{"took":176,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":204,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14498812","_score":16.102493,"_source":{"product":"Mortgage","complaint_what_happened":"We know inThis scenario we are describing for our property at XXXX XXXX XXXX XXXX XXXX, Georgia, sounds highly complex and suggests a distressed or complicated real estate situation. Here 's a breakdown of why we are asking the question why in XXXX listing they are asking for ownership information, and what the other details they mentioned could signify : Why would a XXXX  Listing Ask for Ownership Information : * XXXX 's Data Limitations : While XXXX pulls information from public records, these records aren't always perfectly up-to-date or complete, especially in complex cases. If XXXX 's internal data is conflicting or lacks clear ownership, it might prompt users to provide information. \n* For Sale By Owner ( FSBO ) or Off-Market Listings : If Our property isn't listed by a real estate agent through the Multiple Listing Service ( XXXX  ) XXXX XXXX and others might rely on individuals to directly input information. In such cases, verifying ownership is crucial.So XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX Answer by Declaring that We are the Owners of the Property Listed.Therefore we looked up information with the assistance of Research Entity to Trace and Track the Life of Our Property Purchase and Hence Forth. \n* Discrepancies and Inaccurate Public Records : The fact that the property has \" 99 heirs listed '' and \" Property Taxes paid by different Persons '' strongly indicates a fragmented and potentially disputed ownership. Public records in such scenarios can be messy, and XXXX might be trying to reconcile conflicting data or simply lacks definitive, easily verifiable information. \n* Heirs ' Property Issues : \" Heirs ' property '' refers to land passed down informally, often without a will, among family members. This can lead to numerous co-owners ( the \" 99 heirs '' ) who may not all be aware of their rights or in agreement about the property 's sale. This situation creates significant legal hurdles for any transaction. XXXX, or any potential buyer, would want to understand who genuinely has the legal right to sell our property. XXXX XXXX XXXX XXXX XXXX and all others involved What the Other Details Suggest : * \" 99 Heirs Listed '' : This is a huge red flag for a clear title. It means there are potentially dozens of individuals with some claim to the property. Selling such a property typically requires the consent of all legal heirs, which can be an incredibly difficult and lengthy process. It often necessitates a quiet title action in which even the XXXX XXXX of Bank of America NA or other will have complex legal proceedings to establish clear ownership. \n* \" Property Taxes paid by different Persons '' : This further supports the idea of fragmented ownership or disarray. It could mean some heirs are paying, others aren't, or there's confusion about who is responsible for the taxes. This also indicates a lack of unified management of the property. \n* \" CONTROL number assigned XXXX '' : We were told that this was an internal tracking number used by an institution or a system for managing assets. It could be related to how the property was managed by the bank or the private company. \n* \" Sold In XXXX by BofA XXXX XXXX XXXXXXXX XXXX XXXX to a XXXX XXXX under XXXX XXXX XXXX XXXX '' : This is the most telling detail. \n* BofA XXXX XXXX XXXX XXXX XXXX : This indicates that a major financial institution likely held some form of interest in the property, perhaps as a result of a, securitized loan, or an investment. \n* Sold In XXXX : This points to the transaction happening under XXXX legal frameworks, which can differ significantly from XXXX real estate law. This might be a legacy of how the asset was packaged or managed internationally. \n* XXXX XXXX under XXXX XXXX XXXX XXXX : The search results indicate that \" XXXX '' is primarily a company involved in website building and digital services, with an XXXX XXXX called XXXX XXXX also registered in real estate. It's unusual for a web development company to be directly buying XXXX real estate. This could mean : * An investment arm : XXXX XXXX ( or a related entity ) might have had an investment division that deals in distressed assets. \n* XXXX XXXX  company : The \" private company under XXXX XXXX '' could be a special purpose vehicle ( SPV ) created specifically to hold this asset, potentially to obscure the ultimate beneficial owner or for tax/legal reasons. \n* This is not An error or misinterpretation : There's is no slight chance of a misunderstanding in the information we've seen, though \" BofA XXXX XXXX '' and \" Sold in XXXX '' suggest a legitimate, albeit complex, transaction. \nIn summary, we find the XXXX listing asking for ownership information, coupled with the details that were provided, strongly suggests that XXXX XXXX XXXX is a property with a highly complex and likely clouded title. This means : * Difficulty in ascertaining clear ownership : The \" XXXX heirs '' and differing tax payments point to a tangled web of ownership claims. \n* Potential legal challenges : Any sale of our property would almost certainly involve significant legal work to clear the title and ensure all legitimate claims are addressed.So XXXX XXXX XXXX XXXX XXXX made the purchase XXXX XX/XX/2025 * Distressed asset : The involvement of BofA XXXX XXXX and a sale to a private company often suggests that our property was acquired as a distressed asset, where the original ownership was problematic or the property was not actively managed. \nFor anyone considering purchasing such a property, it would be absolutely critical to engage a real estate attorney specializing in title issues and quiet title actions. The XXXX request for ownership information is likely an attempt to gather more data to untangle this complex situation.","date_sent_to_company":"2025-07-06T03:41:36.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"302XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14498812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-06T02:31:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["The XXXX request for ownership <em>information</em> is likely an attempt to gather more data to untangle this <em>complex</em> situation."]},"sort":[16.102493,"14498812"]},{"_index":"complaint-public-v1","_id":"5105681","_score":15.4278555,"_source":{"product":"Debt collection","complaint_what_happened":"I have mailed a letter to the XXXX collections and to the credit bureaus on a debt for an apartment complex that does not tie back to me. I have asked that they remove the debt from all 3 reporting agencies and the home leasing agencies. The information keeps getting updated with no legal proof that I entered into any agreement with XXXX collection agency. This is a clear violation, Hunter Warfield has failed to provide me with a requested contract that contains my signature, and not just a letter from them saying the debt is owed. That does not meet the burden of proof. Under consumer law all of the above listed companies are in violation of my consumer rights.","date_sent_to_company":"2022-01-26T17:13:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77074","tags":null,"has_narrative":true,"complaint_id":"5105681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2022-01-13T15:42:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have mailed a letter to the XXXX collections and to the credit bureaus on a debt for an apartment <em>complex</em> that does not tie back to me. I have asked that they remove the debt from all 3 reporting agencies and the home leasing agencies. The <em>information</em> keeps getting updated with no <em>legal</em> proof that I entered into any agreement with XXXX collection agency."]},"sort":[15.4278555,"5105681"]},{"_index":"complaint-public-v1","_id":"7757452","_score":15.32693,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. \nI will provide a summary of the issues i have encountered. \n1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity.\n\n2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs.\n\n3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation.\n\nI believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.\n\nI kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. \nI am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. \nAlso, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. \n\nREFERECE Previous Complaint against Amex XXXX XXXX XXXXXXXX Please do not hesitate to contact me for any further information required. \n\nI appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. \n\nThanks for your support and cooperation.","date_sent_to_company":"2023-10-25T21:52:05.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"44202","tags":null,"has_narrative":true,"complaint_id":"7757452","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-10-25T21:02:19.000Z","state":"OH","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and <em>clear</em> justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs.\n\n3. <em>Complex</em> <em>Legal</em> Proceedings : American Express has employed <em>complex</em> and confusing <em>legal</em> procedures in its debt collection efforts."]},"sort":[15.32693,"7757452"]},{"_index":"complaint-public-v1","_id":"7776817","_score":14.632173,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. \nI will provide a summary of the issues i have encountered. \n1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity. \n2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs. \n3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation. \n\nI believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.\n\nI kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. \nI am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. \nAlso, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. \n\nREFERECE Previous Complaint against Amex https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-85-million-refund-to-consumers-harmed-by-illegal-credit-card-practices/ Please do not hesitate to contact me for any further information required. \n\nI appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. \n\nThanks for your support and cooperation.","date_sent_to_company":"2023-10-30T15:10:06.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"44202","tags":null,"has_narrative":true,"complaint_id":"7776817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-10-30T15:03:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and <em>clear</em> justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs. \n3. <em>Complex</em> <em>Legal</em> Proceedings : American Express has employed <em>complex</em> and confusing <em>legal</em> procedures in its debt collection efforts."]},"sort":[14.632173,"7776817"]},{"_index":"complaint-public-v1","_id":"17840244","_score":14.128444,"_source":{"product":"Debt collection","complaint_what_happened":"I am reaching out again after reviewing the documents attached by National Credit Systems in their previous response. While they state they are collecting on behalf of XXXX XXXX XXXX, I am still unable to locate any part of the agreement, application, or lease that explicitly grants them access to my personal data or authorizes them to report anything about me to credit reporting agencies. \n\nI want to be very clear. I am not challenging the balance that may be owed to the original apartment complex. I am specifically challenging the legitimacy of this debt collectors involvement and how my sensitive consumer information ended up in their possession without my direct knowledge or written authorization. \n\nThey continue to reroute attention to the charges from XXXX XXXX, but my inquiry is not about those charges it is about the lack of transparency, consent, and legal authority for National Credit Systems to even possess or share my personal and financial information under their name.","date_sent_to_company":"2025-11-23T19:22:53.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"77089","tags":null,"has_narrative":true,"complaint_id":"17840244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-11-23T19:19:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I want to be very <em>clear</em>. I am not challenging the balance that may be owed to the original apartment <em>complex</em>. I am specifically challenging the legitimacy of this debt collectors involvement and how my sensitive consumer <em>information</em> ended up in their possession without my direct knowledge or written authorization."],"issue":["Took or threatened to take negative or <em>legal</em> action"]},"sort":[14.128444,"17840244"]},{"_index":"complaint-public-v1","_id":"21690349","_score":14.086153,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This complaint is a continuation of a previously closed case that was not properly resolved. \nI am disputing the validity of this loan due to misrepresentation, lack of proper disclosure, and absence of informed consent. \nThis transaction was presented to me as a home improvement agreement, not as a long-term financial loan with serious financial consequences. I was not clearly informed that I was entering into a binding financial obligation. \nA critical issue in this case is the lack of language access. No qualified interpreter was provided at any stage of this transaction. As a result, I did not fully understand the terms, risks, and legal consequences of the agreement. \nThe company relies on a welcome call as proof of consent. However, a brief call can not establish informed understanding of a complex financial contract. Simply answering yes does not demonstrate that I understood the agreement. \nI requested clear information regarding the loan terms, financial consequences, and whether an interpreter was provided. This information was not properly provided. \nAdditionally, I have obtained supporting evidence, including communications from company representatives and management, confirming that the company is responsible for the transaction and the representations made. \nThe companys previous response fails to address these issues and does not reflect the reality of what occurred. \nThis complaint is a continuation of a previously closed case that was not properly resolved. \nI am disputing the validity of this loan due to misrepresentation, lack of proper disclosure, and absence of informed consent. \nThis transaction was presented to me as a home improvement agreement, not as a long-term financial loan with serious financial consequences. I was not clearly informed that I was entering into a binding financial obligation. \nA critical issue in this case is the lack of language access. No qualified interpreter was provided at any stage of this transaction. As a result, I did not fully understand the terms, risks, and legal consequences of the agreement. \nThe company relies on a welcome call as proof of consent. However, a brief call can not establish informed understanding of a complex financial contract. Simply answering yes does not demonstrate that I understood the agreement. \nI requested clear information regarding the loan terms, financial consequences, and whether an interpreter was provided. This information was not properly provided. \nAdditionally, I have obtained supporting evidence, including communications from company representatives and management, confirming that the company is responsible for the transaction and the representations made. \nThe companys previous response fails to address these issues and does not reflect the reality of what occurred. \nI am requesting a full review of this case based on the new evidence provided. \nRequested XXXX I am requesting the immediate cancellation of this loan and the release of any XXXX, XXXX filing, or claim against my property. I also request the correction of any negative credit reporting related to this loan and appropriate financial compensation for damages caused. Additionally, I request written confirmation of whether a qualified interpreter was provided and a clear explanation of how informed consent was obtained for this agreement.","date_sent_to_company":"2026-04-29T00:43:11.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"21690349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2026-04-28T23:21:49.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As a result, I did not fully understand the terms, risks, and <em>legal</em> consequences of the agreement. \nThe company relies on a welcome call as proof of consent. However, a brief call can not establish informed understanding of a <em>complex</em> financial contract. Simply answering yes does not demonstrate that I understood the agreement. \nI requested <em>clear</em> <em>information</em> regarding the loan terms, financial consequences, and whether an interpreter was provided. This <em>information</em> was not properly provided."]},"sort":[14.086153,"21690349"]},{"_index":"complaint-public-v1","_id":"13615983","_score":12.805836,"_source":{"product":"Debt collection","complaint_what_happened":"I previously resided at XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX. The apartment complex failed to properly secure the windows in my second-floor unit, which led to flooding and water damage. I never tampered with or altered the windows. Despite this, the apartment complex attempted to hold me financially responsible for the resulting damages. \n\nAs far as I am aware, XXXX XXXX XXXX then sold a claimed debt of {$1000.00} to National Credit Systems Inc., who subsequently reported this to the credit bureaus. National Credit Systems did so after : * Failing to send proper written notification following their initial phone call. \n* Failing to provide adequate validation of the alleged debt. \n* Being explicitly informed that the debt was fraudulent and not owed. \n\nDebt Collection Violations : 1. Improper Informing FDCPA 1692g ( a ) : Under federal law, debt collectors are required to send a written notice containing key information about the debt within five days of their initial communication. This obligation applies regardless of whether the first contact was by phone. In this case, no such notice was received, constituting a clear violation of 1692g ( a ).\n\n2. Improper Validation FDCPA 1692g ( b ) : Although the collector later provided a contract and basic information, they failed to include sufficient substantiating evidence directly linking me to the debt. Their response lacked any documentation proving my legal responsibility for the alleged charges. Therefore, it does not satisfy the validation requirements under 1692g ( b ).\n\n3. Pursuing Fraudulent Debt FDCPA 1692e ( 8 ) & FCRA Violations : The debt in question is fraudulent. I informed the collector of this in writing. Despite this, they reported the debt to credit bureaus, which constitutes the communication of false information in violation of FDCPA 1692e ( 8 ). Their actions also violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit data to report only accurate and verifiable information. Their continued reporting has caused direct harm to my credit and represents unlawful conduct.","date_sent_to_company":"2025-05-20T18:26:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"78840","tags":null,"has_narrative":true,"complaint_id":"13615983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-05-20T18:01:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Improper Informing FDCPA 1692g ( a ) : Under federal law, debt collectors are required to send a written notice containing key <em>information</em> about the debt within five days of their initial communication. This obligation applies regardless of whether the first contact was by phone. In this case, no such notice was received, constituting a <em>clear</em> violation of 1692g ( a ).\n\n2."]},"sort":[12.805836,"13615983"]},{"_index":"complaint-public-v1","_id":"11567416","_score":12.622373,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as formal notice that your actions and/or conduct, as described below, are unlawful and infringe upon my rights. Unless these actions cease immediately, I will have no choice but to pursue all available legal remedies. \n\nDescription of Violation : [ Provide a detailed description of the conduct or actions that are causing harm or infringing upon your rights. Be clear and specifice.g., unauthorized use of intellectual property, harassment, defamation, breach of contract, etc. ] Demand : I demand that you immediately : 1. Cease all actions described above.\n\n2. Refrain from any future conduct that infringes upon my rights or violates applicable laws.\n\nLegal Grounds : [ Briefly state the legal basis for your claim, e.g., citing copyright law, harassment statutes, defamation laws, or breach of contract terms. ] Consequences for Noncompliance : Should you fail to comply with this demand within [ insert deadline, e.g., 10 days of receipt of this letter ], I will have no alternative but to pursue legal remedies, including but not limited to filing a lawsuit, seeking injunctive relief, and pursuing monetary damages. Please note that this letter may be presented as evidence in such proceedings.\n\nReservation of Rights : All rights, remedies, and claims are reserved, and this letter should not be construed as a waiver of any legal or equitable rights available to me.\n\nAcknowledgment of Receipt : To avoid further legal action, I request written confirmation within [ insert deadline ] that you have received and are complying with this cease-and-desist letter.\n\nIf you have any questions or believe this notice has been sent in error, you may contact me at the information provided above. \n\nSincerely, XXXX XXXX This template covers general situations and is not legal advice. If youre dealing with a complex matter, consult an attorney to ensure the letter adheres to your specific legal needs.","date_sent_to_company":"2025-01-17T03:25:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"48203","tags":null,"has_narrative":true,"complaint_id":"11567416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-17T03:20:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX This template covers general situations and is not <em>legal</em> advice. If youre dealing with a <em>complex</em> matter, consult an attorney to ensure the letter adheres to your specific <em>legal</em> needs."]},"sort":[12.622373,"11567416"]},{"_index":"complaint-public-v1","_id":"15487650","_score":12.520501,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request validation of the alleged debt that has been reported against me and is currently hindering my ability to obtain housing.\n\nAs a U.S. military veteran, I take my financial obligations seriously. However, I dispute this debt and request proper verification. During the XXXX pandemic, my rent was covered in part through a government rental assistance program. I left the apartment in good standing, and to my knowledge, the assistance funds were issued directly to the property management company at the time. The apartment complex has since changed management, and there has been no clear explanation or documentation of how those funds were applied. \n\nAccordingly, I request that you provide the following : Documentation showing that I am legally obligated to pay this debt, including a copy of any lease, contract, or agreement bearing my signature. \n\nA detailed payment history reflecting all charges, payments received ( including government assistance funds ), credits, and any alleged balance owed. \n\nThe name and address of the original creditor, and documentation of any transfer of ownership or management of the apartment complex relevant to this account. \n\nProof that you are authorized to collect this debt, including your state licensing information if applicable. \n\nUntil this information is provided, please cease all collection activity, including reporting this alleged debt to any credit reporting agencies. If this debt has already been reported, I request that it be marked as \" disputed '' with all three major credit bureaus ( XXXX XXXX XXXX XXXX ) until this matter is resolved. \n\nPlease note that this letter is not an acknowledgment of liability but a request for validation. Any continued attempt to collect this debt without proper validation may constitute a violation of federal law. \n\nI expect a response within 30 days of receipt of this letter. Please send all correspondence to the address listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-26T02:47:34.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"323XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15487650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-08-26T02:29:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The apartment <em>complex</em> has since changed management, and there has been no <em>clear</em> explanation or documentation of how those funds were applied. \n\nAccordingly, I request that you provide the following : Documentation showing that I am <em>legally</em> obligated to pay this debt, including a copy of any lease, contract, or agreement bearing my signature. \n\nA detailed payment history reflecting all charges, payments received ( including government assistance funds ), credits, and any alleged balance owed."]},"sort":[12.520501,"15487650"]},{"_index":"complaint-public-v1","_id":"13680262","_score":12.307251,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Identity Theft and Unauthorized Account in My Name To Whom It May Concern, I am writing to formally notify you of a serious matter involving identity theft connected to your property. It has come to my attention that someone fraudulently used my personal information and stole my card to secure an apartment at XXXX XXXX XXXX XXXX. I did not authorize this transaction, nor was I involved in any lease agreement with your complex. \n\nWhen I attempted to resolve this matter, I was met with a lack of cooperation. I was informed that no police report would be filed, and the manager I spoke to refused to provide their namean action that raises further concern about the handling of this situation. Despite clear evidence that this was a case of identity theft, the alleged debt was illegally sold to a collection agency under my name, causing further harm to my credit and personal record.\n\nI request immediate confirmation that your office will investigate this matter and provide documentation of any and all transactions made under my name. I also request that you notify the collection agency of this identity theft claim and retract any outstanding debt linked to this fraudulent account.\n\nIf I do not receive a response within 10 business days, I will be forced to escalate this matter by filing a formal complaint with the Federal Trade Commission, and consider seeking legal action.","date_sent_to_company":"2025-05-23T04:50:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"70806","tags":null,"has_narrative":true,"complaint_id":"13680262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2025-05-23T04:24:06.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["It has come to my attention that someone fraudulently used my personal <em>information</em> and stole my card to secure an apartment at XXXX XXXX XXXX XXXX. I did not authorize this transaction, nor was I involved in any lease agreement with your <em>complex</em>. \n\nWhen I attempted to resolve this matter, I was met with a lack of cooperation."]},"sort":[12.307251,"13680262"]},{"_index":"complaint-public-v1","_id":"21398496","_score":12.201614,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this formal complaint regarding Columbia Debt Recovery / Genesis, the originating apartment complex, and the credit reporting agencies ( XXXX XXXX XXXX XXXX  ) for inaccurate reporting, improper debt collection practices, and failure to comply with federal and Georgia state law. \n\nThe alleged balance currently being reported is {$3600.00} ; however, this amount has been inconsistent and incorrect. At various points, I was told I owed approximately {$6000.00}, then {$4000.00}, and now {$3600.00}. Additionally, after I disputed the account, the balance was reduced by {$21.00} without explanation. These shifting balances demonstrate a lack of accuracy, proper accounting, and validation of the alleged debt. \n\nThis amount originated from my former apartment complex and was later furnished to Columbia Debt Recovery / Genesis. However, the balance includes improper and unlawful charges that I do not owe. \n\nI vacated the property on XX/XX/XXXX, prior to the lease expiration date of XX/XX/XXXX. Despite this, the account reflects charges that were not prorated for the month of XXXX and includes an additional XXXX days of rent. These extra charges appear to be based solely on a XX/XX/XXXX email from the property XXXX asking whether I had moved out, rather than any actual occupancy or lease-based obligation. I had already vacated the unit before the lease ended, and the failure to prorate rent and the inclusion of additional days are not supported by the lease agreement. \n\nAdditionally, the apartment complex previously attempted to charge an illegal buyout fee on my move-out ledger. I consulted with an attorney regarding this matter and have included a copy of that attorneys letter as supporting documentation. This further demonstrates a pattern of improper and unlawful billing practices associated with this account. \n\nI disputed this account with XXXX XXXX XXXX XXXX The account was not removed and was instead verified, despite the clear inconsistencies, improper charges, and supporting documentation I provided. This indicates that the credit reporting agencies failed to conduct a reasonable investigation as required under federal law. \n\nI am also formally questioning the debt collection practices of Columbia Debt Recovery / Genesis. They are attempting to collect and report a debt that has not been properly validated, includes unlawful charges, and has been presented in multiple inconsistent amounts. \n\nFurthermore, during a phone call with Columbia Debt Recovery, one of their agents threatened me with legal action regarding this disputed debt. This threat was made despite the debt being disputed and not validated.\n\nFederal Law Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nSection 1681e ( b ) : Requires consumer reporting agencies to ensure maximum possible accuracy.\n\nSection 1681i ( a ) : Requires a reasonable reinvestigation of disputed information.\n\nSection 1681s-2 ( b ) : Requires furnishers to conduct a meaningful investigation upon dispute.\n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.\n\nSection 1692e : Prohibits false, deceptive, or misleading representations.\n\nSection 1692e ( 2 ) ( A ) : Prohibits misrepresentation of the character or amount of a debt.\n\nSection 1692e ( 5 ) : Prohibits threatening legal action that can not legally be taken or is not intended to be taken.\n\nSection 1692f : Prohibits unfair or unconscionable collection practices.\n\nSection 1692g : Requires proper validation of the debt and cessation of collection until validation is provided after dispute.\n\nGeorgia State Law Violations : Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) Prohibits unfair or deceptive acts or practices in consumer transactions.\n\nGeorgia Landlord-Tenant Law ( O.C.G.A. 44-7-1 et seq. ) Requires that rent and charges reflect actual obligations under the lease and actual occupancy. \n\nThe continued reporting and attempted collection of an inaccurate, inflated, and unvalidated debtcombined with improper charges, failure to prorate rent, inconsistent balances, threats of legal action, and the failure of the credit reporting agencies to properly investigatehas caused significant harm to my credit profile. \n\nRequested Resolution : I am demanding the following : Immediate deletion of this account from XXXX XXXX XXXX XXXX \nWritten confirmation that the account has been permanently removed. \nA full, itemized accounting of the alleged debt, including justification for all amounts previously claimed ( {$6000.00}, {$4000.00}, and {$3600.00} ), the failure to prorate XXXX rent, and the addition of five extra days. \nFormal validation of the debt, including documentation proving I legally owe the amount claimed. \nA formal investigation into the billing and collection practices of both the apartment complex and Columbia Debt Recovery / Genesis, including the attempted illegal buyout fee. \nA formal review of the conduct of the collection agent who threatened legal action. \nDocumentation from the credit reporting agencies detailing the procedures used to investigate my disputes. \nCorrection of any inaccurate or misleading information associated with this account. \n\nIf this matter is not resolved, I am prepared to pursue further legal remedies and file additional complaints with appropriate regulatory authorities. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate all parties involved and ensure compliance with applicable laws. \n\nThank you for your time and attention to this matter.","date_sent_to_company":"2026-04-20T14:28:35.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"21398496","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2026-04-20T14:07:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Formal validation of the debt, including documentation proving I <em>legally</em> owe the amount claimed. \nA formal investigation into the billing and collection practices of both the apartment <em>complex</em> and Columbia Debt Recovery / Genesis, including the attempted illegal buyout fee. \nA formal review of the conduct of the collection agent who threatened <em>legal</em> action. \nDocumentation from the credit reporting agencies detailing the procedures used to investigate my disputes."]},"sort":[12.201614,"21398496"]},{"_index":"complaint-public-v1","_id":"10085780","_score":12.063079,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute a {$400.00} debt that has appeared on my credit report, allegedly associated with an apartment complex I vacated over a year and a half XXXX XXXX XXXX in XXXXXXXX XXXX. After investigating, I discovered that I was never notified of this debt nor provided any opportunity to dispute it before it was sent to collections. This failure to notify me violates several provisions of federal and state consumer protection laws. \n\nFirstly, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I should have received written notice of this debt, including the amount owed and the name of the creditor, within five days of the debt collector 's initial communication. I never received such notice, and therefore was not given the legally required opportunity to dispute the validity of the debt within 30 days of that communication.\n\nAdditionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information, such as debt collectors, have a legal obligation to ensure the accuracy and completeness of the information provided on a credit report. The fact that I was not informed of any outstanding balance prior to vacating the premisesconfirmed by property management at the timefurther suggests that the reported debt is inaccurate. \n\nUpon reviewing public feedback from former tenants, it appears that XXXX XXXX XXXX has a documented history of engaging in similar questionable practices, raising concerns of fraudulent or deceptive conduct that may violate state consumer protection laws as well. \n\nI demand that this debt be removed from my credit report immediately, as it was reported without proper legal notice and is invalid. I also request confirmation that this matter has been resolved, and the erroneous debt has been cleared from my credit report. \n\nIf this issue is not addressed promptly, I am prepared to pursue legal action under the aforementioned statutes for the damages caused by these violations.","date_sent_to_company":"2024-09-11T22:57:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10085780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sentry Credit, Inc.","date_received":"2024-09-11T22:24:42.000Z","state":null,"company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I never received such notice, and therefore was not given the <em>legally</em> required opportunity to dispute the validity of the debt within 30 days of that communication.\n\nAdditionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of <em>information</em>, such as debt collectors, have a <em>legal</em> obligation to ensure the accuracy and completeness of the <em>information</em> provided on a credit report."]},"sort":[12.063079,"10085780"]},{"_index":"complaint-public-v1","_id":"9027219","_score":11.976032,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX XXXX, assert myself as the implied surety for taxpayer XXXX XXXX XXXX XXXX Estate/trust. I stand as the private originator of all value, whether commercial or otherwise, that has ever accrued or could ever descend to the public XXXX XXXX XXXX XXXX XXXX person and any derivative entities thereof. \n\nI want to make it unequivocally clear that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial information. \n\nMy assertion is backed by thorough research into relevant legal precedents and cases regarding consumer consent in information reporting to credit bureaus. One such crucial case is XXXX XXXX XXXX XXXX XXXX, adjudicated by the United States Court of Appeals for the XXXX XXXX in XXXX. The court 's ruling underscored that for a creditor to invoke a consumer 's consent, it must be fully informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically infer informed and voluntary consent. The onus lies on the financial institution to demonstrate explicit consent from the consumer, indicative of their comprehension and agreement to have their information reported to credit reporting agencies. \n\nI have meticulously compiled evidence indicating that the companies listed in my FTC identity theft report have obtained my information through acts of identity theft and power of attorney fraud. I reiterate, I have had no dealings whatsoever with these companies, nor have I received any goods or services from them. This demand to block and expunge fraudulent information is not made in error or based on misrepresentation. \n\nI am well aware that no valid, directly verified contracts exist between myself and any other party via wet ink signature. I also understand that any attempts to collect a debt are merely alleged indirect actions. It is an undeniable fact that all purported contracts are entirely fraudulent, and any endeavor to enforce such fraudulent contracts is unlawful due to their inception through the illegal activities of identity theft and power of attorney fraud. \n\nTherefore, I demand an immediate cessation of the dissemination of fraudulent bills to my person. \n\nYour credit file contains addresses I have never lived in. and are a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX CA XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX your credit file also contains multiple variations of my social which are wrong! \n\nXXXX XXXX which is a huge indication that accounts were acquired fraudulently. \n\nthe correct last 4 digits are XXXX. \n\nyou have multiple variations of my name which are similar to my name but NOT ME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let the record show that my proper name pursuant to Title 18 U.S. Code 1342 is XXXX XXXX XXXX XXXX, and any variation is an attempt to commit Mail Fraud, Identity Theft and power of attorney fraud. \n\nI have also never worked at the following employers. \n\nXXXX XXXX EMPLOYED XXXX XXXX I must demand all this inaccurate information along with the fraudulent accounts be removed","date_sent_to_company":"2024-05-16T16:22:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90019","tags":null,"has_narrative":true,"complaint_id":"9027219","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-16T15:58:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I want to make it unequivocally <em>clear</em> that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial <em>information</em>. \n\nMy assertion is backed by thorough research into relevant <em>legal</em> precedents and cases regarding consumer consent in <em>information</em> reporting to credit bureaus."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[11.976032,"9027219"]},{"_index":"complaint-public-v1","_id":"9026803","_score":11.976032,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX XXXX, assert myself as the implied surety for XXXX XXXX XXXX XXXX XXXX Estate/trust. I stand as the private originator of all value, whether commercial or otherwise, that has ever accrued or could ever descend to the public XXXX XXXX XXXX XXXX artificial person and any derivative entities thereof. \n\nI want to make it unequivocally clear that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial information. \n\nMy assertion is backed by thorough research into relevant legal precedents and cases regarding consumer consent in information reporting to credit bureaus. One such crucial case is XXXX XXXX XXXX XXXX XXXX, adjudicated by the United States Court of Appeals for the XXXX XXXX in XXXX. The court 's ruling underscored that for a creditor to invoke a consumer 's consent, it must be fully informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically infer informed and voluntary consent. The onus lies on the financial institution to demonstrate explicit consent from the consumer, indicative of their comprehension and agreement to have their information reported to credit reporting agencies. \n\nI have meticulously compiled evidence indicating that the companies listed in my FTC identity theft report have obtained my information through acts of identity theft and power of attorney fraud. I reiterate, I have had no dealings whatsoever with these companies, nor have I received any goods or services from them. This demand to block and expunge fraudulent information is not made in error or based on misrepresentation. \n\nI am well aware that no valid, directly verified contracts exist between myself and any other party via wet ink signature. I also understand that any attempts to collect a debt are merely alleged indirect actions. It is an undeniable fact that all purported contracts are entirely fraudulent, and any endeavor to enforce such fraudulent contracts is unlawful due to their inception through the illegal activities of identity theft and power of attorney fraud. \n\nTherefore, I demand an immediate cessation of the dissemination of fraudulent bills to my person. \n\nYour credit file contains addresses I have never lived in. and are a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XX/XX/XXXXCA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX your credit file also contains multiple variations of my XXXX which XXXX wrong! \n\nXXXX XXXX which is a huge indication that accounts were acquired fraudulently. \n\nthe correct last 4 digits are XXXX. \n\nyou have multiple variations of my name which are similar to my name but NOT ME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let the record show that my proper name pursuant to Title 18 U.S. Code 1342 is XXXX XXXX XXXX XXXX, and any variation is an attempt to commit Mail Fraud, Identity Theft and power of attorney fraud. \n\nI have also never worked at the following employers. \n\nXXXX XXXX EMPLOYED XXXX XXXX I must demand all this inaccurate information along with the fraudulent accounts be removed","date_sent_to_company":"2024-05-16T16:22:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90019","tags":null,"has_narrative":true,"complaint_id":"9026803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-16T16:22:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I want to make it unequivocally <em>clear</em> that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial <em>information</em>. \n\nMy assertion is backed by thorough research into relevant <em>legal</em> precedents and cases regarding consumer consent in <em>information</em> reporting to credit bureaus."]},"sort":[11.976032,"9026803"]},{"_index":"complaint-public-v1","_id":"9026804","_score":11.96831,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX XXXX, assert myself as the implied surety for taxpayer XXXX XXXX XXXX XXXX Estate/trust. I stand as the private originator of all value, whether commercial or otherwise, that has ever accrued or could ever descend to the public XXXX XXXX XXXX XXXX artificial person and any derivative entities thereof. \n\nI want to make it unequivocally clear that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial information. \n\nMy assertion is backed by thorough research into relevant legal precedents and cases regarding consumer consent in information reporting to credit bureaus. One such crucial case is XXXX XXXX XXXX XXXX XXXX, adjudicated by the United States Court of Appeals for the XXXX XXXX in XXXX. The court 's ruling underscored that for a creditor to invoke a consumer 's consent, it must be fully informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically infer informed and voluntary consent. The onus lies on the financial institution to demonstrate explicit consent from the consumer, indicative of their comprehension and agreement to have their information reported to credit reporting agencies. \n\nI have meticulously compiled evidence indicating that the companies listed in my FTC identity theft report have obtained my information through acts of identity theft and power of attorney fraud. I reiterate, I have had no dealings whatsoever with these companies, nor have I received any goods or services from them. This demand to block and expunge fraudulent information is not made in error or based on misrepresentation. \n\nI am well aware that no valid, directly verified contracts exist between myself and any other party via wet ink signature. I also understand that any attempts to collect a debt are merely alleged indirect actions. It is an undeniable fact that all purported contracts are entirely fraudulent, and any endeavor to enforce such fraudulent contracts is unlawful due to their inception through the illegal activities of identity theft and power of attorney fraud. \n\nTherefore, I demand an immediate cessation of the dissemination of fraudulent bills to my person. \n\nYour credit file contains addresses I have never lived in. and are a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX your credit file also contains multiple variations of my XXXX which XXXX wrong! \n\nXXXX XXXX which is a huge indication that accounts were acquired fraudulently. \n\nthe correct last XXXX digits are XXXX. \n\nyou have multiple variations of my name which are similar to my name but NOT ME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let the record show that my proper name pursuant to TiXX/XX/XXXX is XXXX XXXX XXXX XXXX, and any variation is an attempt to commit Mail Fraud, Identity Theft and power of attorney fraud. \n\nI have also never worked at the following employers. \n\nXXXX XXXX EMPLOYED XXXX XXXX I must demand all this inaccurate information along with the fraudulent accounts be removed","date_sent_to_company":"2024-05-16T16:22:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90019","tags":null,"has_narrative":true,"complaint_id":"9026804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-16T16:22:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I want to make it unequivocally <em>clear</em> that I do not recognize your company, nor have I ever engaged in any business dealings with you. Moreover, I have never consented to the sharing or selling of my private personal financial <em>information</em>. \n\nMy assertion is backed by thorough research into relevant <em>legal</em> precedents and cases regarding consumer consent in <em>information</em> reporting to credit bureaus."]},"sort":[11.96831,"9026804"]},{"_index":"complaint-public-v1","_id":"14388853","_score":11.860527,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint regarding Mutual Management SVCS LLC that is attempting to collect a debt related to an apartment lease, despite the fact that I provided proper documentation under the Service members Civil Relief Act ( SCRA ) to terminate my lease legally and appropriately. \n\nBefore leaving for military duty, I informed the apartment management of my upcoming XXXX and submitted all the required documentation to terminate my lease under the SCRA. I have proof of this communication and documentation, including a copy of my military orders and written notice to the apartment complex.\n\nI vacated the apartment and ensured it was left clean and in good condition. I also have photographs and videos that clearly show the apartment was clean upon my departure. The apartment was re-rented within a month of my moving out.\n\nDespite this, I never received my security deposit back, and I have now been contacted by a collection agency claiming that I owe money related to the lease. This is unjust and a clear violation of my rights under the SCRA.\n\nI have also contacted the collection agency directly and informed them of the situation, but the matter has not been resolved.\n\nI respectfully request that the CFPB investigate this matter and help ensure that my rights as a servicemember are upheld, and that any improper negative information be removed from my credit report if applicable.\n\nThank you for your attention to this matter. I am happy to provide any additional documentation needed.","date_sent_to_company":"2025-07-01T18:43:08.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"34983","tags":null,"has_narrative":true,"complaint_id":"14388853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mutual Management Services LLC","date_received":"2025-07-01T18:20:39.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This is unjust and a <em>clear</em> violation of my rights under the SCRA.\n\nI have also contacted the collection agency directly and informed them of the situation, but the matter has not been resolved.\n\nI respectfully request that the CFPB investigate this matter and help ensure that my rights as a servicemember are upheld, and that any improper negative <em>information</em> be removed from my credit report if applicable.\n\nThank you for your attention to this matter."]},"sort":[11.860527,"14388853"]},{"_index":"complaint-public-v1","_id":"10897257","_score":11.775548,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, Representative ], I am writing to formally file a complaint against XXXX XXXX XXXX ( XXXX XXXX ) regarding their handling of a debt collection related to my previous apartment. Below is a summary of the events and issues I have encountered : XXXX. **Background on the Debt : ** - I previously resided in [ Name of Apartment Complex ], where my rent fell behind by XXXX months. \n- Upon catching up on payments, the apartment complex refused to accept my rent and subsequently took me to court. \n- We settled on a payment in court, and I paid a portion immediately, followed by monthly payments until I moved out. \n\nXXXX. XXXX XXXX 's Involvement : ** - Years later, XXXX XXXX contacted me, alleging I still owed a balance. \n- During my interactions with XXXX XXXX, their representatives were verbally abusive, threatening, and unwilling to work collaboratively to resolve the debt. \n\nXXXX. **Efforts to Settle the Debt : ** - I attempted multiple times to resolve the issue by offering a lump sum payment or a payment plan. \n- XXXX XXXX refused all reasonable settlement offers and did not provide a clear explanation for their refusal. \n\nXXXX. XXXX XXXX : ** - The original debt of {$XXXX} has ballooned to {$XXXX} due to accrued interest, making it even more challenging to resolve. \n- Despite my willingness to address the matter, XXXX XXXX aggressive and non-cooperative behavior has made it impossible to settle the debt fairly. \n\nXXXX. **Supporting Evidence : ** - I have attached relevant documentation, including proof of payments made to the apartment complex and court documents outlining the initial settlement. \n\nThis experience has caused significant stress and hardship, as XXXX XXXX abusive tactics and refusal to cooperate have impeded my ability to resolve the matter. Additionally, their actions appear to violate ethical and potentially legal standards for debt collection practices. \n\n**Request for XXXX : ** I kindly request your assistance in investigating XXXX XXXX behavior and practices. Specifically, I ask that you : XXXX Review XXXX XXXX handling of this account to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ). \nXXXX. Intervene to facilitate a fair resolution, including the possibility of negotiating a reasonable settlement for the debt. \nXXXX. Take appropriate action against XXXX XXXX if their practices are found to be unethical or in violation of federal or state laws. \n\nI am prepared to provide any additional information or documentation necessary to support my complaint. Please let me know how I can assist in your investigation. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2024-11-22T19:08:06.000Z","issue":"Communication tactics","sub_product":"Rental debt","zip_code":"89012","tags":null,"has_narrative":true,"complaint_id":"10897257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-11-22T18:49:02.000Z","state":"NV","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["**Supporting Evidence : ** - I have attached relevant documentation, including proof of payments made to the apartment <em>complex</em> and court documents outlining the initial settlement. \n\nThis experience has caused significant stress and hardship, as XXXX XXXX abusive tactics and refusal to cooperate have impeded my ability to resolve the matter. Additionally, their actions appear to violate ethical and potentially <em>legal</em> standards for debt collection practices."]},"sort":[11.775548,"10897257"]},{"_index":"complaint-public-v1","_id":"13917540","_score":11.444973,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Dispute of Incorrect Collection Account Reported by National Credit Systems Dear [ Credit Bureau Name ], I am writing to formally dispute a collection account reported on my credit file by National Credit Systems ( NCS ). This information is inaccurate and unfair, and I respectfully request that it be removed from my credit report immediately.\n\nBackground and Summary of the Issue : * I lived at the referenced apartment for over five years and vacated the unit in XXXX. \n* Upon moving out, the apartment management charged me approximately {$2400.00} without providing any itemized bill, receipts, or documentation. \n* Later, they reduced the amount to {$1400.00}, again without any written proof or explanation. \n* I sent them an official claim letter to dispute the charges, after which they did not respond at all. \n* I was never notified that my account was sent to collections. I only discovered this issue through a credit monitoring alert showing an entry from National Credit Systems.\n\nProblems with National Credit Systems ( NCS ) : * NCS first charged me {$1.00} to access my account. \n* Then, they told me that in order to remove the collection, I needed to pay {$370.00} which I did, under pressure and confusion. \n* NCS also informed me that the apartment complex was permanently closed, and that I could dispute the record with a 100 % chance of success. \n* The account was reported under the apartments previous name ( XXXX ), although I vacated the unit in XXXX when the property had already changed its name. \n* The charges were changed several times : from {$2400.00} {$1400.00} {$1100.00}, with no clear explanation or any valid receipts. \nWhy This Record Must Be Removed : 1. No documentation or proof was provided to support the debt.\n\n2. No prior notice was given before reporting the account to collections violating the Fair Credit Reporting Act ( FCRA ).\n\n3. The apartment complex is permanently closed, making the origin of the claim unreliable.\n\n4. NCS pressured me into paying {$370.00} for a deletion without a clear legal basis.\n\n5. The reporting details are inaccurate, including the wrong apartment name and dates. \n\nI am requesting the following : Please remove this inaccurate and unverified collection account from my credit report. The entire handling of this debt was improper, undocumented, and damaging to my credit score. As a consumer, I have the right to dispute any item I believe to be incorrect or unverifiable under the Fair Credit Reporting Act ( FCRA ).\n\nEnclosures : * Proof of {$370.00} payment to NCS * Copy of my formal dispute letter to the apartment * NCS phone call record * Evidence that the apartment is now permanently closed Thank you for reviewing this matter. I trust you will resolve this issue promptly and fairly. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-05T20:11:36.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"13917540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-06-05T19:59:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["The apartment <em>complex</em> is permanently closed, making the origin of the claim unreliable.\n\n4. NCS pressured me into paying {$370.00} for a deletion without a <em>clear</em> <em>legal</em> basis.\n\n5. The reporting details are inaccurate, including the wrong apartment name and dates. \n\nI am requesting the following : Please remove this inaccurate and unverified collection account from my credit report. The entire handling of this debt was improper, undocumented, and damaging to my credit score."]},"sort":[11.444973,"13917540"]},{"_index":"complaint-public-v1","_id":"12624722","_score":11.023978,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint against ShellPoint Mortgage Servicing ( NewRez ) due to their failure to return an escrow overpayment refund of {$12000.00}. \nI originally received a check from ShellPoint with the payee name listed as Estate of XXXX XXXX XXXX and XXXX XXXX XXXX ( my XXXX  parents ). I am the sole trustee and legal heir to the estate and provided all legal documents ( XXXX XXXX, trust documents, etc. ) confirming this. ShellPoint acknowledged receipt of this documentation and promised to reissue the check in my name ( XXXX XXXX XXXX XXXX ). \nThey later told me that instead of mailing a check, they would send the funds via ACH deposit on XX/XX/year>. However, I never received the funds. When I contacted my bank ( XXXX ), they confirmed there is no record of any incoming deposit from ShellPoint. When I contacted ShellPoint again, they stated they now have no record of any check or ACH issued at all. \nThis has caused me serious financial hardship. ShellPoints representatives give me conflicting information each time I call, and now they are refusing to take responsibility or provide any resolution. They have stated that because the check was made out to the estate, its my problem to figure out how to cash itdespite the fact that they promised to correct the payee name. \nWhat makes this even worse is that ShellPoint has no escalation process for this type of issue. I have repeatedly asked to speak with a supervisor or someone from their executive or legal department and have been told there is no one you can talk to. They have no direct contact, no email, no extension, no way to follow uponly entry-level representatives who have no authority to resolve complex servicing issues. \nI have already filed a XXXX complaint, and ShellPoint responded to that by promising to issue the payment, which again never arrived. Its clear this company is either grossly negligent or deliberately avoiding repayment of funds that are legally owed to me. \nI am requesting the following resolution : Immediate reissuance of the {$12000.00} escrow refund in my legal name A full written explanation of what happened Compensation for the financial hardship and emotional distress caused by their failure to resolve this issue over several months","date_sent_to_company":"2025-03-24T16:39:09.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"94903","tags":null,"has_narrative":true,"complaint_id":"12624722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-03-24T16:09:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Its <em>clear</em> this company is either grossly negligent or deliberately avoiding repayment of funds that are <em>legally</em> owed to me. \nI am requesting the following resolution : Immediate reissuance of the {$12000.00} escrow refund in my <em>legal</em> name A full written explanation of what happened Compensation for the financial hardship and emotional distress caused by their failure to resolve this issue over several months"]},"sort":[11.023978,"12624722"]},{"_index":"complaint-public-v1","_id":"15284502","_score":10.937263,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX This debt buyer account violates FCRA requirements by reporting impossible timeline data that defies basic logic. The account shows a first delinquency date of XX/XX/XXXX, but the account opening date is listed as XX/XX/XXXX - making it impossible to be delinquent 7 months before the account even existed. \n\nI have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate information through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of legal authority to collect or report this debt. \n\nThe e-OSCAR investigation process is inadequate, reducing complex verification requirements to simple 3-digit codes that ignore substantial evidence of timeline impossibilities. Per CFPB guidance in XXXXXXXX XXXX XXXX XXXX XXXX, data furnishers must delete information they can not verify. \n\nAccount details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$750.00}, 26 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility. \n\nAccount details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$810.00}, 25 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility - showing delinquency XXXX months before the account was even opened. The payment status chart shows collection activity ( orange \" C '' marks ) starting in XX/XX/XXXX, yet claims first delinquency occurred in XX/XX/XXXX, creating an internally contradictory reporting pattern that violates basic data integrity standards. \n\nI demand deletion of this unverifiable account per FCRA Section 1681i ( 5 ) ( A ) and request CFPB investigation into this debt buyer 's systematic violation of verification requirements.","date_sent_to_company":"2025-08-14T20:59:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"15284502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-14T20:40:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate <em>information</em> through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of <em>legal</em> authority to collect or report this debt."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[10.937263,"15284502"]},{"_index":"complaint-public-v1","_id":"6541597","_score":10.898584,"_source":{"product":"Debt collection","complaint_what_happened":"In 2021 I was planning on moving into an apartment complex. Upon attempting to move in I was attacked by 3 people who lived there. Basically, after meeting with the office and walking out to view the apartment/ move the boxes in my car I noticed someone was parked in what would be my assigned parking spot. I contacted the office by email and inquired if I had the correct spot. They said yes and that someone had parked there when they should not have. So the office person proceeded to put a notice on this persons vehicle. That person came out with two friends and proceeded to start an argument. They threatened me and told me they would XXXX me. There was an altercation. Because of a technicality and because I did not officially live there according to the apartment complex I was asked to leave for good band not come back. I complied completely. I canceled the cashiers check and removed everything I owned from the property ( 3 boxes ). Which I did with a police escort. I left the keys to the apartment and mailbox on the counter. I did not posses the unit for even 1hr before I was told to leave for good. In addition to that the XXXX apartment complex rented the unit out not 3 days later to someone. There was no loss in rent on their part. I have not pursued any action against them for stealing my information and releasing my personal information from my credit application to the people who threatened me. For some weeks after a person I had only seen one time was repeatedly calling me and my wife and this person said I have all your information, Ive lived her for years. You dont think they would give me your information? I even have your social security number. Like I stated before I did not pursue anything nor did I return to the property. I was told that I could not legally be there and needed a police escort at any time I had business there, so I follow those rules. I also called the office several times to try and resolve the matter within the first month of the incident they refused to speak with me and made it very clear. They were going to do everything they can to charge me large sums of money. This is very obvious retaliatory action and its also very obvious that I did not live there, I signed the lease two days after the incident occurred and completed that lease as well as extended it. I did everything they asked me to do and they are still trying to charge me thousands of dollars on top of that and theyve compromised my information as well as the people I put down as references, they even gave out my mothers information to these people that attacked me. I am just a regular citizen thats trying to resolve this matter. Theres absolutely no reason why they should be able to charge me this amount of money if Ive never lived there. Furthermore, they are erroneously reporting it on my credit if anyone is paying attention and looks at the documents, the evicted me the very same day that I allegedly finalized a lease. Now they have waited all this time to erroneously put it on my credit. Also, they filed the police report on the same day that I allegedly signed a lease, so how could I possibly owe all of these charges for rent, utilities, etc. I believe in the state of Arizona we have a 14 day buyers remorse lol or something to that effect. I am not a lawyer, nor do I know how to navigate these types of situations because Ive never been in situations. I did everything they asked me to do and not move into the apartment and now they are charging me as though I did, please help. Im not a perfect person and Ive made mistakes in my life but I dont deserve to have to pay {$5100.00} for a place that I never even spent more than an hour, nor did any of my possessions, family, or children.","date_sent_to_company":"2023-02-07T21:26:24.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"85326","tags":null,"has_narrative":true,"complaint_id":"6541597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2023-02-07T21:03:43.000Z","state":"AZ","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["You dont think they would give me your <em>information</em>? I even have your social security number. Like I stated before I did not pursue anything nor did I return to the property. I was told that I could not <em>legally</em> be there and needed a police escort at any time I had business there, so I follow those rules. I also called the office several times to try and resolve the matter within the first month of the incident they refused to speak with me and made it very <em>clear</em>."]},"sort":[10.898584,"6541597"]},{"_index":"complaint-public-v1","_id":"15281193","_score":10.889208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX This debt buyer account violates FCRA requirements by reporting impossible timeline data that defies basic logic. The account shows a first delinquency date of XX/XX/XXXX, but the account opening date is listed as XX/XX/XXXX - making it impossible to be delinquent 7 months before the account even existed. \n\nI have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate information through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of legal authority to collect or report this debt. \n\nThe e-OSCAR investigation process is inadequate, reducing complex verification requirements to simple 3-digit codes that ignore substantial evidence of timeline impossibilities. Per CFPB guidance in XXXXXXXX XXXX XXXX XXXX XXXX, data furnishers must delete information they can not verify. \n\nAccount details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$750.00}, 26 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility. \n\nAccount details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$810.00}, 25 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility - showing delinquency XXXX months before the account was even opened. The payment status chart shows collection activity ( orange \" C '' marks ) starting in XX/XX/XXXX, yet claims first delinquency occurred in XX/XX/XXXX, creating an internally contradictory reporting pattern that violates basic data integrity standards. \n\nI demand deletion of this unverifiable account per FCRA Section 1681i ( 5 ) ( A ) and request CFPB investigation into this debt buyer 's systematic violation of verification requirements.","date_sent_to_company":"2025-08-14T20:59:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"15281193","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-14T20:58:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate <em>information</em> through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of <em>legal</em> authority to collect or report this debt."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[10.889208,"15281193"]},{"_index":"complaint-public-v1","_id":"15281192","_score":10.889208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX This debt buyer account violates FCRA requirements by reporting impossible timeline data that defies basic logic. The account shows a first delinquency date of XX/XX/XXXX, but the account opening date is listed as XX/XX/XXXX - making it impossible to be delinquent 7 months before the account even existed. \n\nI have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate information through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of legal authority to collect or report this debt. \n\nThe e-OSCAR investigation process is inadequate, reducing complex verification requirements to simple 3-digit codes that ignore substantial evidence of timeline impossibilities. Per CFPB guidance in XXXXXXXX XXXX XXXX XXXX XXXX, data furnishers must delete information they can not verify. \n\nAccount details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$750.00}, 26 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility. \n\nAccount details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$810.00}, 25 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility - showing delinquency XXXX months before the account was even opened. The payment status chart shows collection activity ( orange \" C '' marks ) starting in XX/XX/XXXX, yet claims first delinquency occurred in XX/XX/XXXX, creating an internally contradictory reporting pattern that violates basic data integrity standards. \n\nI demand deletion of this unverifiable account per FCRA Section 1681i ( 5 ) ( A ) and request CFPB investigation into this debt buyer 's systematic violation of verification requirements.","date_sent_to_company":"2025-08-14T20:59:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"15281192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-14T20:58:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate <em>information</em> through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of <em>legal</em> authority to collect or report this debt."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[10.889208,"15281192"]},{"_index":"complaint-public-v1","_id":"8206907","_score":10.810297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Resolution Request for Extended Dispute Timeline and Inconsistencies in Communication Dear CFPB, I am troubled to inform you that Experian has not adhered to the Fair Credit Reporting Act ( FCRA ) stipulated XXXX timeline for responding to disputes. Instead, I received a stall letter from Experian dated XX/XX/year>, well beyond the legally mandated timeframe. This extended delay is causing significant distress and hindering my ability to pursue important financial goals, such as purchasing a home. As a single mother striving to provide stability for my family, this delay has far-reaching consequences. \n\nExperian 's failure to respond within the XXXX timeframe mandated by federal law is a clear violation of the FCRA. If the inaccurately reported bankruptcy is not promptly deleted from my credit file, I will have no choice but to seek legal representation and pursue federal remedies for defamation of character. This action is impeding my ability to achieve homeownership, and I am prepared to take legal action to rectify this situation. \n\nMy dispute, initiated on [ XX/XX/year> ], relates to BANKRUPTCY DOCKET # XXXX my credit report, specifically concerning [ SENDING ME EMAIL THAT SAY RESULTS ARE AVAILABLE ONLINE WHEN I GOT TO DISPUTES IN THE EXPERIAN XXXX XXXX STATES THE COMPLETE OPPOSITE THAT RESULTS ARE NOT AVAILABLE ]. \n\nI have encountered several issues that are causing undue stress and uncertainty in this process. \n\nExtended Dispute XXXX : Experian has consistently extended the dispute timeline beyond the initial 30 days, pushing it to 60 days without providing a clear explanation for the delay. This prolonged timeline is causing unnecessary hardship and anxiety. \n\nInconsistencies in XXXX : I have received multiple emails from Experian notifying me that the results of my dispute are available online. However, upon logging into the Experian portal, the system indicates that the results are not available online. This inconsistency in communication is both confusing and disconcerting. \n\nI understand that resolving disputes can be complex, but the repeated extensions and conflicting messages have eroded my confidence in the dispute resolution process. I am writing to request an urgent and transparent resolution to this matter. \n\n: Urgent Request for Resolution and Warning of Legal Action I am troubled to inform you that Experian has surpassed the XXXX timeline stipulated by the Fair Credit Reporting Act ( FCRA ) for responding to disputes. This extended delay is causing significant distress and hindering my ability to pursue important financial goals, such as purchasing a home. As a single mother striving to provide stability for my family, this delay has far-reaching consequences. \n\nXXXX has taken prompt action by removing the same bankruptcy record from my credit file last month. It is essential that Experian follows suit, especially considering the evidence provided by the courts that they did not furnish or validate this information with the credit bureau. \n\nXXXX XXXX Required : I request that Experian immediately concludes the dispute process and removes the inaccurately reported bankruptcy from my credit file.","date_sent_to_company":"2024-01-23T15:08:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30005","tags":null,"has_narrative":true,"complaint_id":"8206907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-23T14:39:41.000Z","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":["I understand that resolving disputes can be <em>complex</em>, but the repeated extensions and conflicting messages have eroded my confidence in the dispute resolution process. I am writing to request an urgent and transparent resolution to this matter. \n\n: Urgent Request for Resolution and Warning of <em>Legal</em> Action I am troubled to inform you that Experian has surpassed the XXXX timeline stipulated by the Fair Credit Reporting Act ( FCRA ) for responding to disputes."],"issue":["Problem with a company's investigation <em>into</em> an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[10.810297,"8206907"]},{"_index":"complaint-public-v1","_id":"3288570","_score":10.776052,"_source":{"product":"Debt collection","complaint_what_happened":"InXX/XX/2019, my previous apartment complex forwarded a balance to National Credit Systems after ignoring my attempts to resolve the issue ahead of time. On the first phone call between myself and National Credit Systems ( XX/XX/2019 ), I informed the agent that the terms set in the lease for charging and collecting balances after move out had been violated, and we had made multiple attempts to discuss the matter directly with the apartment complex. The agent told us that essentially the legality of the debt owed is not their concern, and any legal action we take against the apartments for improper collection of debt is out of their hands and will not prevent them from reporting the unpaid debt and harming our credit if the balance is not paid. I also informed the agent that I had proof of payment of the portion of the balance they had in collection that had previously been paid, and inquired what proof was necessary to have this removed from the balance. Agent stated this could not be removed unless the apartments verified receipt of payment. Informed the agent at National Credit Systems that payment had been sent via certified mail by traceable money order, and I could provide proof at any time. At this time, the agent promised to provide us with written notification of the debt owed by email ; this e-mail was never sent out. \n\nOn XX/XX/XXXX, I called National Credit Systems again to request the written notification of debt owed, and finally received an email. Agent informed me that she would open a 30 day dispute process during which National Credit systems would attempt to clarify any discrepancies on balances owed and look in to the claims made during the original phone call. Agent reminded us again that if we choose to wait for the apartment complex to respond, this situation will negatively impact our credit report once National Credit Systems changes our accounts status to default. Agent made it clear that even if we don't owe the money, we will need to set up a payment plan of some kind with National Credit Systems to keep them from putting our account in default status and negatively impacting our credit. \n\nOn XX/XX/XXXX, I called National Credit systems to confirm they had received the proof of payment, asking again if this portion of the balance had been removed from the balance held in collections. The agent confirmed this proof had been added to our file. However, the balance owed to National Credit Systems was not adjusted. I was also informed by the agent that our previous apartment complex had not responded to any request for clarification, the dispute window would be closed, and to avoid having the account status placed in default and reported negatively to our credit, we would need to set up a payment plan regardless of the questionable legality of the debt sent to collections. The agent offered me a \" settlement '' in the amount of {$430.00}, I believe. According to the agent, if paid immediately, our account would be considered closed and nothing would be reported to the credit bureaus. I can not confirm this amount exactly, because the agent promised to send information by email, then later said on XX/XX/XXXX it is against management 's policy to send any information in paper or email format regarding settlement amounts offered to close the account. The agent still avoided my question about removing the balance not owed, and instead told me that the settlement offered encompasses a larger deduction than the amount made, making it sound like some kind of deal I should consider taking. \n\nDuring the XX/XX/XXXX called, I again informed National Credit Systems that I planned to file a case with the county against the apartments, and the agent stated that this was \" our word against theirs '', offered me another settlement that was a slightly lower dollar amount than the previous one mentioned, and told me that if I choose not to take the settlement or wait for the outcome of the legal case, on XX/XX/XXXX, National Credit Systems planned to move forward in changing the account status to delinquent and negatively impacting our credit. \n\nThere is an open court case in our county of residence regarding the legality of the charges our previous apartment claims that we ( my husband and I ) owe them, and this has also been communicated to National Credit Systems as recently as XX/XX/XXXX. I called National Credit Systems and asked to speak to a supervisor to inquire why the balance had not been adjusted and again inform the agency that a court case had been filed against their client who had turned the balance over to them. As of XX/XX/XXXX, none of the balance has been adjusted, including the portion I have proven we have paid although proof of payment has been mailed directly to National Credit Systems. \n\nI have also mailed them a letter by certified mail, which included a copy of the small claims court case for breach of contract, requesting that they postpone changing our account status to default until after we have reached a resolution between myself and their client regarding whether or not the balance turned over to collections now. \n\nAs it stands, our only remaining option is to open a payment plan account with National Credit systems and begin making payments on a balance that is in collections that we do not feel we owe since nothing we have said has convinced them to postpone changing the status of our account.","date_sent_to_company":"2019-06-27T06:05:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"303XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3288570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2019-06-27T01:01:42.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I can not confirm this amount exactly, because the agent promised to send <em>information</em> by email, then later said on XX/XX/XXXX it is against management 's policy to send any <em>information</em> in paper or email format regarding settlement amounts offered to close the 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