{"took":468,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":164,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21992232","_score":15.206418,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Request for intervention regarding bank negligence and failure to provide military consumer protection.\n\nI am filing this complaint to request the intervention of this federal agency due to Capital Ones negligence. The banks fraud department prematurely closed a forgery investigation, completely ignoring an official police report from Texas classified as XXXX XXXX XXXX. \nAs an XXXX XXXX XXXX XXXX, this negligence is causing severe distress and potentially jeopardizing my military standing and security clearance. Despite the fact that the contract in question is the product of a criminal act of forgeryand therefore void by lawthe bank decided to validate the debt based on an internal narrative that ignores the criminal evidence provided.\n\nWhile the case has been escalated to the banks executive level, the institution continues to fail in recognizing the severity of the fraud or applying the appropriate legal protections I am entitled to as a service member. I am requesting the CFPBs collaboration to ensure a fair and thorough investigation and to stop the negative impact this negligence is causing. The bank is validating a criminal transaction to avoid its responsibility, failing in its duty to protect those who serve.","date_sent_to_company":"2026-05-07T21:18:19.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"21992232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-07T21:00:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> to request the intervention of this <em>federal</em> agency due to Capital Ones negligence. The banks fraud department prematurely closed a forgery investigation, completely ignoring an official police report from Texas classified as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. \nAs an <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, this negligence is causing severe distress and potentially jeopardizing my military standing and security clearance."]},"sort":[15.206418,"21992232"]},{"_index":"complaint-public-v1","_id":"19272523","_score":13.75924,"_source":{"product":"Credit card","complaint_what_happened":"Company : Bank of America XXXX : Credit card Issue : Fraudulent charges/ unauthorized transactions Amount : {$5900.00} Date of fraud : XX/XX/2025 Claim number XXXX Complaint narrative : I am filing this complaint regarding Bank of Americas denial of my fraud claim involving unauthorized credit card charges totaling {$5900.00} made on XX/XX/2025. \n\nThese transactions were not authorized by me, I did not benefit from them, and they were made without my knowledge or consent. Once I became aware of the charges, I promptly reported them to Bank of America and fully cooperated with their investigation. \n\nDespite this, Bank of America denied my fraud claim. The denial did not adequately explain how these charges were determined to be authorized, nor did it address the fact that I dispute responsibility for them under federal consumer protection laws governing unauthorized credit card use. \n\nI am requesting that Bank of America : Reopen and properly investigate this fraud claim Permanently credit the disputed amount of {$5900.00} Remove any interest, fees, or negative credit reporting related to these charges Provide a written explanation of their findings and evidence used to deny the claim I believe Bank of Americas handling of this matter is inconsistent with its obligations to protect consumers from unauthorized credit card transactions. I am seeking a fair resolution and full reversal of the fraudulent charges. \n\nWhat resolution are you seeking? \n\nFull refund of unauthorized charges, removal of related interest and fees, and correction of any credit reporting.","date_sent_to_company":"2026-02-05T15:38:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"342XX","tags":"Older American","has_narrative":true,"complaint_id":"19272523","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-02-05T15:20:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Company : Bank of America <em>XXXX</em> : Credit card Issue : Fraudulent charges/ unauthorized transactions Amount : {$5900.00} Date of fraud : <em>XX/XX</em>/2025 Claim number <em>XXXX</em> <em>Complaint</em> <em>narrative</em> : I am filing this <em>complaint</em> regarding Bank of Americas denial of my fraud claim involving unauthorized credit card charges totaling {$5900.00} made on <em>XX/XX</em>/2025. \n\nThese transactions were not authorized by me, I did not benefit from them, and they were made without my knowledge or consent."]},"sort":[13.75924,"19272523"]},{"_index":"complaint-public-v1","_id":"19243722","_score":13.744144,"_source":{"product":"Credit card","complaint_what_happened":"CFPB COMPLAINT UNLAWFUL RETALIATION & WRONGFUL CREDIT ACCOUNT CLOSURES Company : Synchrony Bank Products Affected : PayPal XXXX XXXX Credit Card Issue : Account closed / credit line reduced Retaliation for exercising consumer rights Unfair and deceptive acts or practices Complaint Narrative I am filing this complaint to report unlawful retaliatory conduct by Synchrony Bank in violation of federal consumer-protection law. \nOn or about last week, I filed a consumer complaint disputing the denial of my XXXX XXXX XXXX. That complaint constitutes protected activity under federal law. \nWithin days of filing that complaint, Synchrony Bank abruptly closed XXXX separate, unrelated, and previously well-managed credit accounts : My PayPal XXXX XXXX XXXX credit card These closures occurred without any adverse change whatsoever in my credit profile, risk posture, or account conduct. Specifically : My payment history on both accounts was perfect No balances were delinquent No fraud, misuse, or policy violations were alleged No material change in income, credit score, utilization, or debt occurred No prior warnings or legitimate risk explanations were provided The only intervening event was my protected consumer complaint regarding the XXXX XXXX XXXX denial. \n\nThe timing, selective nature, and lack of justification for these closures demonstrate clear retaliation for exercising my consumer rights. \n\nLegal Violations Synchrony Banks actions constitute violations of, at minimum : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ) Retaliation against a consumer for exercising rights under federal credit laws is prohibited.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nAdverse action taken without a valid or lawful basis, resulting in credit harm.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Punitive account closures used to deter or punish consumer complaints undermine the integrity of the consumer-complaint process. \nThese actions also violate basic principles of good-faith account administration and consumer-protection policy. \n\nHarm to Consumer As a direct result of Synchrony Banks retaliatory conduct, I have suffered : Immediate and material credit harm due to loss of available credit Artificially increased utilization ratios Suppression of credit scores through no fault of my own Financial and reputational injury Emotional distress caused by arbitrary punitive action This harm is ongoing. \n\nResolution Sought I am requesting CFPB assistance to require Synchrony Bank to : Immediately reinstate my PayPal XXXX and XXXX accounts with original terms and limits ; Remove any adverse internal or external reporting associated with the closures ; Provide written confirmation that my consumer complaint was not used as a basis for adverse action ; Ensure no retaliatory flags or risk markers remain on my consumer profile. \n\nAdditional Information This complaint is submitted in good faith. If this matter is not resolved promptly, I am prepared to pursue further regulatory escalation and legal remedies.","date_sent_to_company":"2026-02-04T16:50:35.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"908XX","tags":null,"has_narrative":true,"complaint_id":"19243722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-04T16:47:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["On or about last week, I filed a consumer <em>complaint</em> disputing the denial of my <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. That <em>complaint</em> constitutes <em>protected</em> activity under <em>federal</em> law. \nWithin days of filing that <em>complaint</em>, Synchrony Bank abruptly closed <em>XXXX</em> separate, unrelated, and previously well-managed credit accounts : My PayPal <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> credit card These closures occurred without any adverse change whatsoever in my credit profile, risk posture, or account conduct."]},"sort":[13.744144,"19243722"]},{"_index":"complaint-public-v1","_id":"15239468","_score":13.517533,"_source":{"product":"Credit card","complaint_what_happened":"Company : Navy Federal Credit Union Product : Credit card or prepaid card ( or select Checking or savings account if applicable ) Issue : Fraud or scam Transaction was not authorized Narrative / Complaint : On XX/XX/year>, Navy Federal Credit Union concluded that a billing error occurred on my account ending in XXXX. The disputed transactions took place internationally/overseas, in locations I could not have possibly accessed, as I did not travel abroad during the relevant period. \n\nWhen I initially disputed these charges, Navy Federals own fraud specialists confirmed that my account had been compromised online. They reset my username and password to protect against further unauthorized access.\n\nDespite this confirmation, the account still reflects fraudulent use and an account opening I did not authorize. I have provided supporting documentation, including correspondence from Navy Federal confirming the account compromise, records of the credential reset, and billing statements showing the disputed transactions.\n\nLegal Basis and Consumer Rights : Fair Credit Billing Act ( FCBA ) and Truth in Lending Act ( TILA ) / Regulation Z require the creditor to conduct a reasonable investigation, provide a written explanation of findings, and prove that the transactions were authorized before holding me responsible.\n\nUnder these laws, the burden of proof is on Navy Federal to demonstrate authorization with verifiable evidence such as signed receipts, merchant verification data, IP logs, or location recordsnot speculative conclusions.\n\nElectronic Fund Transfer Act ( EFTA ) / Regulation E protections apply if any disputed transfers occurred via debit or ACH.\n\nNorth Carolina General Statutes 75-1.1 prohibit unfair or deceptive acts in commerce, including failing to provide proof of debt validity and ignoring consumer requests for investigative records.","date_sent_to_company":"2025-08-12T02:33:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28786","tags":"Servicemember","has_narrative":true,"complaint_id":"15239468","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-12T02:30:13.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Company : Navy <em>Federal</em> Credit Union Product : Credit card or prepaid card ( or select Checking or savings account if applicable ) Issue : Fraud or scam Transaction was not authorized <em>Narrative</em> / <em>Complaint</em> : On XX/XX/year>, Navy <em>Federal</em> Credit Union concluded that a billing error occurred on my account ending in <em>XXXX</em>. The disputed transactions took place internationally/overseas, in locations I could not have possibly accessed, as I did not travel abroad during the relevant period."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[13.517533,"15239468"]},{"_index":"complaint-public-v1","_id":"20537159","_score":13.35242,"_source":{"product":"Student loan","complaint_what_happened":"CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... \nHOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm. \nBACKGROUND I am a person with a XXXX XXXX XXXX XXXXXXXX ( XXXX - XXXX XXXX ). In XX/XX/XXXX, I submitted a valid TPD discharge application for my federal student loans. My physician, XXXX XXXX XXXX, completed the XXXX XXXX XXXX both electronically and with a manual signature. The XXXX system recorded the XXXX XXXX XXXX as completed on XX/XX/XXXX. I have documentation confirming both submissions. \nISSUE 1 : IMPROPER DENIAL AND MISHANDLING OF TPD APPLICATION Despite valid physician certification, my TPD application was denied on the basis that there was 'no physician signature ' which is factually incorrect and contradicted by the TPD system 's own records showing the signature was completed XX/XX/XXXX. This appears to be an XXXX XXXX X CFPB Complaint XXXXXXXX XXXX was completed XX/XX/XXXX. This appears to be an administrative error by the servicer or the federal processing system. I was subsequently required to submit a reconsideration request and am now under an active reconsideration period with a deadline of XX/XX/XXXX. \nISSUE 2 : FAILURE TO PROTECT LOANS DURING TPD REVIEW IMPROPER CREDIT REPORTING Under federal law and Department of Education guidelines, when a XXXX  application is under active review, the borrower 's loans must be placed in administrative forbearance. During this period, no negative balance increases, adverse status changes, or harmful credit reporting should occur. \nAidvantage has violated this protection. Every month since my TPD application was submitted in XX/XX/XXXX, XXXX ( pulling Equifax XXXX ) has alerted me that the monthly balance reported on my DEPT OF ED/ADVANTAGE account has increased. This has happened repeatedly and consistently, constituting a pattern of improper credit reporting during a legally protected forbearance period. \nThis improper reporting has caused my XXXX XXXX to drop from approximately XXXX to approximately XXXX - a loss of roughly XXXX points. This credit damage has directly harmed my ability to secure business financing for my company ( XXXX ), purchase a disability-accessible home, and maintain my overall financial stability. \nThe only legitimate credit activity on my report during this period is from XXXX XXXX ( XX/XX/XXXX ) and Georgia XXXX ( XX/XX/XXXX ). All other adverse reporting on this federal student loan account is improper and has occurred during a period in which I should have been fully protected. \nISSUE 3 : ADVANTAGE HAD NO RECORD OF MY XXXX  APPLICATION When I contacted Advantage directly, representatives initially stated they had no record of my TPD application. \nThis failure to maintain or access accurate records of an active federal XXXX discharge application is a serious servicing failure. Advantage subsequently opened an internal claim and escalated my case to their Customer Advocate Unit, and my loans were placed in forbearance but not before significant harm had already occurred. \nISSUE 4 : VERBAL ACKNOWLEDGMENT OF ERRORS BY FEDERAL STUDENT AID Representatives from Federal Student Aid ( FAFSA ) verbally acknowledged that mistakes were made in the handling of my case. Despite this acknowledgment, no corrective action has been taken to reverse the credit damage caused by these errors. \nHARM CAUSED As a direct result of Advantage 's mishandling of my TPD application and improper credit reporting, I have suffered the following specific harms : 1. Credit score decline of approximately XXXX points ( from XXXX to XXXX ) causing ongoing financial harm XXXX. Inability to secure business financing for XXXX, my housing and internship ecosystem for underserved students XXXX. Inability to purchase a disability-accessible home suitable for my medical needs 4. Ongoing monthly credit damage that continues to worsen 5. Emotional distress and financial instability caused by a process that should have been straightforward RELIEF REQUESTED I respectfully request that the CFPB : 1. Investigate Advantage 's handling of my TPD discharge application and XXXX XXXX XXXX XXXX XXXX. Require Advantage to immediately correct all inaccurate credit reporting to all three credit bureaus ( Equifax, Experian, TransUnion ) for the period XX/XX/XXXX to present XXXX. Require Advantage to ensure my loans remain in proper administrative forbearance pending final TPD discharge determination 4. Require Advantage to provide a written account of all actions taken on my account since XX/XX/XXXX XXXX. Investigate whether XXXX 's practices constitute a pattern of violations affecting other XXXX  applicants SUPPORTING DOCUMENTATION AVAILABLE TPD system screenshot confirming XXXX XXXX XXXX completed XX/XX/XXXX XXXX reconsideration notice with XX/XX/XXXX deadline XXXX monthly alerts confirming repeated DEPT OF EDIAIDVANTAGE balance increases Advantage forbearance confirmation notice Aidvantage Customer Advocate Unit escalation notice XXXX XXXX documentation showing decline from XXXX to XXXX","date_sent_to_company":"2026-03-25T11:45:11.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"20537159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-24T12:43:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["HOW TO FILE : Go to consumerfinance.gov/<em>complaint</em> Select 'Student loan ' Select '<em>Federal</em> student loan ' Company : Aidvantage Paste the <em>narrative</em> below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : <em>Federal</em> student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) <em>COMPLAINT</em> <em>NARRATIVE</em> COPY AND PASTE THIS ENTIRE SECTION I am filing this <em>complaint</em> against Advantage ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"company":["Maximus <em>Federal</em> Services, Inc."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[13.35242,"20537159"]},{"_index":"complaint-public-v1","_id":"13830333","_score":13.197287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Narrative for CFPB Complaint Submission I am submitting this complaint due to the ongoing inaccurate and unverifiable reporting of a XXXX  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and protect my identity. \n\nA XXXX XXXX XXXX is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts. However, I have never filed for XXXX, and after directly contacting the XXXX XXXX  XXXX, I received written confirmation that they do not furnish or verify XXXX  information to any credit reporting agencies. This makes the source of this XXXX  entry unverifiable and unreliable. \n\nIn addition, I have already disputed this account multiple times with each credit bureau and requested : The method of verification used to confirm the XXXX. \n\nThe name and contact information of the furnisher of this data. \n\nA reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nNone of the bureaus have provided verification or validation of this XXXX. Instead, they have repeatedly verified the account without supplying any documentation or source, violating their obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. \n\nFurthermore, I am a documented victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) ( Report # : ) and a police report with my local law enforcement agency ( Case # : ). My personal identifying information was compromised in a data breach and has been used to open multiple fraudulent accounts. I believe this fraudulent XXXX  may be linked to that identity theft. \n\nTo protect my identity and prevent further damage, I have frozen my XXXX file, as they often provide public records data to the credit bureaus. Despite this, the XXXX  continues to be reported without explanation or verification. \n\nI also want to point out the inconsistencies across the credit bureaus. For example, only two out of three bureaus are reporting other fraudulent or disputed accounts, which further confirms that the reporting process is arbitrary and inconsistent.","date_sent_to_company":"2025-06-01T20:32:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"13830333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-01T20:21:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Narrative</em> for CFPB <em>Complaint</em> Submission I am submitting this <em>complaint</em> due to the ongoing inaccurate and unverifiable reporting of a <em>XXXX</em>  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and <em>protect</em> my identity. \n\nA <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts."]},"sort":[13.197287,"13830333"]},{"_index":"complaint-public-v1","_id":"13830106","_score":13.159001,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Narrative for CFPB Complaint Submission I am submitting this complaint due to the ongoing inaccurate and unverifiable reporting of a XXXX  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and protect my identity. \n\nA XXXX XXXX XXXX is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts. However, I have never filed for XXXX, and after directly contacting the XXXX XXXX  XXXX, I received written confirmation that they do not furnish or verify XXXX  information to any credit reporting agencies. This makes the source of this XXXX  entry unverifiable and unreliable. \n\nIn addition, I have already disputed this account multiple times with each credit bureau and requested : The method of verification used to confirm the XXXX. \n\nThe name and contact information of the furnisher of this data. \n\nA reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nNone of the bureaus have provided verification or validation of this XXXX. Instead, they have repeatedly verified the account without supplying any documentation or source, violating their obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. \n\nFurthermore, I am a documented victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) ( Report # : ) and a police report with my local law enforcement agency ( Case # : ). My personal identifying information was compromised in a data breach and has been used to open multiple fraudulent accounts. I believe this fraudulent XXXX  may be linked to that identity theft. \n\nTo protect my identity and prevent further damage, I have frozen my XXXX file, as they often provide public records data to the credit bureaus. Despite this, the XXXX  continues to be reported without explanation or verification. \n\nI also want to point out the inconsistencies across the credit bureaus. For example, only two out of three bureaus are reporting other fraudulent or disputed accounts, which further confirms that the reporting process is arbitrary and inconsistent.","date_sent_to_company":"2025-06-01T20:32:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"13830106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-01T20:31:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Narrative</em> for CFPB <em>Complaint</em> Submission I am submitting this <em>complaint</em> due to the ongoing inaccurate and unverifiable reporting of a <em>XXXX</em>  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and <em>protect</em> my identity. \n\nA <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts."]},"sort":[13.159001,"13830106"]},{"_index":"complaint-public-v1","_id":"14409045","_score":12.755287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for their continued failure to accurately report and investigate multiple incorrect and damaging entries on my credit report. Despite numerous disputes and formal requests in accordance with the Fair Credit Reporting Act ( FCRA ), Equifax has failed to correct or remove inaccurate, incomplete, and unverifiable information. The following accounts are being reported with serious inaccuracies, resulting in significant harm to my creditworthiness, emotional distress, and financial standing. \nXXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Late Payment * * Issue : This account is reporting multiple late payments which I have disputed due to errors in payment application and misreporting of timely payments. Equifax failed to provide validation or proper reinvestigation.\n\nLaw Violated : FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct reasonable reinvestigation. FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. \nNarrative : I made multiple on-time payments that were not reflected accurately in the reporting of this account. I requested a full investigation, but Equifax merely \" verified '' the data without evidence or a thorough review. I believe this is a negligent and harmful act that violates my rights under FCRA. \nXXXX  XXXX  Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1400.00} Charge Off * * Issue : This account is listed as a charge-off with an outstanding balance that I have disputed. No documentation has been provided by Equifax to substantiate this derogatory entry.\n\nLaw Violated : FCRA 611 and 607 ( b ) Failure to validate and failure to ensure accurate reporting. \nNarrative : The account was paid off through a negotiated settlement, yet Equifax continues to report it as charged-off with a balance owed, which is both inaccurate and misleading. This has severely damaged my credit score and denied me fair access to credit. \nXXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : This account reflects a charge-off with a {$0.00} balance, yet still negatively impacts my report. Reporting a zero-balance charge-off is misleading if the account has been resolved. \nLaw Violated : FCRA 605 ( b ) Unfair retention of negative resolved accounts. FCRA 607 ( b ) Failure to assure maximum accuracy. \nNarrative : This account was closed and resolved over XXXX years ago, but the continued derogatory status of \" charge off '' is misleading and unfairly penalizing my credit profile. XXXX refusal to update or remove the status misrepresents my current financial obligations. \nXXXX XXXX Acct : XXXX XXXX XXXX   Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : This account is reporting a late payment despite being paid off and closed. I have submitted proof that the account was never late.\n\nLaw Violated : FCRA 611 Failure to investigate disputed information. FCRA 623 ( b ) Furnishers duty to correct and update information.\n\nNarrative : I never missed a payment on this account. The \" late payment '' being reported is completely inaccurate. I requested correction and submitted documentation, but Equifax failed to correct the error or provide proof of delinquency. This false late mark has lowered my score unjustly and impacted financial opportunities. \nConclusion & Demand for Relief : These reporting errors show a consistent pattern of Equifaxs failure to comply with the Fair Credit Reporting Act, particularly its duty to ensure maximum accuracy, timely correction of disputed data, and thorough reinvestigation of challenged items. I am requesting that the CFPB compel Equifax to : Remove or correct all inaccurate, unverifiable, and outdated information Provide documentation verifying each disputed account Ensure compliance with FCRA for all future disputes and investigations Provide a written confirmation of resolution and updated report These reporting errors are causing me significant harm, and I respectfully ask for swift enforcement action to ensure my rights are protected under federal law.","date_sent_to_company":"2025-07-01T09:47:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"14409045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T09:39:49.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Narrative</em> : This account was closed and resolved over <em>XXXX</em> years ago, but the continued derogatory status of \" charge off '' is misleading and unfairly penalizing my credit profile. <em>XXXX</em> refusal to update or remove the status misrepresents my current financial obligations. \n<em>XXXX</em> <em>XXXX</em> Acct : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>   Date Opened : XX/XX/<em>XXXX</em> Balance : {$0.00} Late Payment <em>XXXX</em> <em>XXXX</em> Issue : This account is reporting a late payment despite being paid off and closed."]},"sort":[12.755287,"14409045"]},{"_index":"complaint-public-v1","_id":"17398573","_score":12.740657,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB COMPLAINT NARRATIVE NATIONAL RECOVERY AGENCY ( MEDICAL ACCOUNTS ) I am filing this complaint regarding two separate medical collection accounts reported by National Recovery Agency ( NRA ). These accounts have been disputed for over six months, and NRA has failed to provide any validation as required by federal law. Despite multiple disputes, they continue to report inaccurate and incomplete information to the credit bureaus.\n\nBoth accounts are medical debts, and NRA has not provided any HIPAA authorization, itemized medical billing, proof of assignment, or verification that they have the legal right to report protected health information ( XXXX ) to any third party. This is a violation of HIPAA, the FDCPA, and the FCRA.\n\nViolations : 1. HIPAA Privacy Rule ( 45 CFR 160 & 164 ) NRA has disclosed my protected medical information to the credit bureaus without my authorization. They have never produced a HIPAA-compliant medical release form, nor have they validated the debt. Medical debt can not be disclosed to third parties without proper authorization.\n\n2. FDCPA 809 ( b ) Failure to Validate I requested validation multiple times by mail.\n\nNRA has not provided : an itemized medical bill proof of assignment from the original creditor proof they are legally collecting proof of HIPAA authorization They continue reporting despite failing to validate. This is a continued-collection violation.\n\n3. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Inaccurate Information The accounts show inconsistent dates, missing payment history, and conflicting statuses. One shows Refinanced, one shows Open, one shows Charge Off, yet they all list different last activity dates.\n\n4. FCRA 623 ( a ) ( 3 ) Failure to Mark Accounts as Disputed Some bureaus show the dispute, others do not. \nThey are required to update ALL bureaus. \n\n5. CFPB Medical Debt Reporting Guidance ( 2022 ) Medical debt may not be reported unless accurately validated, including PHI compliance. NRA has not validated anything.","date_sent_to_company":"2025-11-20T18:57:44.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"776XX","tags":null,"has_narrative":true,"complaint_id":"17398573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NRA Group, LLC","date_received":"2025-11-20T18:52:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["CFPB <em>COMPLAINT</em> <em>NARRATIVE</em> NATIONAL RECOVERY AGENCY ( MEDICAL ACCOUNTS ) I am filing this <em>complaint</em> regarding two separate medical collection accounts reported by National Recovery Agency ( NRA ). These accounts have been disputed for over six months, and NRA has failed to provide any validation as required by <em>federal</em> law. Despite multiple disputes, they continue to report inaccurate and incomplete information to the credit bureaus."]},"sort":[12.740657,"17398573"]},{"_index":"complaint-public-v1","_id":"13700405","_score":12.599408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative for CFPB Filing Approximately 2426 days ago, I submitted a formal written request to Early Warning Services ( EWS ) via mail for my full consumer file disclosure under the Fair Credit Reporting Act ( FCRA ). To date, I have received no response. This lack of compliance is unacceptable and potentially unlawful. \n\nToday, I followed up with a formal legal notice and demand, accompanied by full identifying documentation. Based on the systemic banking disruptions Ive facedfrom abrupt account closures, withheld funds, and de-platforming by multiple institutions including XXXX, XXXX XXXX XXXX XXXX XXXXXXXX now appears highly likely that Early Warning Services is the source of damaging and defamatory information that is being shared across the financial system without my knowledge or recourse. \n\nIf confirmed, this would constitute a serious violation of federal law, and I am requesting that the Consumer Financial Protection Bureau escalate this matter to its enforcement division for investigation. \n\nI believe there has been an unlawful or malicious actwhether by an individual, internal employee, or financial institutionresulting in a false report or risk flag propagated through EWS or its affiliates. I intend to pursue civil and potentially criminal liability against the party responsible once identified.\n\nAs an individual with XXXX XXXXXXXX, protected under the Americans with Disabilities Act ( ADA ), I have faced extraordinary hardship from these banking actions, which have impacted both my personal financial stability and my ability to operate a lawful small business. The emotional distress and disruption to my livelihood have been overwhelming, and I believe this situation deserves immediate federal scrutinynot just because of whats happened to me, but because of how vulnerable Americans may be systematically harmed by unregulated and opaque reporting systems.\n\nI request : That the CFPB compel Early Warning Services to produce my full consumer file That any violations of FCRA, ADA, or other federal protections be reviewed for enforcement action That the CFPB monitor and prevent further unlawful dissemination of data that may be causing repeated financial discrimination and institutional retaliation","date_sent_to_company":"2025-06-11T16:57:39.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"13700405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-05-25T01:30:28.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As an individual with <em>XXXX</em> XXXXXXXX, <em>protected</em> under the Americans with Disabilities Act ( ADA ), I have faced extraordinary hardship from these banking actions, which have impacted both my personal financial stability and my ability to operate a lawful small business."]},"sort":[12.599408,"13700405"]},{"_index":"complaint-public-v1","_id":"16014144","_score":12.494407,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because XXXX XXXXXXXX XXXX response to my original CFPB complaint is incomplete, misleading, and fails to comply with federal law. \n\nI specifically requested the following documents to properly validate the alleged debt and protect my legal rights : 1. Form 1099-C Proof of whether Bank of America canceled or discharged this debt.\n\n2. Proof of Ownership / Chain of Title Documentation showing who legally owns the debt and has standing to collect or sue.\n\n3. Itemized Accounting Detailed breakdown of the balance, including principal, interest, fees, and attorney costs.\n\n4. Court Filing/ Dismissal Confirmation Written assurance of what will be filed with the court and confirmation the case will be dismissed with prejudice upon resolution. \nHow XXXX XXXX  Response Falls Short In their XX/XX/year> response, XXXX XXXX did not provide any of the requested documentation. Instead, they gave : A generic narrative of account dates and balances. \nA settlement offer letter with a single lump-sum amount but no itemized accounting. \nA statement claiming Bank of America is the original creditor, without any supporting proof of ownership or assignment. \nNo confirmation of court dismissal or what actions would be taken in the pending lawsuit.\n\nViolations of Federal Law 1. FDCPA Violation 15 U.S.C. 1692g ( b ) The FDCPA requires that all collection activity stop until a debt collector provides full validation of the debt. \nXXXX XXXX continues to demand payment and pursue a lawsuit without supplying the required validation.\n\n2. FCRA Violation 15 U.S.C. 1681s-2 Without proper validation, any reporting to credit bureaus is potentially inaccurate or misleading. \nThis creates serious harm to my credit and financial reputation.\n\n3. Court Risk Without Proof of Standing Filing a lawsuit without producing proof of legal standing exposes me to a judgment based on incomplete and unverified information. \n\n\n\nHarm and Impact Because XXXX XXXX refuses to provide proper validation : I can not confirm whether this debt is valid or collectible. \nI am forced to defend myself in court without critical evidence.\n\nMy credit report may be negatively affected by unverified and inaccurate reporting. \nI remain under financial and legal pressure from a debt collector that has not met its legal obligations.","date_sent_to_company":"2025-09-19T00:08:16.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"38017","tags":null,"has_narrative":true,"complaint_id":"16014144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-09-19T00:07:52.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> because <em>XXXX</em> XXXXXXXX <em>XXXX</em> response to my original CFPB <em>complaint</em> is incomplete, misleading, and fails to comply with <em>federal</em> law. \n\nI specifically requested the following documents to properly validate the alleged debt and <em>protect</em> my legal rights : 1. Form 1099-C Proof of whether Bank of America canceled or discharged this debt.\n\n2. Proof of Ownership / Chain of Title Documentation showing who legally owns the debt and has standing to collect or sue.\n\n3."]},"sort":[12.494407,"16014144"]},{"_index":"complaint-public-v1","_id":"13940621","_score":12.42869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Security Credit Services Inaccurate and Misleading Credit Reporting ( Account # XXXX ) To Whom It May Concern, I am filing a formal complaint against Security Credit Services for potentially violating the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information, 15 U.S.C. 1681s-2 ( b ) ( 1 ) Duty to investigate disputed information, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) Exclusion of certain accounts from being reported on consumer reports.\n\nNature of the Complaint : Security Credit Services is reporting account number XXXX, which was originally opened under a different creditor and subsequently charged off. After the original creditor sold the account, Security Credit Services began reporting the debt. Despite its charge-off status, the account is still being actively updated in XXXX, which is misleading and inaccurate.\n\nIt appears that false account history is being reported to manipulate the statute of limitations, effectively re-aging the account to keep it on my credit report longer than permitted under federal law. This deceptive practice creates a false narrative of recent activity that misrepresents the true age and status of the debt, causing undue harm to my credit profile and financial standing. \n\nThis tactic of updating an already charged-off and sold account gives the impression of continued delinquency when no legitimate collection activity has occurred. This reporting is not only inaccurate but potentially unlawful.\n\nRequested Action : Immediate removal of the re-aged and inaccurately reported account ( # XXXX ) from all credit reporting agencies.\n\nA formal investigation into Security Credit Services ' reporting practices and adherence to FCRA requirements.\n\nWritten confirmation that Security Credit Services will ensure all future reporting is compliant with federal law and will cease attempts to artificially extend the life of derogatory items on consumer credit reports.\n\nBackground : I have made prior efforts to resolve this matter directly with Security Credit Services but have not received a meaningful or satisfactory response. As a result, I am now turning to the CFPB to request your oversight and support in ensuring my rights under the FCRA are protected.\n\nThis ongoing misreporting is materially damaging my creditworthiness, and I respectfully request swift and thorough action from your office.","date_sent_to_company":"2025-06-06T19:05:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76542","tags":"Servicemember","has_narrative":true,"complaint_id":"13940621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-06-06T18:43:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Nature of the <em>Complaint</em> : Security Credit Services is reporting account number <em>XXXX</em>, which was originally opened under a different creditor and subsequently charged off. After the original creditor sold the account, Security Credit Services began reporting the debt. Despite its charge-off status, the account is still being actively updated in <em>XXXX</em>, which is misleading and inaccurate."]},"sort":[12.42869,"13940621"]},{"_index":"complaint-public-v1","_id":"22289754","_score":12.15198,"_source":{"product":"Checking or savings account","complaint_what_happened":"COMPLAINT NARRATIVE AGAINST BANK OF AMERICA , N.A . \nSUBJECT : Statutory Non-Compliance, Illegal Internal Offset of Exempt Federal Benefits ( XXXX U.S.C. XXXX ), Violation of the Treasury \" Protected Amount '' Rule ( XXXX CFR Part XXXX  ), and Regulation E / EFTA Violations. \n\nSTATEMENT OF FACTS : I am filing this formal regulatory complaint against Bank of America , N.A . for engaging in an illegal internal offset and conversion of my federally protected XXXX XXXX XXXX XXXX  ( XXXX ) benefits. The bank has frozen and seized my incoming XXXX  check totaling {$1500.00} to satisfy an unsecured internal bank debt stemming from an ongoing, improperly investigated fraud dispute. \n\nThe origin of this dispute involves Claims # XXXX and # XXXX. In XXXX, unauthorized electronic fund transfers occurred on my account. Provisional credits were temporarily granted and subsequently revoked by the bank, creating a steep negative balance. Bank of America closed these fraud claims under the boilerplate assertion that the transactions were executed by \" someone I know, '' entirely refusing to address the core security compliance issue : the transactions were achieved by a minor who bypassed active XXXX XXXX XXXX parental security locks. \n\nFollowing the denial of these claims, Bank of America immediately intercepted my direct-deposited XXXX funds when they posted to the account, absorbing the entire deposit to cover the bank-created negative balance. \n\nFEDERAL LAW & STATUTORY VIOLATIONS : XXXX. Illegal Offset of Social Security Benefits ( XXXX XXXX. XXXX ) XXXX XXXX XXXX of the Social Security XXXX ( XXXX XXXX. XXXX ), Social Security benefits are strictly exempt from execution, levy, attachment, garnishment, or \" other legal process. '' The U.S. Supreme Court ( Philpott v. Essex County Welfare Board ) and federal banking regulators have established that a financial institution 's contractual \" Right of Setoff '' is an execution of legal process and can not be used to seize exempt XXXX funds to pay off an internal bank debt or overdraft balance. When Bank of America used my direct-deposited XXXX check to satisfy its own debt recovery, it committed an illegal administrative offset. \n\n2. Direct Violation of the Mandatory \" Protected Amount '' Rule ( XXXX CFR Part XXXX XXXX Bank of America is in willful non-compliance with the Department of the Treasury regulation XXXX XXXX Part XXXX. Under XXXX CFR XXXX and XXXX, when an account experiences an enforcement action or an internal debt-collection review, the bank is legally mandated to execute a XXXX look-back assessment. Any covered federal benefit paymentssuch as my directly deposited XXXX within that XXXX window must immediately be classified as a \" Protected Amount. '' The bank is required to provide me with \" full and customary access '' to these protected funds within 2 business days of the account review. Bank of America has continuously denied me access to this protected amount, failing its clear statutory mandate. \n\n3. Regulation XXXX and Electronic Fund Transfer Act ( XXXX ) Violations ( XXXX XXXX XXXX ( m ) / XXXX XXXX. XXXX ) Under XXXX CFR XXXX ( m ), an electronic fund transfer is defined as unauthorized if it is initiated by a person without actual authority to initiate the transfer and from which the consumer receives no benefit. The bank 's position that liability is waived because the user is \" someone I know '' directly violates the Electronic Fund Transfer Act ( XXXX XXXX. XXXX ). Because active, explicit digital security controls ( XXXX XXXX XXXX ) were physically bypassed to execute these transfers, the actor possessed XXXX actual, implied, or apparent authority. The breach of a digital security gate constitutes a systemic security failure that the bank is liable for under Regulation XXXX guidelines. \n\n4. Unfair, Deceptive, or Abusive Acts or Practices / UDAAP ( XXXX XXXX. XXXX ) By ignoring documented evidence of a digital security breach, arbitrarily closing active fraud claims, and aggressively seizing a XXXX consumers primary federal survival income via an illegal internal offset, Bank of America has engaged in \" Abusive '' and \" Unfair '' practices as defined by the XXXX XXXX XXXX Reform and Consumer Protection Act ( XXXX U.S.C. XXXX ). Taking advantage of a consumer 's lack of access to their legally protected XXXX income to force the resolution of a disputed debt meets the exact statutory threshold for an abusive practice. \n\nDEMAND FOR IMMEDIATE REMEDIAL ACTION : Regardless of Bank of Americas internal conclusions regarding the Regulation XXXX claims, the negative balance on my account is an unsecured, private civil debt. The bank has zero legal authority to use my protected XXXX benefits as a self-help collection tool. \n\nI demand that federal compliance investigators compel Bank of America , N.A . to immediately perform a manual override, cease its illegal administrative offset, and return the full {$1500.00} in exempt XXXX funds to my direct custody.","date_sent_to_company":"2026-05-17T15:43:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98682","tags":null,"has_narrative":true,"complaint_id":"22289754","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-05-17T15:21:01.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>COMPLAINT</em> <em>NARRATIVE</em> AGAINST BANK OF AMERICA , N.A . \nSUBJECT : Statutory Non-Compliance, Illegal Internal Offset of Exempt <em>Federal</em> Benefits ( <em>XXXX</em> U.S.C. <em>XXXX</em> ), Violation of the Treasury \" <em>Protected</em> Amount '' Rule ( <em>XXXX</em> CFR Part <em>XXXX</em>  ), and Regulation E / EFTA Violations. \n\nSTATEMENT OF FACTS : I am filing this formal regulatory <em>complaint</em> against Bank of America , N.A . for engaging in an illegal internal offset and conversion of my <em>federally</em> <em>protected</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ( <em>XXXX</em> ) benefits."]},"sort":[12.15198,"22289754"]},{"_index":"complaint-public-v1","_id":"16014201","_score":12.090834,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because Javitch Block LLCs response to my original CFPB complaint is incomplete, misleading, and fails to comply with federal law. \n\nI specifically requested the following documents to properly validate the alleged debt and protect my legal rights : 1. Form 1099-C Proof of whether XXXX XXXX XXXXXXXX canceled or discharged this debt. \n2. Proof of Ownership / Chain of Title Documentation showing who legally owns the debt and has standing to collect or sue.\n\n3. Itemized Accounting Detailed breakdown of the balance, including principal, interest, fees, and attorney costs. \n4. Court Filing/ Dismissal Confirmation Written assurance of what will be filed with the court and confirmation the case will be dismissed with prejudice upon resolution. \nHow Javitch Blocks Response Falls Short In their XX/XX/year> response, Javitch Block did not provide any of the requested documentation. Instead, they gave : A generic narrative of account dates and balances. \nA settlement offer letter with a single lump-sum amount but no itemized accounting. \nA statement claiming XXXX  XXXX XXXX is the original creditor, without any supporting proof of ownership or assignment. \nNo confirmation of court dismissal or what actions would be taken in the pending lawsuit. \n\n\n\nViolations of Federal Law 1. FDCPA Violation 15 U.S.C. 1692g ( b ) The FDCPA requires that all collection activity stop until a debt collector provides full validation of the debt.\n\nJavitch Block continues to demand payment and pursue a lawsuit without supplying the required validation.\n\n2. FCRA Violation 15 U.S.C. 1681s-2 Without proper validation, any reporting to credit bureaus is potentially inaccurate or misleading.\n\nThis creates serious harm to my credit and financial reputation.\n\n3. Court Risk Without Proof of Standing Filing a lawsuit without producing proof of legal standing exposes me to a judgment based on incomplete and unverified information.\n\nHarm and Impact Because Javitch Block refuses to provide proper validation : I can not confirm whether this debt is valid or collectible. \nI am forced to defend myself in court without critical evidence. \nMy credit report may be negatively affected by unverified and inaccurate reporting. \nI remain under financial and legal pressure from a debt collector that has not met its legal obligations.","date_sent_to_company":"2025-09-19T00:08:16.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"38017","tags":null,"has_narrative":true,"complaint_id":"16014201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Javitch, Block & Rathbone LLC","date_received":"2025-09-19T00:03:23.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> because Javitch Block LLCs response to my original CFPB <em>complaint</em> is incomplete, misleading, and fails to comply with <em>federal</em> law. \n\nI specifically requested the following documents to properly validate the alleged debt and <em>protect</em> my legal rights : 1. Form 1099-C Proof of whether <em>XXXX</em> <em>XXXX</em> XXXXXXXX canceled or discharged this debt. \n2. Proof of Ownership / Chain of Title Documentation showing who legally owns the debt and has standing to collect or sue.\n\n3."]},"sort":[12.090834,"16014201"]},{"_index":"complaint-public-v1","_id":"13248153","_score":12.004619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report ] by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nThe accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XXXX>. \n\n\nInquires -- XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax","date_sent_to_company":"2025-04-30T00:46:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"359XX","tags":"Older American","has_narrative":true,"complaint_id":"13248153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-30T00:15:51.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Consumer <em>complaint</em> <em>narrative</em> Following the Fair Credit Reporting Act, the list of accounts below has violated my <em>federally</em> <em>protected</em> consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A."]},"sort":[12.004619,"13248153"]},{"_index":"complaint-public-v1","_id":"13243345","_score":12.004619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report ] by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nThe accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XXXX>. \n\n\nInquires -- XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax","date_sent_to_company":"2025-04-30T00:46:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"359XX","tags":"Older American","has_narrative":true,"complaint_id":"13243345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-30T00:46:02.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Consumer <em>complaint</em> <em>narrative</em> Following the Fair Credit Reporting Act, the list of accounts below has violated my <em>federally</em> <em>protected</em> consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A."]},"sort":[12.004619,"13243345"]},{"_index":"complaint-public-v1","_id":"13246207","_score":11.963566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report ] by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nThe accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XXXX>. \n\n\nInquires -- XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax","date_sent_to_company":"2025-04-30T00:46:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"359XX","tags":"Older American","has_narrative":true,"complaint_id":"13246207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-30T00:46:02.000Z","state":"AL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Consumer <em>complaint</em> <em>narrative</em> Following the Fair Credit Reporting Act, the list of accounts below has violated my <em>federally</em> <em>protected</em> consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A."]},"sort":[11.963566,"13246207"]},{"_index":"complaint-public-v1","_id":"17115425","_score":11.961618,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Copy/Paste Narrative Issue : Bank account was compromised ; unauthorized internal transfers and descriptor suppression ; protected-benefit routing interference ; refusal to investigate ; overdraft fees charged after depletion ; forced hardship loans to pay rent. \n\nInstitution : Navy Federal Credit Union ( NFCU ) Account : EveryDay Checking XXXX ( XXXX XXXX XXXX account ) Timeline ( high level ) : XX/XX/XXXX XXXX XXXX : I repeatedly reported my account compromised and requested an audit. NFCU declined or said nothing was wrong while funds continued to drain. \nXXXX XXXX : XXXX headers show sharp decline despite significant deposits ( XXXX ending {$27000.00}, XXXX ending {$7600.00} ). \nXX/XX/XXXX onward : Transfer descriptors began omitting source XXXX ( to shares/ from shares ), preventing traceability. \nXX/XX/XXXX : Bank represented an aggregate balance inconsistent with actual deposits ( e.g., {$13000.00} across accounts despite {$4900.00} monthly income and a {$13000.00} refund posted in early XXXX ). \nSept 3, 2025 : ETF confirms Navy Federal electronically updated my deposit account number ; I was not the one who provided that change to ETF.\n\nOverdraft fees were assessed after depletion caused by unauthorized activity/failed security.\n\nRequested resolution : 1. Restitution {$79000.00} ; 2 ) Full overdraft fee refunds ; 3 ) Reimburse {$2800.00} loan principal + finance charges ; 4 ) Provide full audit logs and routing-change records ; 5 ) Correct any credit reporting. \n\nAttachments : ETF emails ( routing change acknowledged XXXX ; change on XX/XX/XXXX ) XXXX headers XXXX XXXX ( balances & totals ) Screens of descriptor suppression and transfer pattern XXXX  rent-funding screenshots ( payments, arrears ) XXXX","date_sent_to_company":"2025-11-08T15:29:47.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"76108","tags":"Servicemember","has_narrative":true,"complaint_id":"17115425","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-08T15:10:31.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Copy/Paste <em>Narrative</em> Issue : Bank account was compromised ; unauthorized internal transfers and descriptor suppression ; <em>protected</em>-benefit routing interference ; refusal to investigate ; overdraft fees charged after depletion ; forced hardship loans to pay rent."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[11.961618,"17115425"]},{"_index":"complaint-public-v1","_id":"14693662","_score":11.894303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Narrative for CFPB Complaint # XXXX On XX/XX/XXXX, I submitted a formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) under reference number # XXXX. My complaint addresses significant concerns regarding potential violations of federal and state laws by XXXX XXXX XXXX XXXXXXXX XXXX XXXX Innovis, and other third parties involved in the handling of my personal information. \n\nKey Issues Raised Cease and Desist : I have demanded that all unauthorized communications, data sharing, and reporting of my personal information cease immediately. These actions violate my rights under 15 U.S.C. 1692c and the Gramm-Leach-Bliley Act ( GLBA ), which protect my privacy and regulate permissible communication practices.\n\nSecurity Freeze : I requested an immediate security freeze on my consumer file across all involved entities, including CXXXX XXXX XXXX XXXX and Innovis. This freeze is necessary to prevent unauthorized access or sharing of my personal data without explicit written consent. \n\nOpt-Out : I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and GLBA to opt out of the sale, sharing, or release of my personal information for firm offers of credit or insurance. I requested written confirmation that my opt-out status has been honored. \n\nFull Disclosure : I requested complete records of all communications, notes, transcripts, requests, inquiries, and actions involving my personal information from XX/XX/XXXX, through XX/XX/XXXX. This includes documentation showing the permissible purpose for every instance my information was accessed, shared, or reported. \n\nCorrection of Inaccurate Information : I demanded that any inaccurate, incomplete, or unverifiable information reported by XXXX XXXX XXXXnd other entities be investigated and removed. This request aligns with FCRA 1681i ( a ) and Texas Finance Code 392.304.\n\nTransparency and Accountability : I requested detailed records of how my information was handled and shared, including the identity of all third parties who accessed or received my data. I also asked for confirmation of compliance with Metro 2 and XXXX  standards for data reporting and dispute resolution. \n\nCompensation for Damages : I sought compensation for damages caused by willful and negligent noncompliance with federal and state laws, including : Statutory damages under FCRA 1681n and 1681o.\n\nActual damages related to harm caused by inaccurate reporting or unauthorized data sharing.\n\nPunitive damages for willful violations of FCRA, FDCPA, and Texas Finance Code.\n\nRegulatory Oversight : I requested that the CFPB investigate these violations and ensure corrective actions are taken. Additionally, I asked for independent audits of compliance procedures to prevent future violations. \n\nChronological Timeline of Events XX/XX/XXXX : A XXXX inquiry was requested by XXXX XXXX XXXXXXXX XXXX No evictions, cash advances, or miscellaneous financial inquiries were noted during this activity. \n\nXX/XX/XXXXXXXX XXXX XXXX XXXX Privacy Policy was updated, revealing the collection of extensive personal information, including name, SSN, financial data, IP address, browsing history, and public records. Consumers were informed of their opt-out rights under the policy. \n\nXX/XX/XXXXXXXX XXXX XXXX XXXX  was requested by XXXX  showing no accounts, closures, or checks reported. XXXX XXXX inquiry was noted in the last XXXX years. \n\nApplicable Legal Precedents XXXX XXXX XXXX XXXX XXXX ( XXXX ) : CRAs must take reasonable steps to verify disputed information, especially when alerted to inaccuracies. \n\nXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : CRAs must conduct thorough investigations and ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ).\n\nViolations Identified The complaint outlines several violations of federal and state laws, including : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.\n\n15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681n and 1681o : Liability for willful and negligent noncompliance.\n\nFair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Reporting false and misleading information.\n\n15 U.S.C. 1692f : Allowing the continued reporting of inaccurate debts.\n\nTexas Finance Code, Chapter 392 : Texas Finance Code 392.304 : Reporting false or misleading information about a consumer debt.\n\nTexas Finance Code 392.301 : Engaging in deceptive and harmful practices.\n\nGramm-Leach-Bliley Act ( GLBA ) : 15 U.S.C. 6802 : Failure to provide clear privacy notices or allow opt-out of data sharing.\n\nFTC Regulations : FTC Safeguards Rule : Failure to protect my personal information from unauthorized access or disclosure. \nDesired Outcome The resolution I am seeking includes : Written Apology : Acknowledge the violations and confirm corrective actions.\n\nCompliance Assurance : Clear steps to ensure compliance with FCRA, FDCPA, FTC regulations, and Texas Consumer Protection Laws moving forward.\n\nSafeguarding Personal Information : Assurance that my personal information will be protected against unauthorized access or misuse.\n\nCompensation : Provide statutory, punitive, and actual damages for harm caused by noncompliance.\n\nRegulatory Oversight : Submit a report to the CFPB and FTC confirming steps taken to resolve violations and prevent recurrence. \n\nNext Steps I will monitor the status of my complaint through the CFPB portal and respond promptly to any communications from the companies involved. If necessary, I will escalate the issue or provide additional documentation to ensure a fair resolution. \n\nDocumentation I have attached the following supporting documents to my CFPB complaint : XXXX XXXX XXXX XXXXXXXX Privacy Policy DISCLOSURE Report XXXX  Report Legal Precedents and Case Law Texas Finance Code, Chapter 392 12 CFR Part 1006 ( FDCPA Rules ) This narrative summarizes my complaint and clearly outlines the violations, requested actions, and desired resolution. I trust the CFPB will investigate these issues thoroughly and ensure accountability from the companies involved.","date_sent_to_company":"2025-07-16T08:06:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"14693662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-07-16T08:05:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Narrative</em> for CFPB <em>Complaint</em> # <em>XXXX</em> On XX/XX/<em>XXXX</em>, I submitted a formal <em>complaint</em> to the Consumer Financial Protection Bureau <em>XXXX</em> CFPB ) under reference number # <em>XXXX</em>. My <em>complaint</em> addresses significant concerns regarding potential violations of <em>federal</em> and state laws by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> Innovis, and other third parties involved in the handling of my personal information."]},"sort":[11.894303,"14693662"]},{"_index":"complaint-public-v1","_id":"9398432","_score":11.883951,"_source":{"product":"Debt collection","complaint_what_happened":"NARRATIVE I am filing this report to formally document the theft of my identity and the subsequent fraudulent activities that have severely impacted my financial standing and reputation. Over the past several years, I have become aware of unauthorized and false information being reported on my credit report by various credit bureaus. I have not given consent for these activities, and they have caused significant harm to my credit rating and personal reputation.\n\nThe following unauthorized actions have been observed : 1. **Unauthorized Credit Inquiries : ** Numerous credit inquiries have been made without my knowledge or consent. \n2. **Fraudulent Accounts : ** New accounts have been opened in my name that I did not authorize.\n\n3. **Incorrect Personal Information : ** My personal information, including my address and employment details, have been altered inaccurately.\n\n4. **Unapproved Transactions : ** There have been multiple transactions and charges on my existing accounts that I did not make.\n\n5. **Unauthorized Reporting : ** There are numerous accounts being reported by credit bureaus without my consent.\n\nThese fraudulent activities have resulted in : - A significant drop in my credit score.\n\n- Denial of credit applications and loans.\n\n- Damage to my personal and professional reputation. - Emotional distress and financial hardship.\n\nUpon discovering these discrepancies, I have taken the following steps : 1. Contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. \n3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a complaint with the Federal Trade Commission ( FTC ).\n\n5. Filed a complaint with the Consumer Financial Protect Bureau ( CFPB ) I am requesting a thorough investigation into this matter to identify the individual ( s ) /credit bureaus responsible for these fraudulent activities and to take appropriate legal action. I also seek assistance in rectifying my credit report and restoring my financial standing. \nI am willing to prosecute.","date_sent_to_company":"2024-07-01T21:13:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85040","tags":null,"has_narrative":true,"complaint_id":"9398432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-01T21:03:42.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Contacted the credit bureaus ( Experian, <em>XXXX</em>, and <em>XXXX</em> ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. \n3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a <em>complaint</em> with the <em>Federal</em> Trade Commission ( FTC ).\n\n5."]},"sort":[11.883951,"9398432"]},{"_index":"complaint-public-v1","_id":"14692740","_score":11.86726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Narrative for CFPB Complaint # XXXX On XX/XX/XXXX, I submitted a formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) under reference number # XXXX. My complaint addresses significant concerns regarding potential violations of federal and state laws by XXXX  XXXX XXXX, Experian, XXXX, XXXX, XXXX, and other third parties involved in the handling of my personal information. \n\nKey Issues Raised Cease and Desist : I have demanded that all unauthorized communications, data sharing, and reporting of my personal information cease immediately. These actions violate my rights under 15 U.S.C. 1692c and the Gramm-Leach-Bliley Act ( GLBA ), which protect my privacy and regulate permissible communication practices. \n\nSecurity Freeze : I requested an immediate security freeze on my consumer file across all involved entities, including XXXX, Experian, XXXX, XXXX, and XXXX. This freeze is necessary to prevent unauthorized access or sharing of my personal data without explicit written consent. \n\nOpt-Out : I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and GLBA to opt out of the sale, sharing, or release of my personal information for firm offers of credit or insurance. I requested written confirmation that my opt-out status has been honored. \n\nFull Disclosure : I requested complete records of all communications, notes, transcripts, requests, inquiries, and actions involving my personal information from XX/XX/XXXX, through XX/XX/XXXX. This includes documentation showing the permissible purpose for every instance my information was accessed, shared, or reported. \n\nCorrection of Inaccurate Information : I demanded that any inaccurate, incomplete, or unverifiable information reported by Experian, Equifax, and other entities be investigated and removed. This request aligns with FCRA 1681i ( a ) and Texas Finance Code 392.304. \n\nTransparency and Accountability : I requested detailed records of how my information was handled and shared, including the identity of all third parties who accessed or received my data. I also asked for confirmation of compliance with Metro 2 and e-OSCAR standards for data reporting and dispute resolution. \n\nCompensation for Damages : I sought compensation for damages caused by willful and negligent noncompliance with federal and state laws, including : Statutory damages under FCRA 1681n and 1681o.\n\nActual damages related to harm caused by inaccurate reporting or unauthorized data sharing. \nPunitive damages for willful violations of FCRA, FDCPA, and Texas Finance Code.\n\nRegulatory Oversight : I requested that the CFPB investigate these violations and ensure corrective actions are taken. Additionally, I asked for independent audits of compliance procedures to prevent future violations. \n\nChronological Timeline of Events XX/XX/XXXX : A XXXX inquiry was requested by XXXX XXXX XXXX XXXX. No evictions, cash advances, or miscellaneous financial inquiries were noted during this activity. \n\nXX/XX/XXXX : XXXX Privacy Policy was updated, revealing the collection of extensive personal information, including name, SSN, financial data, IP address, browsing history, and public records. Consumers were informed of their opt-out rights under the policy. \n\nXX/XX/XXXX : XXXX  XXXX was requested by XXXX, showing no accounts, closures, or checks reported. One DDA inquiry was noted in the last XXXX years. \n\nApplicable Legal Precedents Cushman v. Trans Union Corporation ( 1997 ) : CRAs must take reasonable steps to verify disputed information, especially when alerted to inaccuracies. \n\nNorman v. Trans Union , LLC ( 2018 ) : CRAs must conduct thorough investigations and ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ). \n\nViolations Identified The complaint outlines several violations of federal and state laws, including : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.\n\n15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681n and 1681o : Liability for willful and negligent noncompliance.\n\nFair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Reporting false and misleading information.\n\n15 U.S.C. 1692f : Allowing the continued reporting of inaccurate debts.\n\nTexas Finance Code, Chapter 392 : Texas Finance Code 392.304 : Reporting false or misleading information about a consumer debt.\n\nTexas Finance Code 392.301 : Engaging in deceptive and harmful practices.\n\nGramm-Leach-Bliley Act ( GLBA ) : 15 U.S.C. 6802 : Failure to provide clear privacy notices or allow opt-out of data sharing.\n\nFTC Regulations : FTC Safeguards Rule : Failure to protect my personal information from unauthorized access or disclosure. \nDesired Outcome The resolution I am seeking includes : Written Apology : Acknowledge the violations and confirm corrective actions. \n\nCompliance Assurance : Clear steps to ensure compliance with FCRA, FDCPA, FTC regulations, and Texas Consumer Protection Laws moving forward. \n\nSafeguarding Personal Information : Assurance that my personal information will be protected against unauthorized access or misuse. \n\nCompensation : Provide statutory, punitive, and actual damages for harm caused by noncompliance. \n\nRegulatory Oversight : Submit a report to the CFPB and FTC confirming steps taken to resolve violations and prevent recurrence. \n\nNext Steps I will monitor the status of my complaint through the CFPB portal and respond promptly to any communications from the companies involved. If necessary, I will escalate the issue or provide additional documentation to ensure a fair resolution. \n\nDocumentation I have attached the following supporting documents to my CFPB complaint : XXXX XXXX  XXXX XXXX Privacy Policy DISCLOSURE Report XXXX  Report Legal Precedents and Case Law Texas Finance Code, Chapter 392 12 CFR Part 1006 ( FDCPA Rules ) This narrative summarizes my complaint and clearly outlines the violations, requested actions, and desired resolution. I trust the CFPB will investigate these issues thoroughly and ensure accountability from the companies involved.","date_sent_to_company":"2025-07-16T08:06:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"14692740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T07:59:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Narrative</em> for CFPB <em>Complaint</em> # <em>XXXX</em> On XX/XX/<em>XXXX</em>, I submitted a formal <em>complaint</em> to the Consumer Financial Protection Bureau <em>XXXX</em> CFPB ) under reference number # <em>XXXX</em>. My <em>complaint</em> addresses significant concerns regarding potential violations of <em>federal</em> and state laws by <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em>, Experian, <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, and other third parties involved in the handling of my personal information."]},"sort":[11.86726,"14692740"]},{"_index":"complaint-public-v1","_id":"18993008","_score":11.829411,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint Narrative : I am a 100 % total and permanent XXXX military veteran and co-signer on Loan # XXXX. I am filing this complaint because Navy Federal Credit Union ( NFCU ) failed to secure collateral after the primary borrower voluntarily surrendered the asset in XXXX XXXX. \n\nThis was a high-value asset loan, originated in XX/XX/XXXX for approximately {$130000.00}, secured by a XXXX XXXX XXXX XXXX XXXX ( approximately XXXX lbs ). The primary borrower provided NFCU with the vessels exact location and confirmed the marina had proper yard assist equipment capable of moving the boat. Despite this, NFCU dispatched a standard automotive trailer that was physically incapable of transporting the vessel. After this failed attempt, NFCU abandoned recovery efforts entirely.\n\nNegligence and Harm to Co-Signer : As a direct result of NFCUs failure to take possession of the collateral : The vessel has become a total loss due to nearly five years of neglect.\n\nThe marina has accrued approximately {$30000.00} in storage and lien charges, which I am now being threatened with personally.\n\nDespite NFCUs negligence, I have continued making payments solely to protect my credit. NFCU had a clear duty to mitigate damages in XXXX and failed to do so. By abandoning the asset, NFCU materially impaired the collateral securing the loan.\n\nResolution Requested : Immediate Discharge of Loan : I request the loan be\ndischarged and reported as Settled/Paid effective XX/XX/XXXX. I should not be held liable for a debt where the lender refused to take possession of the collateral when it had substantial value and was in good standing with the marina.\n\nFull Loan Audit and Records Production ( XXXX XXXXPresent ) : Between XX/XX/XXXX and XX/XX/XXXX, I made multiple calls to NFCU seeking assistance and alternatives but was repeatedly told they could not discuss the loan because I was not the primary borrower, despite being financially liable as co-signer. I also made several in-person visits to NFCU branches in XXXX, Virginia, where managers acknowledged the situation and stated notes had been added yet subsequent visits showed no record of those discussions.\n\nI formally request full production of : All audio recordings from XXXX XXXX confirming NFCUs agreement to retrieve the vessel, All dispatch orders and communications between NFCU and its third-party repossession agency, All internal servicing notes related to the collateral recovery failure.\n\nThis matter reflects gross negligence, improper servicing practices, and failure to protect a co-signers rights. I respectfully request CFPB intervention. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-01-25T19:39:48.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"234XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18993008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-25T18:37:57.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am a 100 % total and permanent <em>XXXX</em> military veteran and co-signer on Loan # <em>XXXX</em>. I am filing this <em>complaint</em> because Navy <em>Federal</em> Credit Union ( NFCU ) failed to secure collateral after the primary borrower voluntarily surrendered the asset in <em>XXXX</em> <em>XXXX</em>. \n\nThis was a high-value asset loan, originated in XX/XX/<em>XXXX</em> for approximately {$130000.00}, secured by a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( approximately <em>XXXX</em> lbs )."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[11.829411,"18993008"]},{"_index":"complaint-public-v1","_id":"6059076","_score":11.749839,"_source":{"product":"Debt collection","complaint_what_happened":"This is a follow up to the complaint made to Navient on XX/XX/2022 and answered XX/XX/2022 by Navient complaint number XXXX. In the response Navient sent three documents that show a contract with Sallie Mae. I am aware of a contract with Sallie Mae but unaware of any contract between myself and Navient. Two Formal Affidavit of TRUTH was sent to Navient via Certified Mail # XXXX ; XXXX dated XX/XX/2022, and received on XX/XX/2022. The Affidavits of Truth laid out the identity of the original creditor, demanded the proof by copies of the original lawful contract signed by both parties in wet ink, and provided validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail Respondent was given thirty ( 30 ) days from day of receiving the Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to send a contract signed by another company. This lack of contractual evidence makes the Affidavit of Truth to be held as TRUE. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. \n\n\nConditional Acceptance Formal Conditional Acceptance was sent to Navient as a result of their failure to prove the Affidavit of Truth as false. Said Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. \n\nNON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by Navient, showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. \n\nNOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of Navients failure to cure and honor, places Navient in Default. For the course of dealing, set forth herein, with Navient failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance As Navient has stated in its response back it is reporting these late payments to the credit agencies during this time. According to 15 USC 1692g a debt can not be collected on while it is being disputed, therefore all reporting by this company has been fraudulent and is a violation of the FCRA. Stating that Navient by its own account purchased a contract in order to collect on a debt not owed, this is a form of identity theft. In the origninal documents sent to Navient was a cease and desist notice. By their own account in its last response they are ignoring that notice. 15 USC 1692c and d would considered these to be abusive and harassment. \n\nBelow is the response back from Navient and attached are all documents sent by Navient in its response minus its proof to collect a debt in the State Of Georgia. \n\nThank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Federal Family Education Loan Program ( FFELP ) Consolidation Loan and your Private Consolidation Loan. We have attached copies of Promissory Notes for you to review, which serve as validation of the loans. By signing the Promissory Notes, you agreed to the terms and conditions of the loans. If the primary borrower or cosigner fail to make payments, Navient must resolve the problem either by collecting payment immediately or by arranging an alternate payment schedule. To do this, we perform a progression of activities to collect delinquent payments and we work to resolve delinquencies by using all legal means available. As a matter of explanation, our calls are intended to help customers avoid Late Fees and resolve delinquency and are not intended to harass. When a payment is not received by the due date, we attempt to resolve the delinquency by making contact through phone calls and letters, intended to remind customers of their obligation, help them avoid negative consequences of missing a payment, and inform them of the options available to help them fulfill their obligation. If we lose contact with you, well use the addresses and telephone numbers listed on the loan application to contact your references to obtain your location information. Because due diligence activities are required by federal law, you may continue to receive calls and letters. Furthermore, when there is a conflict between federal laws and state laws, we must follow the federal requirement. However, we strive to follow applicable state laws which are not expressly preempted by federal law and not otherwise in conflict with federal law. We have updated your cell phone numbers to prevent any future automated calls from being placed to you. Additionally, we have attached a copy of a letter sent to us by the Secretary of State of Georgia who states, Navient XXXX is authorized to transact business in the state of Georgia. We know financial challenges can come up unexpectedly, and we want to help you stay on track with your repayment schedule. Making payments on time is always the best way to protect your credit score, avoid Late Fees, and stop collection letters and calls. If youre having difficulty making your current payments, give us a call to learn about your options. Navient reports student loans individually to the consumer reporting agencies. This reporting is consistent with industry standards. If you have an account with multiple loans, youll see each loan reported with its own tradeline. Simply put, a tradeline is a descriptive summary of a particular loans history and status. Tradeline information can include the name of the company reporting the account, account open date, account status ( open, closed, past due, etc. ), balance owed, payment history and narratives. The Fair Credit Reporting Act requires lenders and servicers, such as Navient, who report information to the consumer reporting agencies to do so with accuracy. Therefore, we can not remove accurate information from your credit report. We will update your credit report to reflect your disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Because you disputed the account information we reported to the consumer reporting agencies, we are required to inform them of your dispute when we continue to send them updates. When we do this, the consumer reporting agencies will place the above narrative on your credit report to reflect that your account was previously disputed. Please note that the update pertains only to each open loan noted in your dispute. If you wish to have this narrative removed from your credit report, call or write us at the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX PA, XXXX. Please include your name, address, and account/loan number ( s ), and indicate that you wish to have the dispute narrative removed from your credit report. \nATTACHMENTS XXXX Attachment XXXX ( XXXX XXXX ) XXXX Attachment XXXX ( XXXXXXXX XXXX ) XXXX Attachment XXXX ( XXXX XXXX ) XXXX Attachment XXXX ( XXXXXXXX XXXX ) Georgia License","date_sent_to_company":"2022-10-06T17:33:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"31909","tags":null,"has_narrative":true,"complaint_id":"6059076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2022-10-06T17:00:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This is a follow up to the <em>complaint</em> made to Navient on <em>XX/XX</em>/2022 and answered <em>XX/XX</em>/2022 by Navient <em>complaint</em> number <em>XXXX</em>. In the response Navient sent three documents that show a contract with Sallie Mae. I am aware of a contract with Sallie Mae but unaware of any contract between myself and Navient. Two Formal Affidavit of TRUTH was sent to Navient via Certified Mail # <em>XXXX</em> ; <em>XXXX</em> dated <em>XX/XX</em>/2022, and received on <em>XX/XX</em>/2022."]},"sort":[11.749839,"6059076"]},{"_index":"complaint-public-v1","_id":"21556675","_score":11.466598,"_source":{"product":"Debt collection","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT Consumer : XXXX XXXX XXXX Location : XXXX, NY Subject Entities : Jefferson Capital Systems , LLC ; XXXX XXXX XXXX ; XXXX XXXX Issue : Unlawful Debt Collection Practices ( FDCPA ), Inaccurate Credit Reporting ( FCRA ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). \n\nComplaint Narrative : I am filing this formal complaint against XXXX XXXX, XXXX XXXX XXXX, and Jefferson Capital Systems for systemic violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) and 1692e ( 2 ) ( A ) ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. based on 623 ( a ) ( 3 ) ), and UDAAP regulations. I am a 100 % Disabled American Veteran protected under federal consumer guidelines, and my sole sources of income are Veterans Affairs compensation, Social Security Disability Insurance, and a municipal disability retirement pension. These funds are strictly exempt from garnishment. The continued harassment and collection efforts by these entities against a consumer with entirely protected income constitute predatory financial abuse. \n\nOn XX/XX/XXXX, XXXX XXXX offered a promotional XXXX XXXX XXXX upgrade in exchange for an XXXX XXXX XXXX trade-in. Following an unresolvable billing dispute regarding unhonored promotional terms, service was disconnected on XX/XX/XXXX. XXXX subsequently revoked the XXXX promotional credits and assessed an unverified balloon balance of {$910.00}. \n\nIn XX/XX/XXXX, XXXX third-party collector, XXXX XXXX XXXX XXXX XXXX to collect this debt. On XX/XX/XXXX and XX/XX/XXXX, I transmitted formal Notices of Dispute demanding strict legal validation. XXXX responded on XX/XX/XXXX, with an internally generated XXXX invoice but explicitly failed to provide a signed contractual agreement validating the debt. I formally rejected this on XX/XX/XXXX, demanding file closure. \n\nRather than curing this defect, the unverified account was transferred to Jefferson Capital Systems ( XXXX ). On XX/XX/XXXX, XXXX opened collection accounts reporting conflicting and irreconcilable balances of {$1000.00} and {$140.00} to the major credit bureaus, constituting willful FCRA violations. \n\nI recently exhausted my administrative remedies by engaging XXXX XXXX XXXX. They explicitly refused to remove the charges, citing their \" XXXX XXXX XXXX '' and relying solely on Invoice # XXXX as proof of \" services rendered. '' They continue to mask unverified equipment charges as service fees and refuse to produce a legally binding consumer contract. \n\nNEW YORK XXXX XXXX OF THE ATTORNEY GENERAL COMPLAINT Consumer : XXXX XXXX XXXX Location : XXXX, NY Subject Entities : XXXX XXXX ; Jefferson Capital Systems , LLC Issue : Deceptive Trade Practices ( XXXX XXXX ), XXXX XXXX, and Predatory Debt Collection Complaint Narrative : I am submitting this complaint to the Consumer Frauds and Protection Bureau regarding a pattern of deceptive trade practices by XXXX XXXX and unlawful debt collection by Jefferson Capital Systems. I have thoroughly documented these violations of New York State General Business Law Section 349. Furthermore, my income consists entirely of VA disability, SSDI, and a municipal disability retirement pension. Pursuing unverified debt collection against a consumer whose income is entirely judgment-proof and statutorily exempt demonstrates the predatory nature of these entities. \n\nThis dispute echoes the findings of the XX/XX/XXXX multistate settlement secured by your office against XXXX regarding deceptive wireless promotions. On XX/XX/XXXX, XXXX offered me a \" free '' XXXX XXXX XXXX in exchange for an XXXX XXXX XXXX trade-in. When XXXX failed to honor the promotional terms, a billing dispute ensued, leading to service disconnection on XX/XX/XXXX. \n\nUpon disconnection, XXXX assessed a retaliatory balloon balance of {$910.00}. XXXX Executive Relations recently admitted they are treating this entire amount as a charge for \" services rendered and used, '' citing Invoice # XXXX. It is mathematically and factually impossible to incur nearly {$1000.00} in standard service charges over a period of weeks. XXXX is unlawfully masking the cost of unverified equipment or hidden penalties under the guise of service fees. Furthermore, when challenged via formal dispute in XX/XX/XXXX, their collection agency failed to produce a signed, binding consumer contract validating this financial obligation. \n\nDespite lacking contractual standing, XXXX allowed Jefferson Capital Systems to open multiple collection accounts against me on XX/XX/XXXX, reporting fabricated and conflicting balances of {$1000.00} and {$140.00} to major credit bureaus. \n\nXXXX is actively stonewalling, resting their defense on internal invoices rather than signed agreements, and deflecting liability to third-party debt buyers who are actively defaming my consumer credit profile.","date_sent_to_company":"2026-04-24T06:35:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"11787","tags":"Servicemember","has_narrative":true,"complaint_id":"21556675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-04-24T06:28:56.000Z","state":"NY","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am filing this formal <em>complaint</em> against <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, and Jefferson Capital Systems for systemic violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) and 1692e ( 2 ) ( A ) ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. based on 623 ( a ) ( 3 ) ), and UDAAP regulations."]},"sort":[11.466598,"21556675"]},{"_index":"complaint-public-v1","_id":"16423816","_score":11.457942,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Escalation Portfolio Recovery Associates ( XXXX ) Continued False Reporting, Failure to Validate, and CFPB Inaction -- - Complaint Narrative : I am filing this new complaint because Portfolio Recovery Associates ( XXXX ) continues to report XXXX alleged XXXX Bank accounts ( ending in XXXX and XXXX ) that are inaccurate, unverified, and unlawfully damaging my credit, despite multiple CFPB complaints and extensive documentation proving they can not validate the debts. \n\nThis is now my fifth complaint regarding these same accounts, which shows an ongoing pattern of noncompliance and disregard for the law. My prior complaint numbers include : # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) In their most recent response ( XX/XX/year> ), XXXX once again failed to provide proper debt XXXX under the Fair Debt Collection Practices Act ( FDCPA, XXXX U.S.C. XXXX ) or comply with their duties under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ). \n\nXXXX has only provided internal business records and billing statements not : XXXX. A signed contract or original application proving I opened these accounts. \n\n\nXXXX. A complete chain of title showing legal transfer from XXXX XXXX  to XXXX. \n\n\nXXXX. Proof of legal authority to collect or report these debts. \n\n\n\nUnder 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, collection and credit reporting must cease until proper validation is provided. XXXX violated this law by continuing to report unverified accounts. \n\nUnder 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate or incomplete information when notified by credit bureaus or the CFPB. PRAs repeated refusal to do so is a clear and willful violation of federal law. \n\nPRAs statement that my dispute was untimely is false. I have filed multiple CFPB complaints and disputes throughout 2025 all while the accounts are actively reporting. Their claim is a deceptive attempt to avoid their legal obligations. \n\n\n-- - CFPB Accountability It is unacceptable that the CFPB continues to mark my complaints as closed while the company remains in violation of federal law. This process is supposed to protect consumers, not shield repeat violators. \n\nIf the CFPB continues to close complaints without requiring deletion or compliance, it defeats the entire purpose of having this agency. Consumers like me deserve enforcement and accountability, not form letters and dismissals. \n\nBecause of XXXX ongoing false reporting and the XXXX lack of enforcement, I will be filing a formal complaint with the Texas Attorney XXXX XXXX XXXX XXXX and pursuing legal action under the FDCPA and FCRA. \n\n\n-- - Requested Resolution I demand the following actions : XXXX. Immediate and permanent deletion of both Portfolio Recovery Associates accounts ( ending in 2459 and 3109 ) from all credit bureaus ( Equifax, Experian, and TransUnion ). \n\n\nXXXX. These accounts must never appear on my credit reports again under any name, trade line, or variation. I am requesting that CFPB ensure no reinsertion of these accounts under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\n3. A formal CFPB investigation into Portfolio Recoverys pattern of deceptive reporting and noncompliance. \n\n\nXXXX. Referral to the Federal Trade Commission ( FTC ) and Texas Attorney General for enforcement and penalties against XXXX for repeated violations. \n\n\nXXXX. Written confirmation that XXXX has been instructed to permanently remove these accounts and cease all collection activity. \n\n\n\n\n-- - Summary Portfolio Recovery Associates has repeatedly violated the FDCPA and FCRA through unlawful collection, continued false reporting, and deceptive responses to federal complaints. The CFPBs repeated closure of these complaints without action enables continued harm to consumers. \n\nI expect this matter to be treated as a formal escalation and enforcement request not another routine review. If no corrective action is taken within 30 days, I will proceed with complaints to the Texas Attorney General, Federal Trade Commission, and consumer litigation counsel for damages and injunctive relief.","date_sent_to_company":"2025-10-07T13:59:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"16423816","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-10-07T13:42:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Subject : Formal Escalation Portfolio Recovery Associates ( <em>XXXX</em> ) Continued False Reporting, Failure to Validate, and CFPB Inaction -- - <em>Complaint</em> <em>Narrative</em> : I am filing this new <em>complaint</em> because Portfolio Recovery Associates ( <em>XXXX</em> ) continues to report <em>XXXX</em> alleged <em>XXXX</em> Bank accounts ( ending in <em>XXXX</em> and <em>XXXX</em> ) that are inaccurate, unverified, and unlawfully damaging my credit, despite multiple CFPB <em>complaints</em> and extensive documentation proving they can not validate the debts."]},"sort":[11.457942,"16423816"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":164,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":164}]}},"product":{"doc_count":164,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":91,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":91}]}},{"key":"Debt collection","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not 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