost five months ago, lets just say since five months ago we have suffered hacking and scammers, and idenity theft and it was bad for a while we were  and are almosr 7000 in debt just from that alone not including everything on my credit record with is almost 70,000 which I thnk some is my student loans. Well after afew weeks the calmed down a bit.\nWell about a week  a month after that, I had to stop working because of my health being so XXXX so I havent worked in almost 4 months now and still waiting on XXXX to kick it.  \nWell we ended up having to get  another vehicle,  cause of my appointsments and hospital visits it wasnt working out with husbands shedule. And he was goning to lose his job if we kept at it\nSo on XX/XX/XXXX we finally got someone to give us a chance with a truck which my husband used for work sometimes.\nWell that was the first time XXXX XXXX lied to me, when they called me about being approved for sure I was told all we had to do was come and sign the papers and it was going to be XXXX  Dollars Down.  No more than that, I thought thank god,\nWell of course I still had not be released to go back to work yet not sure when I am going back honestly,  my health is XXXX XXXX, andy ways  about  a week of having the truck it started acting up they were very slow to respond abut the issue and it took  almost two weeks for them to actually do something about it.\n\nWell XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of  automatitc stay of assets which would help keep the only assets we had\nWell I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses,  and emails and everything it was that bad. \n\nWell I was online again looking for free legal help to fill the  paperwork out and were to get the forms from online frokm the district courst of missouri and I filled it all out the waviers for the courts cost and fees and everything else then was told that it  would be filed on XX/XX/XXXX and that afternoon was told go aheaed and send out to the dealerships and in a few days we finish the rest of the procedure and it was gonna cost like XXXX dollars well with me not working I had just got my last check and all  ihad left ws XXXX so I gave him that through online transfer. \n\nSo the next day XX/XX/XXXX at around XXXX we heard a tow truck outside and my husband went to look and their they were taking his truck, we had not received one call, one , text, or email or any notice that this was happening at all.   My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they \n\nTHE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT.   \nWELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT. \n\nWELL THAT SAME DAY I TALKED TO THE GM XXXX WHICH TOOK ME 8 TIMES TO GET HIM BECAUSE XXXX I THINK HER NAME WAS OR XXXX KEPT LYING TO ME WHEN I ASKE TO SPEAK TO THE GM SHE SAID SHE WAS AND THAT IS NOT HOW SHE INTRADUCED HERESLF ON THE PHONE WHEN ANSERING PLUS I HAD TALKE D TO HER MANY TIMES BEFORE.\n\nHAD TO GO THROUGH CUSTOMER SERVICE LINE AND ASK FOR GM FINALLY GOT  HIM XXXX\n\nAND HE SAID THAT BECAUSE FO THE COMPLAINTS I HAD SUBMITTED THATS WHY THEY TOOK THE TRUCK AND IT WAS BEING REVIEWED BY THEIR SUPPOSEDLY TEAM OF LEGAL REPRESENTATIVES. \n\nYET THEY TOLD MY HUSBAND THAT THEY RECEIVED THE PAPERS ABOUT THE BANK RUPTCY AND THAT IS THE REASON WHY THEY TOOKT THE TRUCK BACK.\n\nCONFLICTING STORIES THERE,  WELL SINCE THEN I HAVE BEEN ONLINE TRYING TO LEARN HOW TO UPGRADE TO EFILE WELL THAT WAS A WEEK WASTED TO COME AND FIND OUT I CANT WHEN I HAVE DOCUMENTS FROM ONLINE SHOWING AND STATING ON HOW YOU CAN IF YOU REPRESENTING YOURSELF PRO SE\n\nWELL IN THAT TIME THEY BARLY SPOKE TO ME THEY TALKED TO MY HUSBAND THOUGH.  WELL THRUSDAY HE TALKED TO THEM LATE EVENING  AND THEY TOLD HIM THAT IF I DROPPED THE LAWSUIT THAT THEY WOULD RETURN THE TRUCK BACK TO US AND WOULD BE CHARGED FOR THE TOWING\n\nFUNNY THING IS ABOUT THE WHOLE THING I NEVER FILED YET I GOT SOME HELP AND WE WERE HAVING SOMEONE SERVED A DEMAND LETTER WITH ONE OF THE BARGGININGS WAST TO RETURN THE TRUCK.\n\nSO APPARENTLY HE HAS BEEN TALKING TO XXXX, AND XXXX, AND XXXX AT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX\n\nWELL THE NEXT DAY I SENT VIA EMAIL AND ONLINE FAX TO HEADQUARTERS WELL WHAT THEY SHOW ONLINE AS HEADQUARTERS AND SENT TO THE XXXX NUMBER EMAIL EVEN THOUGH IST XXXX AR. XX/XX/XXXX EMAIL AS WELL. \n\n I  WLL ATTACH COPY OF THAT AS WELL, WELL DIDNT HEAR NOTHING AND MY HUSBAND ASKED ME TO CALL THEM SO  I DID STARTING AT XXXX XXXX TILL  ABOUT XXXX AT NIGHT WHEN I CALLED THEY HUNG UP, PUT ME ON HOLD FOREVER AND THEN HANG UP TAKE MESSAGE FOR XXXX AND SAID HE WAS BUSY AND DIDNT EVER CALL BACK AT ALL I CALLED EVERY NAME ON LIST TO CORP. OFFICE IN XXXX, IN AND LEFT MESSAGE STATING I SENT EMAIL EXKPLAING THE REASON WE WAS FILING AND THERE WAS NO LAWSUIT AND THAT ALL WE WANTED WAS WHAT WE ASKED FOR.   THEN  ABOUT XXXX XXXX XXXX FINALLY ANSERED THE DOOR HE \n\nSTATED TO ME HE TEXTED MY HUSBAD THAT MORING AND TOLD HIM THAT HE WOUDLNT KNOW TILL XXXX\nAND THAT HE MIGHT HAVE TO BE PUT INTO ANOTHER VEHICAL NOT THE TRUCK.\n\nNOW, I WAS VERY MAD SINCE FRIDAY I HAVE DONE NOTHING BUT RESEARCH AND RESEARCH AND I FOUND OUT A LOT OF THINGS \n\nWHICH ALL GO AGAINST OUR CIVIL RIGHTS, AND POOR WORK ETHICS ON THEIR POINT OF VEIW, \nNOW THEY TOLD MY HUSBAND THAT THE ONLY HE COULD HAVE HIS THINGS OUT OF THE CAR WAS TO GIVE BACK THE OTHER KEY .\n\nWELL LIKE I SAID I HVE RESEARCHED XX/XX/XXXX, XXXX XXXX AND I HAVE FOUND OUT A LOT ABOUT THIS COMPANY AND I ALSO HAVE AT LEAST OVER 25000 DOWNLOADS OF MISSIOURI,  ARKANSAS, AND XXXX  LAWS ON CIVIL RIGHS, CIVIL RIGHTS AND AUTOMOBILES AND CIVIL RIGHT AND REPOSSIONS AS WELL.\n\nI HAVE OVER 100 TABS SAVED ON PHONE AND LAPTOP AND DOCUMENTS ABOUIT THIS COMPANY, MANY LAWSUITS AND LOTS OF UNFAIR PRACTICES AND AND REPOSSESIONS AND MORE, \n\nI WILL ONLY SEND CERTAIN THINGS PRETAING TO THIS MOSTLY .\n\nEverything here I have got off their websites, contracts  as employees, share holders,  and more mainly going to focus on the problem at hand and I have read and downloaded all the law archives from Missouri, Arkansas, Indianan. I have read and downloaded the laws pertaining to civil rights, repossession and arbritaration laws as well and I  have downloaded the Byrider Franchising hand book 0n how they are to run the the XXXX XXXX XXXX XXXX stores the chains of commands policy they are to follow and more and I also have clips of the contract as well\nWHICH THE CONTRACT AND THEIR POLICYS CONTRADICT THEMSELVES AND THEY DID NOT FOLLOW ANY OF THE PROCEDURES ON CONTRACT OR HANDBOOK. Portioning to this mess.\n\nLike I mentioned before we were victims of crime again which was reported but of course due to lack of man power which was lied. XXXX  police officer said and time and no leads  cant do much about that problem at all, but the company XXXX XXXX would not even hear our story or didnt take any compassion to our situations.\n\n\nLISTED BELOW IS EVERYONE I HAD CALLED AND LEFT MESSAGES AND EMAILED AND FAXED LETTERS TO SEE ABOUT GETTING THIS CLEARED UP WITH OF COURSE NO RESPONSE FROM ANY OF THE MEMBERS WAS TOLD BY THE  EMPLOYEES OUT OF XXXX AR. XXXX XXXX THEY WERE NOT ALLOWED TO SPEAK TO US YET THEY CONTINUED COMMUICATION WITH MY HUSBAND NOT MUCH BUT MORE SO HIM THEN ME AND I AM THE BUYER\n\nSO ONLINE WHEN YOU LOOK UP MAIN HEADQUARTERS FOR XXXX XXXX THIS IS WHAT COMES UP //.\n\nXXXX XXXX\t\t\t\t\tAKA----XXXX \n\nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nXXXX XXXX XXXX HEADQUARTERS              AFTER YOU REWORD THINGS COMES UP\nXXXX XXXX XXXX XXXX XXXX IN XXXX\nPhone--XXXX XXXX XXXX\nFax--XXXX XXXX XXXX\nEmail--XXXX\n\nSO THE WEBSITE IT GIVES A LIST OF NAMES OF SUPPOSEDLY THE PEOPLE RUNNING THIS LOCATION::\nXXXX XXXX PRESIDENT-- LEFT 6 MESSAGES ON VOICEMAIL, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX\n\nXXXX XXXX--CONSUMER AFFAIRS SPECIALIST ( WHICH THAT IS WHAT I WAS TOLD WHO I NEEDED TO SPEAK WITH)---XX/XX/XXXX    LEFT 15 VOICE MAILS\n\nXXXX XXXX--DIRCTOR OF SALES--XX/XX/XXXX  LEFT 8 MESSAGES\n\nXXXX XXXX XXXX-- XX/XX/XXXX  LEFT 4 VOICEMAILS\n\nXXXX XXXX-- LEFT 4 VOICEMAILS XX/XX/XXXX \nXXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS XXXX XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS\n\nXXXX  XXXX--XX/XX/XXXX LEFT 5 VOICEMAILS XXXX XXXX--XX/XX/XXXX  LEFT 2 VOICEMAILS\n\nXXXX XXXX XXXX XXXX--XX/XX/XXXX  LEFT 6 VOICEMAILS\n\nSUPPOSEDLY EMAIL FOR OFFICE IS ----XXXX  WHICH GOES TO XXXX AR.   AND CUSTOMER SERVICE EMAIL IS XXXX\nWHICH IM SURE GOES TO XXXX AR. LOCATION AS WELL\n\nTHAT WAS ALL DAY SATURDAY I TRIED CALLING CORP OFFICE AND ONLY SENT OUT ONCE THE EMAIL TO THE EMAILS ON WEBSITES AND FAXED TO THE FAX NUMBERS AS WELL\n\nXXXX \nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX I THINK HE A GM XXXX XXXX XXXX XXXX AND I THINK XXXX\n\nHAVE ALL SAID DIFFERENT STORIES TO ME WHEN AND IF THEY ANSWERED OR TOOK MY CALLS \n\nAND HAD TOLD MY HUSBAND MANY DIFFERENT STORIES AS WELL VERY CONFLICTING STORIES\n\n\n\nWELL I FOUND OUT\nXXXX CUSTOMER SERVICE IS LINKED TO BOTH PLACES AND TRANSFERS CALLS ONLY TO XXXX AR   I CALLED THEM 25 TIMES  XXXX\n\nSO I WAS MAD, MY HUSBAND WAS MAD CAUSE THEY KEEP LYING TO US AND TELLING US DIFFERENT STORIES.. SO I DID DIGGING AROUND ON EACH PERSON AND THE COMPANY ITSELF AND I DOWNLOAD ALL PUBLIC ARCHIEVES  OF THE LAWS FOR CONSUMERS AND BUSINESS AND ARBRITRATION LAWS AS WELL AND I WIL COPY AND PASTE WHAT I HAD SEND LINKS DOCUMENTS AND PICTURES TO BACK UP MY FINDINGS \n\nAND I ALSO CAME ACROSS THEIR FRANCISHING HAND BOOK ON HOW THEY ARE TO RUN THEIR BUSINESS AND HOW THEY TARGET PEOPLE WHO ARE FINIANCALLLY UNSTABLE AND LIE TO THEM AND CHARGING HOW MUCH INTERSET THEY WANT NO MORE THOUGH THAN  35% AND MORE I HAVE DOWNLOAD COMPLAINTS OF THINGS THEY HAVE DONE SIMILAR TO THIS AND NO BODY REALLY DONE MUCH\n\nI AM REQUESTING TWO THINGS AT THIS TIME\n\nFRIST IS THE TRUCK BACK WITH TITLE NO MORE LEASE AT ALL OR NEW TRUCK \n\nSECOND AND I WONT THIS IS A SUIT BROUGHT ON THEM AS WELL OR BEING DECEITFUL AND MISLEADING AND BREAKING LAWS AND MORE BAD BUSINESS JUDGEMENTS AS WELL.\n\nSO WHEN YOU XXXX XXXX  HEADDQUARTERS IT COMES UP XXXX IN AND THAT I FOUND LIKE I SAID GOES ROUTED TO XXXX  AR,\n\nI HAVE A PICTURE OF THAT, WHEN YOU ENTER THE WEBSITE AND PICK A LOCATON AND CHOOSE INDIANA  WELLL XXXX  IN LOCATION DONT COME UP HAVE PICTURE AS WELL.\n\n\nLIKE I SAID I DID A LOT OF DIGGING AROUND ON THESE PEOPLE I ACTUALLY HAVE HOME ADDRESSESS AND PHONE NMBERS HOME ONES AND CELLS AND SOCIAL MEDIA WEBSITES THEY CONNECTED TO AS WELL AND MUCH  MORE FAKE WEBSITES, NUMBERS GENERATED TO FULL CONSUMERS INTO BELIVING THEY CALLING CUSTOMER SERVICE BUT NOT THEY JUST CALLING THE STORE THEY HAVING A PROBLEM WITH AND GET TRANSFERRED AROUND FOUND ALSO THAT IF YOU GO TO \n\nXXXX---DIRECT WEBSITE AND MAKE A PAYMENT AND THEY DONT TELL YOU THIS AND I DONT TRUST IT AT ALL SO I DIDNT MAKE A PAYMENT IT TAKES YOU TO A THIRD PARTY WEBSITE NOT EVEN CALLED XXXX OR ANYTHING TO DO WITH XXXX WEBSITES.\n\nALSO FOUND OUT THAT XXXX XXXX IS NOT REGISTERED WITH THE FEDERAL BANK RESERVERS I CHECKED NOT ON THERE NOR IS BYRIDER OR XXXX OR SOME OF THE OTHER NAMES I TRIED TO ENTER AS WELL\n\nI WILL SUBMIT THAT ALL AS WELL. THEY ARE APPARENTLY REGISTERED AND IN.GOV WITH 4 DIFFERENT NUMBERS AS WELL AND DIFFERENT ADDRESSES AND NAMES AND CONTACTS WHICH I DID TRY TO REACH OUT TO AND NOTHING I WILL ATTACH ALL THAT AS WELL.  \n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX----XXXX XXXX, XXXX XXXX (State or Other Jurisdiction of Incorporation or Organization)   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX (Address of Principal Executive Offices, Including Zip Code) (XXXX) XXXX (Registrants Telephone Number, Including Area Code)    XXXX XXXX \n\n\nTHIS RIGHT HERE HIS JUST ONE OF THE REGISTRATION NUMBERS THEY HAVE NOT TO THE ADDRESS THAT THEY SAY IS CORP OFFICE HEADQUARTES DONT EVEN MATCH UP\n\nXXXX XXXX XXXX XXXX XXXX. is an entity registered at Indiana with company number XXXX. Company is incorporated onXX/XX/XXXX. Current status of the company is Merged. The company's agentis XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX - XXXX, USA The company's secretaryis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA The company's presidentis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nCompany information\n\nFrom  \n\n\nXXXX XXXX XXXX XXXX XXXX IS THE SERVING AGENT WHOM I WOULD LIKE SERVED AND EVERYONE ELSE SERVED AS WELL THEY ALL LIE \n\nAgent\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX., XXXX, IN, XXXX - XXXX, USA\nSecretary\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nP\n\nFrom  \n\n\nTHIS IS FROM PAGE 9 TABLE OF CONTENTS REVIEW \n\nThe Company utilizes its Loss Prevention and Recovery Department (the LPR) to perform on-site audits of branch compliance with \nCompany underwriting guidelines. XXXX audits Company branches on a schedule that is variable depending on the size of the branch, length of \ntime a branch has been open, current tenure of the Branch Manager, previous branch audit score and current and historical branch profitability. \nXXXX reports directly to the Accounting and Administrative Management of the Company. The Company believes that an independent review \nand audit of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is \nimpartial.  \n\nTHIS IS FROM PAGE 9 AS WELL CALLED MONITORING AND ENFORCEMENT OF CONTRACTS\n\nThe Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their \nobligations under Contracts and direct loans made by the Company. These reports may be accessed on a real-time basis throughout the \nCompany by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch \noffice. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer \nanalysis reports, static pool reports, and repossession reports.  \nA delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The \nreport includes information such as the account number, address of the customer, home and work phone numbers of the customer, original term \nof the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled \npayment amount, amount of last payment, total past due, and special payment arrangements or agreements.  \nAny account that is less than 120 days old is included on the delinquency report on the first day that the Contract is contractually past due. \nOnce an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an \nacceptable explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the \naccount to current status. When an account is 60 days past due, the Company ceases recognition of income on the Contract and repossession \nproceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has \nbeen repossessed, the related loan balance no longer appears on the delinquency report. Instead, the vehicle appears on the Companys \nrepossession report and is sold, either at auction or to an automobile dealer.  \n\nWhen an account becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to \ndetermine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the \ninformation is entered in its database and is used to generate a Promises Report, which is utilized by the Companys collection staff for \naccount follow up.  \n\nThe Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of \nrepossessed vehicles. In addition to information regarding the customer, this report provides information regarding the date of repossession, \ndate the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage, payoff amount \non the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the vehicle, original dealer and condition of the \nvehicle, as well as notes other information that may be helpful to the Company.  \nThe Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This \nreport allows the Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from \nsuch dealer.  \n\nThe Companys policy is to aggressively pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made \nbeginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made \npayment arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request form is prepared \nby the responsible branch office employee for approval by the Branch Manager for the vicinity in which the borrower lives. Once the \nrepossession request has been approved, first by the Branch Manager and second by the applicable District  \n   \n\n\nTHIS STATES HOW ANYONE IN THE COMPANY CAN ACCESS ALL INFORMATION ALTER INFORMATION BASICALLY DO WHATEVER THEY WANT, NOT PRIVACY \n\nComputerized Information System  \nThe Company utilizes integrated computer systems developed by XXXX to assist in responding to customer inquiries and to monitor the \nperformance of its Contract and direct loan portfolio and the performance of individual customers under Contracts. All Company personnel are \nprovided with real-time access to information from a single shared database. The Company has created specialized programs to automate the \ntracking of Contracts and direct loans from inception. The Companys computer network encompasses both its corporate headquarters and its \nbranch office locations. See Monitoring and Enforcement of Contracts above for a summary of the different reports prepared by the \n\n\n\n\nTHIS THEY VIOLADATED AS WELL  FALSE IMPLICATIONS  PAGE 11\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt.  \n  \n\nNO PRIVACY WITH INTERGRATED DATABASE BUT IT SAYS THEY HAVE TO KEEP OUR STUFF PRIVATE THEY DONT PAGE 11 AS WELL\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt.  \n  \n\nSTATES THEY MAY NOT INTERFER  PAGE 12\n\nBankruptcy. Federal bankruptcy and related state laws may interfere with or affect the Companys ability to recover collateral or \nenforce a deficiency judgment.  \n\n\nNEXT IS ABOUT HOW EMPLOYESS ARE TO HANDLE THINGS AND WHO HANDLES THEM AND THE PROCDURES AND THE DO AND DONTS  ASLO PAGE 12, 13, 14, 15 ,16.17:::IPAGE 14 STATES THAT AS SOON AS THEY REPOSSES A VEHICLE ITS TOOK TO AUTION RIGHT AWAY\n\n\nThe auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to fluctuation due to economic \nand other factors beyond our control.  \nIf we repossess a vehicle securing a Contract, we typically have it transported to an automobile auction for sale. Auction proceeds from the sale \nof repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting \ndeficiency is charged off. In addition, there is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time \nit is sold by a dealer or at auction. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand \nfor, used vehicles at the time of sale. Such supply and demand are dependent on many  \n   \nHERE IT STATES WRONGFUL REPOSSETIONS, BANRUPTCY VIOLATOINS AND MORE\n\nWe are subject to risks associated with litigation.  \nAs a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based \nupon, among other things:  \n   \n   \n   \n   \n   \n   \n   \n   \n   \n12  \n   \n  usury laws;  \n   \n  disclosure inaccuracies;  \n   \n  wrongful repossession;  \n   \n  violations of bankruptcy stay provisions;  \n   \n  certificate of title disputes;  \n   \n  fraud;  \n   \n  breach of contract; and  \n   \n  discriminatory treatment of credit applicants.  \n\n\nSome litigation against us could take the form of class action complaints by consumers. As the assignee of Contracts originated by dealers, we \nmay also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by \nconsumers in these types of actions can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory, \nstatutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as ours, \nincluding employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses \nin the future as a result of litigation or other legal proceedings.  \n\nPAGES 17-21 SAYS THE HAVE TO PRACTICE PROPER COLLECTION POLICES WHICH THEY DID NOT::\n  licensing requirements;  \n  requirements for maintenance of proper records;  \n  payment of required fees to certain states;  \n  maximum interest rates that may be charged on loans to finance new and used vehicles;  \n  debt collection practices;  \n  proper disclosure to customers regarding financing terms;  \n  privacy regarding certain customer data;  \n  interest rates on loans to customers;  \n  telephone solicitation of direct loan customers; and  \n  collection of debts from loan customers who have filed bankruptcy.  \n\n\nAGAIN ON PAGE 18  INTERGRATED DATABASE\n\nWe may experience problems with our integrated computer systems or be unable to keep pace with developments in technology.  \nWe use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology \nchanges rapidly. Our ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-\neffectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological \nchanges that do not necessarily improve our profitability.  \nWe utilize integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and direct loan \nportfolios and the performance of individual customers under our Contracts and direct loans. Problems with our systems operations could \nadversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and direct loans, which could have a material \nadverse effect on our financial condition and results of operations. \n\n\nOKAY THIS ON PAGE 97 OF THEIR POLICY HANDBOOK CALLED GOVERNING LAW.\n\n16. GOVERNING LAW.  \n(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State \nof Florida, except that Section 16(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee \nas the method of dispute resolution.  \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices.  \n\n\n  \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices.\n\nTHESE NEXT FEW PAGES 115 10 125 ARE THE AUTOMOBILE DEALER RETAIL AGREEMENT PLANS:::\n\nThe undersigned Dealer proposes to sell to the undersigned XXXX XXXX XXXX. (XXXX), from time to time, Promissory Notes, Security \nAgreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as Contracts, evidencing \ninstallment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood \nthat XXXX shall have the sole discretion to determine which Contracts it will purchase from Dealer.  \n   \nIndemnity : As a separate and cumulative obligation, Dealer shall defend and hold XXXX harmless from any and all claims, defenses, \noffsets, damages, suits, administrative or other proceedings, cost (including reasonable attorneys fees), expenses, losses, and liabilities. \n(Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of \nindemnification is within 7 days of demand by XXXX. \n\nXXXX XXXX XXXX. (hereinafter referred to as XXXX XXXX XXXX. or the Company) requires ethical conduct in the practice of \nfinancial management in all aspects of business activities.  \nThe XXXX XXXX XXXX. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief \nExecutive Officer, Chief Financial Officer and Controller, as well as certain other senior financial officers, hold an elevated role in corporate \ngovernance and are expected to act in accordance with the highest standards of personal and professional integrity, to comply with all \napplicable laws, rules, and regulations, to preserve and protect shareholders interests, and to abide by the XXXX XXXX XXXX. Code of \nBusiness Conduct and Ethics and other policies and procedures adopted by XXXX XXXX XXXX. that govern the conduct of its employees. \nThis Code of Ethical Conduct is intended to supplement the XXXX XXXX XXXX. Code of Business Conduct and Ethics.  \nAs the Chief Executive Officer, Chief Financial Officer, Controller, or other senior financial officer, I certify to you that I adhere to and \nadvocate the following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to:  \n   \n  a. Comply with the Companys internal policies and procedures; \nb. Act at all times in accordance with the Companys Code of Business Conduct and Ethics which has been provided to me and with \nwhich I will comply; \nc. Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of \ninterest between personal and professional relationships; \nd. Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as \nd\ndocuments filed or submitted to the Securities and Exchange Commission, any governmental, private or public regulatory agency, \nor used in public communications; \ne. Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate \nprivate and public regulatory agencies; \nf. Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or \notherwise legally obligated to disclose such information; \ng. Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or \nallowing my independent judgment to be compromised; \n  h. Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage; \n\n\nTHEY HAVE FIVE PAGES OF DEALERSHIPS THEY GET THERE CARS FROM PAGES ON PAGES ON HOW THEY KEEP FROM PAYING TAXES AND GET EXTRA MONEY THEY ARE CROOKS AND THEY ARE ALL THROUGH ONE MAIN GUY XXXX XXXX XXXX.  \n\nXXXX IS NOT EVEN A REAL BANK THEY GET THEIR MONEY FROM OTHER PLACES\nTHEY STOLE FROM US\n\n\nTHE MAIN STORES COMPANYS WE HAVING ISSUES WITH WILL BE LISTED FIRST ALL THE REST ARE POSSIBLE PLACES WHERE SUPPOSEDLY THEY ARE WHICH ONLINE AND ON SOME OF THEIR WEBSITES THEY ARE LISTED ON ONE OF THE TWO ADDRESSES LISTED FIRST.    ALSO NAMES OF SOME OF THE ASSOCIATES THAT WERE THE MAIN ISSUE ARE LOCATED AT THE XXXX AR LOCATION,  THE ONES TO INDIANA ARE NOT EVEN AT THAT LOCATION I FOUND OUT\n\nXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX AR XXXX\nXXXX\n\nTHE FOLLOWING PEOPLE WHO DID THIS AND HAVE NOT CONTACTED US LIED TO US AND REFUSED TO TALK TO US AND TOLD US","date_sent_to_company":"2017-09-21T19:11:20.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"65616","tags":"Servicemember","has_narrative":true,"complaint_id":"2680977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2017-09-21T16:54:45.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["The Company believes that an independent <em>review</em> \nand <em>audit</em> of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is \nimpartial.  \n\nTHIS IS FROM PAGE 9 AS WELL <em>CALLED</em> MONITORING AND ENFORCEMENT OF CONTRACTS\n\nThe Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their \nobligations under Contracts and direct loans made by the Company."]},"sort":[6.157641,"2680977"]},{"_index":"complaint-public-v1","_id":"12770396","_score":4.0963783,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX | Demand for Validation of Debt and Compliance with Federal Statutes To Whom It May Concern : This letter constitutes a formal dispute and demand for validation According to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( B ) ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) ( hereafter referred to as FCBA, FCRA, and FDCPA respectively ), this notification informs you that a formal request for validation of alleged billing discrepancies and potential violations, which may suggest fraudulent conduct and predatory lending practices, has been initiated.\n\nFurthermore, in accordance with the Health Insurance Portability and Accountability Act ( HIPAA ), I have the right to protect the privacy of my medical records from third parties. I have no\nt authorized any of my current or previous healthcare providers to disclose my medical information to any third party. While I acknowledge that limited information may be shared as permitted by HIPAA, any additional information should only be disclosed with the patient 's explicit consent. Thus, my request encompasses two aspects : debt validatio\nn and HIPAA compliance. It is your responsibility as the relevant entity to provide comprehensive documentation demonstrating your legitimacy as the involved party concerning the aforementioned allegations. This documentation should address and rectify any reported information that does not fully comply with the accuracy, truthfulness, and completeness requirements stipulated not only by FCRA and FDCPA but also in accordance with the XXXX XXXX credit reporting standards. \n\nPlease note that this communication explicitly seeks a thorough validation of the debt in question, in strict accordance with 15 U.S.C 1692g Sec. 809 ( b ) of the FDCPA. It is not simply a request to confirm my mailing address. Moreover, this demand serves as a warning against engaging in actions or making representations that would breach the provisions outlined in 15 U.S.C 1692e, which pertain to the dissemination of false or misleading information.\n\nIt is important to highlight that engaging in practices that violate consumer protection laws and regulations, including but not limited to The Deceptive Trade Practices Act ( 15 U.S.C 45 ), the XXXX Fair Debt Collection Practices Act, Truth in Lending Act ( TILA ), Regulation Z, and Unfair, Deceptive, or Abusive Acts or Practices, is prohibited. As dictated by current jurisprudence governing Federal consumer protection law, Consumer Reporting Agencies are obligated to diligently verify the accuracy of the information they distribute, which exceeds the mere replication of data obtained from secondary sources. Thus, I formally request that your office provide me with verifiable evidence of my alleged financial obligation. This documentation should conform to Federal Rules of Civil Procedure Evidence XXXX and be accompanied by an officially certified XXXX XXXX. Furthermore, I require copies of both the front and back, duly certified as accurate and reflecting any indebtedness that is purportedly my responsibility. \n\nI hereby notify that any further dissemination of unfounded information to the major credit bureausnamely XXXX, XXXX, and XXXX implicate your office in deceptive practices under applicable federal and state statutes. Continuing such actions could expose your office to litigation under the Deceptive Trade Practices Act ( Title 15 U.S.C. 45 ), the Fair Debt Collection Practices Act ( FDCPA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) 501.2077 ( 2 ), and other relevant laws such as TILA, XXXX. XXXX, XXXX, XXXX Tort Fraud, and FCRA. \n\nYour legal advisors should be aware of the severe consequences associated with noncompliance with these statutes, which may lead to scrutiny by the Federal Trade Commission and other regulatory agencies. Non-compliance with the Fair Credit Reporting Act may result in action from the FTC, Consumer Financial Protection Bureau ( CFPB ), state entities, or affected consumers. \n\nUpon receipt of the requested validation documents within XXXX days, I will review them within an identical period during which all collection attempts must be suspended. During this validation period, any action that negatively affects my credit ratings will prompt consultation with legal counsel. Non-compliance with this request could place your company in significant legal jeopardy with federal and state agencies. Failure to provide proper documentation within XXXX days will also constitute continued reporting of invalidated information to any major credit bureau as fraud under both federal and state laws. All inaccurate or invalidated information must be immediately stricken as fraudulent and void ab initio from your Hierarchy until all validation documentation is provided. If your establishment or the company you represent continues to report negative marks on my credit reports without proper validation, I advise you to ensure all records are accurate and validated. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action XXXX XXXX XXXX XXXX Please provide the following : 1. Pursuant to relevant commercial statutes of the State of XXXX, you are hereby requested to provide a certified copy of your business license evidencing your legal authority to conduct business within the State. \nXXXX. Please provide a chain of assignment for this reference XXXX : XXXX. \nXXXX. Please Provide the forward flow agreement. for this reference XXXX : XXXX. \nXXXX. Please provide any are all arbitration agreement for this reference XXXX : XXXX. \nTrust 5. Securitization Clarity : Can you provide documentation detailing whether the alleged debt has been securitized? If so, please furnish the relevant securitization agreement that includes the chain of ownership of this debt from the original creditor to the current entity and any changes in ownership that have occurred.\n\n6. Disclosure of Conditions : Given that securitized debts often involve multiple parties, can you explain how you ensure compliance with FCBA and FDCPA in your communications and reporting practices? What specific measures do you have in place to prevent violations, especially regarding the requirement of clear disclosure?\n\n7. Validation Standards : What internal standards and procedures do you have to validate a debt that is claimed to be securitized? Can you describe how you verify compliance with federal regulations before attempting to collect on such debts?\n\n8. Chain of Custody Documentation : Can you provide a complete chain of custody for the documents substantiating this debt? This includes all agreements, updates, and assignments that have occurred since the inception of the debt. How do you maintain the integrity of the documentation in compliance with federal statutes?\n\n9. Specific Compliance Protocols : Specifically, what protocols are in place to ensure that any handling of this accountespecially communications regarding the debtdoes not violate provisions under the FCRA and FDCPA? Can you provide a detailed description of your training programs for employees regarding compliance with these acts?\n\nTrust Structure and Pool Details 10. Can you provide a detailed description of the specific trust or pool into which my alleged debt has been securitized? Please include the name, date of formation, and the parties involved in the trust and how they relate to my debt.\n\n11. What criteria were used to categorize debts into this trust pool, and how does this categorization impact the servicer 's responsibilities and the collection process?\n\nSecuritization Documentation 12. Please provide access to the securitization agreement, including any prospectus or offering documents related to the trust that includes my alleged debt. What information does this documentation provide regarding the treatment of consumer debts in the pool?\n\n13. Can you clarify any amendments or updates to the original securitization documents that may affect the validation process of my debt?\n\nServicer Responsibilities 14. What role does the servicer play in managing and collecting on the debts within this securitized pool? How is their authority limited in relation to Federal consumer protection laws?\n\n15. Could you provide a detailed explanation\nof the servicing agreement and how it governs the collection practices applied to my account? Specifically, how does this agreement ensure compliance with FCBA, FCRA, and FDCPA?\n\nVerification of Debt Ownership 16. How does XXXX XXXX verify its ownership of the alleged debt given its securitization? Please outline the internal processes used to ensure that records are accurate and complete before such debts are sent to collections. \nXXXX. What documentation can you provide that clearly establishes the chain of ownership from the original creditor to XXXX XXXX and any subsequent transfers related to this debt?\n\nRegulatory Compliance and Reporting 18. What specific procedures does XXXX XXXX have in place to ensure ongoing compliance with XXXX  regulations concerning the reporting of securitized assets? How do these procedures affect the handling of consumer accounts?\n\n19. Can you describe the internal audits or compliance checks that are conducted to ensure that your reporting to credit bureaus aligns with the requirements of both the FCRA and FDCPA?\n\nRemedies for Compliance Issues 20. Should discrepancies arise in the validation process related to the SEC prospectus disclosures, what mechanisms does XXXX XXXX have in place for the remediation of non-compliance in credit reporting? \n21. How can a consumer request a review or correction should inaccuracies be identified?\n\n22. To ascertain the identity of the individual owing the debt in question, please disclose the last four digits of the individual 's social security number for accurate identification, subject to appropriate privacy safeguards.\n\n23. Provide a certified copy of the original contract held by XXXX XXXX XXXX, with XXXX XXXX. \n\n24. Present an authenticated chain of title documentation explicitly verifying your right to collect on this debt. This must include the complete history of the account from the original creditor to XXXX XXXX XXXX, and any subsequent sales or transfers of the alleged debt. \n\n25. Provide certified copies of all agreements leading up to and including the assignment of the debt.\n\n26. Furnish a complete and legible accounting ledger showing each transaction that comprises the total amount claimed as owed. The ledger must be detailed enough to delineate all communication, transactions, service charges, and payments between myself and the alleged creditor.\n\n27. Include any interest computations, fees, charges, or penalties that have contributed to the cumulative amount of the alleged debt, supported by a contractual basis for each charge.\n\n28. Provide a notarized affidavit from an authorized XXXX of XXXX XXXX XXXX affirming that all collection practices related to this account comply with the FDCPA, FCRA, and other applicable federal laws.\n\n29. Include documentation that demonstrates your staff has been trained on these laws and regulations pertaining to debt collection.\n\n30. Submit evidence that your organization has legally obtained the authority to forward the collection of this alleged debt. This includes a certification that XXXX XXXX XXXX possesses all necessary licenses and bonding required to conduct collection actions in the state of Florida.\n\n31. Include a copy of the compliance review performed to ensure adherence to state and federal guidelines.\n\n32. Disclose the identities of all entities and individuals holding a stake in the claim against me, including any partnerships, trusts, or third-party investors that may have financial interests in this debt.\n\n33. Provide a copy of any management agreements or contracts relating to these stakeholders that impact your agencys ability to collect the monetary claim against me.\n\n34. You are required to supply a **Bill of Sale** accompanied by a certification demonstrating the authentic transfer of the debt, as well as evidence that XXXX XXXX XXXX XXXX XXXX **original documents** of the claims being initiated against me by all collection parties.\n\n35. Attach an authenticated copy of the **Servicing Agreement** that grants authority for collections of the debt in question.\n\n36. Provide a certified copy of the contract between the alleged creditor and XXXX XXXX XXXX, demonstrating the purchase of the alleged debt including all related costs.\n\n37. Provide a certified copy of the contract authorizing XXXX XXXX XXXX, to act on behalf of the alleged creditor.\n\n38. Provide certified copies of all records and a full accounting of the referenced account ( ACCT. # as specified in your letter ), including all records from XXXX XXXX XXXX XXXX demonstrating that a valid debt exists. \n\n39. Provide a complete list of all officers of XXXX XXXX XXXX, with full contact information including name, title, direct mailing address, direct phone number ( s ), fax number ( s ), and email address. A link to a website is not acceptable.\n\n40. Provide an affidavit signed under penalty of perjury that XXXX XXXX XXXX or any agent acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Additionally, provide a certified copy of all Public Hazard Bonds and/or Liability Insurance Policies .\n\n41. Furnish an authenticated copy of the Master Servicing Agreement between your organization and the abovementioned client detailing your authority to pursue collection of the alleged debt on behalf of the Trustee.\n\n42. Present a certified copy of any agreements bearing the signature of the alleged debtor wherein they consented to an obligation to pay monies to XXXX XXXX XXXX. \n\n43. Under 15 USC 1641 ( f ) ( 2 ), provide the full legal name, physical address, and telephone number of the fiduciary or trustee who owns the aforementioned debt for purposes of due process and transparency.\n\n44. Present incontrovertible evidence, under oath and subject to penalties of perjury pursuant to Rule 17 of the Federal Rules of Civil Procedure, that verifies your status as the original Holder in Due Course with the necessary standing. This evidence must include a verifiable Bill of Receipt demonstrating actual \" purchase '' and non-divided ownership interest in the specified debt. In addition, any claimed contractual obligations between Trustee et al. and myself must be clearly established.\n\n45. Furthermore, provide all transactional records, ledgers, registers, and other documents reflecting account activity from inception to present. Attach an original signed agreement involving the alleged debtor with your agency ; redact any sensitive personal information to prevent misuse or identity theft. Affirm that you or your company retain ownership and Holder in Due Course status over this agreement, providing proof thereof.\n\n46. For full transparency regarding the alleged financial obligation currently under collection, you are requested to produce all pertinent accounting records. This includes a detailed general ledger or other account statements detailing all entries related to the obligation. Specifically, if applicable, furnish documents such as Form XXXX XXXX balance sheets ( XXXX Numbers XXXX, XXXX, XXXX ), any relevant Form XXXX OID reports, Form XXXX registration statements, Form XXXX prospectuses, as well as RC-S and RC-B call schedules. \n\n47. Additionally, provide the authenticated name and official capacity of the individual ( s ) appointed as Trustee or any equivalent fiduciary within the Corporation responsible for debt collection activities. This request also includes information regarding the XXXX XXXX XXXX  and their subordinate officers tasked with collections.\n\n48. If your entity is acting as a third-party debt collector concerning the aforementioned debt obligation, certify that you have not acquired any evidence of said debt and are proceeding with collection solely as an agent for the original creditor of record for this agreement. \n\n49. Under relevant legal and regulatory provisions, you are required to furnish written validation from the aforementioned creditor confirming your authorization to represent them in this matter.\n\n50. Subsequent communications to the Claimant, following the receipt of this notice, without proper procedural validation of the alleged debt, may infringe upon Title 18 of the United States Code, Part I Chapter 63 Section 1341. Such actions could be interpreted as intentional fraudulent practices via inter-state communications, based on disseminating known false information with reliance thereon resulting in detrimental consequences.\n\n51. You are required to provide a comprehensive copy of any insurance or securities claims asserted by any creditor or trustee related to this account.\n\n52. Additionally, supply all relevant security instruments associated with this account, whether certificated or uncertificated, including both front and back imprints evidencing the facilitation of account funding.\n\n53. All contracts and agreements pertinent to this account must be disclosed. This includes, but is not limited to, Service Agreements, Custodial Agreements, Master Purchase Agreements, and Issuer Agreements established with any Government-Sponsored Enterprises ( GSEs ).\n\n54. Moreover, complete disclosure is required for all Pooling Agreements encompassing this account in which a GSE is a party.\n\n55. Provide complete records of all agreements, contracts, and mutual understandings enacted with third-party vendors for services rendered in connection with charges levied against this account from its inception to the present day.\n\n56. This request extends to all Commitment to Guarantee agreements and Release of Document agreements entered into between your establishment and any GSEs.\n\n57. Furnish copies of the Master Agreement for Servicer 's Principal and Interest Custodial Accounts as well as records pertaining to any Servicers Escrow Custodial Accounts between the Trustee and your organization in connection with any GSE interactions.\n\n58. Provide all Trustee agreements pertinent to the acc\nount in question or relating to any collective accounts with any Government-Sponsored Enterprise ( GSE ).\n\n59. Provide documentation of any communications directed to the presumed debtor, including a record demonstrating the precise date and time these communications were dispatched by post from your institution. This request encompasses correspondences sent prior to reporting adverse credit information or within a thirty-day period subsequent to such reporting. It is incumbent upon your organization to ensure these notifications are distinctly legible and prominent in nature, adhering strictly to the model disclosures provided by the Consumer Financial Protection Bureau under 12 CFR Part 1022, Appendix B, pursuant to Fair Credit Reporting Act Section 623 ( a ) ( 7 ).\n\n60. An authenticated copy of your organizations license permitting debt collection activities within the State of XXXX. \n\n61. Evidentiary proof that the purported debt is not subject to expiration as per the applicable statute of limitations.\n\n62. A bona fide copy of your servicing agreement or documented Power of Attorney granted by the trustee.\n\n63. A true and correct copy of The Pooling and Servicing Agreement associated with the alleged account.\n\n64. Accurately documented details including the name, address, and Committee on Uniform Security Identification Procedures ( CUSIP ) number related to the alleged account.\n\n65. Any decrees or judgments obtained by any creditor or Trustee concerning this account.\n\n66. The full legal name, current address, and telephone number of the Trustee.\n\n67. The names and addresses of all individuals, corporate entities, associations, or third parties with a vested interest in legal proceedings concerning the alleged indebtedness.\n\n68. Disclosure of the full name and address of the individual or entity purported to owe the debt ( \" Alleged Debtor '' ).\n\n69. Provision of a complete ledger and accounting breakdown detailing the composition and calculation of the alleged debt being pursued.\n\n70. Statement of the precise amount claimed as owed under the alleged debt.\n\n71. Specification of the date when the alleged debt became due and payable.\n\n72. Identification of the date on which the original charge became delinquent or was written off.\n\n73. Confirmation that the right to collect this debt has been lawfully transferred or sold to your collection agency.\n\n74. Detailed statement reflecting every transaction and credit applied to the account in question, summarily comprising a comprehensive accounting of said alleged debt.\n\n75. Declaration regarding any contingent compensation attributable to your organization upon successful recovery of the alleged debt.\n\nIt is imperative that you acknowledge that any further attempt to contact me regarding this matter, absent satisfactory provision of each item delineated above in compliance with my validation request, could constitute mail fraud under 18 U.S.C 1341, for knowingly perpetrating an illegitimate claim through interstate communication channels with intent to deceive and cause foreseeable harm. \n\nFurthermore, you are instructed to submit evidence identifying the surety bond provider for XXXX XXXX XXXX for any necessary legal proceedings. Absence of such documentation or failure to adequately validate the alleged debt as stipulated completed and returned with all requested documents within 30 days of receipt herein will result in your claims being treated as nullified and extinguished ; such claims shall not be subject to resale or further collection activities and must be expunged from your records accordingly. \n\n\nPlease note that a consumer credit contract is insufficient for validation. Validation requires the presentment of the account and a general ledger statement signed and dated by the responsible party. Relevant case law includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. \nBe advised that pursuant to Section 617 of aforementioned Federal Law ( 15 U.S.C. 1692g ), failure or negligence in complying with this law is very clear as to the Civil liability and the remedy available to me for the \" negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. \n\n\nRespectfully, XXXX XXXX Litigation I have not been supplied proof per doctrine of estoppel by silence as established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume no evidence of the alleged debt exists. \nPlease note that in accordance with legal precedents, a mere copy of the consumer credit contract does not suffice to substantiate the validity of the asserted debt. Proper validation is contingent upon the provision of the relevant account statement, together with a general ledger record, each authenticated by signature and date from the individual responsible for managing said account. This requirement is in alignment with established case law, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nEXHIBIT A CREDITOR DISCLOSURE STATEMENT Collector ( Assignee ) Information : Name and Address : [ Collectors Name and Address ] Debtor Information : Name and Address : [ Debtors Name and Address ] Account Identification : [ Account Number ( s ) ] Assignment Terms : Please delineate the terms of assignment for the subject account, including any associated documents or facsimiles evidencing such terms. \n\nInsurance Claims : Indicate whether any insurance claims have been filed by any creditor or assignee in connection with the aforementioned account.\n\n[ ] Yes [ ] No Tax Deduction Claims : Confirm if the stated balance of this account has been included in any tax deduction claims to date.\n\n[ ] Yes [ ] No Products or Services Detailed Account : List the specific products or services provided by the collector to the debtor, along with the associated monetary amounts for each. \n\nValidation Failure or Refusal Consequences : Please acknowledge that upon a failure or refusal by the collector to validate this debt collection action, the collector must relinquish all claims against the debtor named herein and will be responsible for reimbursing the debtor for all resulting legal costs and attorney fees incurred in defense against this collection action.\n\nAuthorized Representatives Signature : ____________________________________________ Date : ____________________________________________ Compliance Notice : You are required to return this duly completed form alongside all pertinent assignment or transfer documents substantiating your right to collect on this debt. Incomplete submissions or failure to provide necessary documentation precludes consideration of your claim. Pursuant to the Fair Debt Collection Practices Act, non-compliance with this validation request mandates that your claim be disregarded and may expose you to liability for damages resulting from continued attempts at collection. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nREQUESTED INFORMATION AGREEMENT AUTHORIZING THE COLLECTION OF ALLEGED DEBT This document serves as an agreement between ________ XXXX XXXX, XXXX ( hereinafter referred to as \" Creditor '' ) and the client, granting Creditor the authority to collect the alleged debt. \n\nCreditor is required to answer the following questions by checking the appropriate checkbox. If any insurance claims have been made by any entity holding the Debtor 's account, Creditor must select the checkbox labeled \" Yes '' below the first question.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No Creditor is also required to indicate if any judgments have been obtained by any credit regarding this account, by selecting the checkbox labeled \" Yes '' below the second question.\n\n2. Have any judgments been obtained by any credit regarding this account?\n\nYes No If no insurance claims or judgments have been made regarding the account in question, Creditor must chec\nk the box labeled \" No ''.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\n2. Have any judgments been obtained by any credit regarding this account?\n\nNo If Creditor has filed any paperwork with the courts resulting in any judgments regarding the account in question, the checkbox labeled \" Yes '' below the question beginning with the words \" Have Any Judgments ... '' should be marked.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No 2. Have any judgments been obtained by any credit regarding this account?\n\nYes No If no judgments have been made regarding the account in question, the box labeled \" No '' must be selected.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No 2. Have any judgments been obtained by any credit regarding this account? \nYes -No The blank space that precedes the label \" XXXX XXXX, XXXX '' shall be completed with the Debt Collector 's full name. \n\nPlease provide the name and address of the bonding agent for \" XXXX XXXX, XXXX \" in the event that legal action becomes necessary. \n\n__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ Most Debt Collectors are required to have a bonding agent in place, either actively involved or retained, should they be called upon. The legal name and mailing address of this agent should be provided on the lines below the statement \" ... In Case Legal Action Becomes Necessary. '' In case legal action becomes necessary. \n\n__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ The Creditor, typically a financial institution rather than an individual, must appoint an Authorized Signature Representative to physically sign the line labeled \" Authorized Signature Of Creditor. '' The Authorized Signature Representative shall also enter the current calendar date on the line labeled \" Date. '' Authorized Signature of Creditor : __________________________________________ Date : _______________________ EXHIBIT B NOTICES TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( \" FCRA '' ), as amended, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( \" CRAs '' ). These responsibilities are found in Section623 of the FCRA. State law may impose additional requirements. All furnishers of information to CRAs should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission 's Internet website ( XXXX XXXX XXXX ). Section 623 imposes the following duties : General Prohibition on Reporting Inaccurate Information : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( \" CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ) Duty to Correct and Update Information : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section623 ( a ) ( 2 ) Duties After Notice of Dispute from Consumer : If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific Information is inaccurate, and the information is in fact inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( l ) ( B ) Duties After Notice of Dispute from Consumer Reporting Agency : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by th","date_sent_to_company":"2025-04-02T01:40:26.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"12770396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Federal Credit Control, Inc.","date_received":"2025-04-02T01:15:24.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Can you describe the <em>internal</em> <em>audits</em> or compliance checks that are conducted to ensure that your reporting to credit bureaus aligns with the requirements of both the FCRA and FDCPA?\n\nRemedies for Compliance Issues 20. Should discrepancies arise in the validation process related to the SEC prospectus disclosures, what mechanisms does XXXX XXXX have in place for the remediation of non-compliance in credit reporting? \n21."],"company":["First Federal Credit <em>Control</em>, Inc."]},"sort":[4.0963783,"12770396"]},{"_index":"complaint-public-v1","_id":"15977223","_score":3.8850296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"# # CFPB Complaint Draft : Reinsertion Violation & Regulatory Failure * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, XXXX, and XXXX  XXXX Despite submitting two separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. \n\nI submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) * *.\n\n-- - # # # Violations Documented : - * * FCRA 611 ( a ) ( 5 ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. \n- * * FCRA 623 ( a ) ( 3 ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. \n- * * FDCPA 807 : * * Misrepresentation of resolution status and failure to cease collection activity. \n- * * CFPB Oversight Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. \n\n-- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. \nXXXX. * * Audit XXXX  certification of accuracy * * and reinsertion logs across all three bureaus. \nXXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. \nXXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. \n\n-- - # # # Supporting Documents : - XXXX  duplicate response letters- Credit reports from Equifax, XXXX, and XXXX  - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It May Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across XXXX, Equifax, and XXXX, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. \nXXXX  REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet XXXX  shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. \nEQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : XXXX XXXX XXXX  : Original Creditor XXXX  Status : XXXX XXXX XXXX  XXXX XXXX XXXX \nAccount History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for 2+ years, unresolved status, confirming the data was unverifiable and or improperly furnished. \nXXXX  REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated XXXX XXXX XXXX Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet XXXX  continues reporting the account with no payment activity or verified updates. \nXXXX  FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable Federal, State and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account ending in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" Debt Buyer '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, XXXX  and XXXX  ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and other XXXX XXXX XXXX and local law, and industry guidelines. XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( XXXX  XXXX ) XXXX credit card account ending in XXXX from XXXX  XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX  and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits XXXX  ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \nContradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb Known Practices & Risks XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX itself furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. \nCFPB Enforcement Actions Against XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was placed under a consent order prohibiting these practices going forward. \nXXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to CFPBs victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices CFPA : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for errors XXXX itself furnished CFPB Director Rohit Chopra called XXXX a repeat offender, stating : After getting caught red-handed in XXXX, XXXX XXXX XXXX  continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits. \nFederal Trade Commission ( FTC ) Enforcement Portfolio XXXX XXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings : XXXX collection letters violated Section 5 of the FTC Act , which prohibits unfair or deceptive practices XXXX also violated the FDCPA, specifically : o 807 ( 2 ) ( A ) : False representation of the character, amount, or legal status of any debt o 807 ( 10 ) : Use of false representation or deceptive means to collect a debt o 809 ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed to a consent decree with the FTC Required to change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case 1. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion 2. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your XXXX, Equifax, and XXXX  records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute 3. Legal Precedent for Deletion The CFPBs XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief 4. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB consent order Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. \nMy Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( XXXX XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information XXXX misrepresented the account status, inflating credit utilization and misleading lenders. \nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. \nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. \nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and XXXX  own CFPB response. \nSECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. \nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Reporting a third-party purchase as a direct loan is a false claim of origin and enforceability.\n\nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). \nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. \nSECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX XXXX  XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict XXXX  current reporting and collection practices. \nCharge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. \nXXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. \nIn many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. \nIRS Reporting Implications Capital One issued a Form 1099-C ( Cancellation of Debt ), the debt is considered canceled under IRS regulations .\n\nOnce canceled, the debt is no longer legally enforceable, and any attempt to collect or report it may constitute double recovery, which is unlawful. \nXXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an Open account under the consumers name. \nOwnership Transfer and Legal Status XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. \nThis transaction is strictly between XXXX and XXXX XXXXthe consumer was not a party to the sale. \nXXXX now owns the collection rights, but not the original contract or terms. \nReporting the account as Open falsely implies an active relationship and ongoing liability, which violates federal law.\n\nViolations Triggered by Misclassification Federal Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Failure to correct and update after dispute FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of any debt FDCPA 807 ( 10 ) Use of deceptive means to collect a debt FDCPA 809 ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if 1099-C was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad debt deduction rules Strategic Conclusion XXXX XXXX has already claimed the debt as a loss and been compensated. XXXX  reporting of this account as Open and Debt Buyer misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. \nSECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. 453 and Publication 535 Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad Debt Deduction Rules According to IRS Topic No. 453 and Publication 535 : A business may deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. \nInsurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. \nLegal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of legal status IRS Code XXXX collects on a canceled or deducted debt, it may trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. \nDEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from XXXX, Equifax, and XXXX  under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 3 ).\n\n2. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, or any third-party collector, may reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions may be made to my credit reports regarding any account furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX  XXXX XXXX  XXXX XXXX XXXX or any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and FDCPA 807.\n\no Notification to all bureaus per FCRA 611 ( a ) ( 5 ) ( B ) 3. Regulatory review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. \nXXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement.","date_sent_to_company":"2025-09-16T19:39:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"15977223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-16T19:38:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[". * * <em>Audit</em> XXXX  certification of accuracy * * and reinsertion logs across all three bureaus. \nXXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed 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