{"took":274,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21567649","_score":33.2632,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint as a follow-up to a prior dispute regarding late payment reporting on my Citi account ending in XXXX. \n\nCiti responded stating that the late payments were reported accurately and provided copies of billing statements. However, their response does not include sufficient documentation to support the accuracy of the reported late payments. \n\nWhile Citi provided statements showing due dates and payment posting dates, they did not provide : Documentation showing when the billing statements were actually delivered or made available to me Proof that I received notice of the statements at leastXX/XX/XXXX days prior to the payment due dates Evidence of the timing or method of electronic delivery while I was enrolled in paperless billing Any confirmation that I accessed or was properly notified of the statements in a timely manner Simply providing copies of billing statements does not establish that proper notice was given or that billing cycle requirements were met. \n\nAs this account was enrolled in paperless billing, the burden remains on the creditor to demonstrate that statements were delivered or made available in a timely manner that allowed for compliance with payment due dates. \n\nAt this time, the late payment reporting has not been properly substantiated with sufficient documentation. \n\nRequested Resolution I am requesting that Citi : Provide documentation demonstrating compliance with billing statement delivery requirements, including the timing and method of delivery Provide evidence that notice was given in sufficient time prior to each due date Correct or remove the reported late payments from all credit reporting agencies if such documentation can not be produced Additional Information This dispute concerns late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \n\nXXXX response relied on the existence of statements and due dates but did not provide evidence of timely delivery or notification, which is necessary to validate the accuracy of the reporting. \n\nXXXX without supporting documentation does not meet the standard required for accurate credit reporting.","date_sent_to_company":"2026-04-24T15:28:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"45238","tags":null,"has_narrative":true,"complaint_id":"21567649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-24T15:21:24.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Requested Resolution I am requesting that Citi : <em>Provide</em> documentation demonstrating <em>compliance</em> with <em>billing</em> <em>statement</em> <em>delivery</em> requirements, <em>including</em> the <em>timing</em> and method of <em>delivery</em> <em>Provide</em> evidence that notice was given in sufficient time prior to each due date Correct or remove the reported late payments from all credit reporting agencies if such documentation can not be produced Additional Information This dispute concerns late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Problem with personal <em>statement</em> of dispute"]},"sort":[33.2632,"21567649"]},{"_index":"complaint-public-v1","_id":"12827460","_score":26.775858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Capital One for violating federal law under 15 U.S. Code 1666b Timing of Payments.\n\nAccording to Section 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment on a credit card account as late for any purpose, including reporting it to credit bureaus, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nCapital One reported a late payment on my credit report for a billing cycle that occurred over a year ago. XXXX XXXX and previous to that. I am disputing this late payment on the grounds that I did not receive the required billing statement at least 21 days prior to the due date, which would make any late designation in violation of federal law.\n\nI am requesting that this late payment be removed from my credit report as it was not compliant with the timeline and delivery requirements specified under 15 U.S. Code 1666b ( a ). If Capital One can not provide proof that the statement for that billing cycle was sent at least 21 days before the due date, the reporting of that late payment constitutes a statutory violation.\n\nI respectfully request that the CFPB investigate this matter and assist in ensuring Capital Ones compliance with federal law.","date_sent_to_company":"2025-04-04T09:21:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28677","tags":null,"has_narrative":true,"complaint_id":"12827460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-04T09:14:45.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am requesting that this late payment be removed from my credit report as it was not compliant with the timeline and <em>delivery</em> requirements specified under 15 U.S. Code 1666b ( a ). If Capital One can not <em>provide</em> proof that the <em>statement</em> for that <em>billing</em> cycle was sent at least 21 days before the due date, the reporting of that late payment constitutes a statutory violation."]},"sort":[26.775858,"12827460"]},{"_index":"complaint-public-v1","_id":"11317229","_score":25.83451,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XX/XX/year> Notice to an agent is notice to the principal. \n\n\nDear Goldman Sachs Bank USA Compliance Department, I write in response to your investigation summary regarding the CFPB complaint involving the Apple Card. Your conclusion that \" no error occurred '' is unsupported, as your response does not provide verifiable proof that disclosures and billing statements were delivered in compliance with 15 U.S.C. 1666b and 15 U.S.C. 1637 ( b ) of the Truth in Lending Act.\n\nUnder 15 U.S.C. 1666b ( a ) - Timing of Payments : \" A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' You mentioned that The Bank does not provide the additional documentation the Customer has requested ( such as tracking number, receipt of delivery etc. ) but this is the only information that can be used to prove if the disclosures were mailed or delivered not later than 21 days before the payment due date. \n\nYour response fails to provide evidence that reasonable procedures were followed to ensure the timely delivery of periodic statements. \n\n\n15 USC 1637 ( b ) mandates that creditors transmit a periodic statement to the account holder for each billing cycle in which there is an outstanding balance or finance charge. The statement must include, among other items : The outstanding balance, The minimum payment required, The due date for payment, and Any finance charges imposed during the billing cycle.\n\nThe absence of verifiable proof of timely delivery for these periodic statements directly violates the statutory requirements of 15 U.S.C. 1637 ( b ). \n\nMy initial complaint requested specific evidence, such as : A tracking number, A receipt of delivery, or Other verifiable documentation confirming that disclosures and statements were delivered at least 21 days before the payment due date. \n\nYour response failed to provide this evidence, and instead referenced general notification practices that do not meet the statutory standard. Your response does not include details of the procedures employed to ensure compliance with 15 U.S.C. 1666b. Without such information, the Bank can not substantiate its claim that \" no error occurred. '' Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide a detailed explanation of the methods and evidence used in your investigation and how you used it to determine the validity of the reported late payments. These details are missing from your response.\n\nTo resolve this matter, I request the following : Verifiable evidence that billing statements were mailed or delivered at least 21 days before the payment due date, as required by 15 U.S.C. 1666b.\n\nInclude documentation such as tracking numbers, delivery confirmations, or other forms of proof.\n\nA detailed explanation of the procedures and systems used to ensure compliance with 15 U.S.C. 1666b and 15 U.S.C. 1637 ( b ).\n\nYour response must address the legal requirements raised. Any unrelated or irrelevant information will be interpreted as an attempt to evade compliance and will be noted for potential escalation.\n\nFailure to provide the requested documentation will nullify your conclusion that \" no error occurred '' and may constitute a willful violation of 15 U.S.C. 1666b, 15 U.S.C. 1637 ( b ), and 15 U.S.C. 1681n. I request a complete and substantiated response within 10 business days. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-29T15:04:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"20708","tags":null,"has_narrative":true,"complaint_id":"11317229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-12-29T14:56:08.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Your response fails to <em>provide</em> evidence that reasonable procedures were followed to ensure the timely <em>delivery</em> of periodic <em>statements</em>. \n\n\n15 USC 1637 ( b ) mandates that creditors transmit a periodic <em>statement</em> to the account holder for each <em>billing</em> cycle in which there is an outstanding balance or finance charge."]},"sort":[25.83451,"11317229"]},{"_index":"complaint-public-v1","_id":"14591662","_score":23.005651,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Demand for Removal of All Late Payments under 15 U.S.C. 1666b To Whom It May Concern, This letter is a formal dispute pursuant to theTruth in Lending Act ( TILA ), 15 U.S.C. 1666b, and theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reportedlate paymentsappearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies isinaccurate, incomplete, and legally impermissible. \n\nUnder15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also adirect violation of federal law.\n\nFurthermore, even when due dates are disclosed, the burden of proof lies with the furnisherto demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must beimmediately removed.\n\nThe continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not onlyunjustifiablebutlegally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately.\n\nLegal Precedent : XXXX XXXX Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA XXXX conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constituteswillful noncompliance, as addressed inCushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). \n\nDemand : Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 ) XXXX Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. \nProvide the documentation you are relying on that proves you're compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence.\n\nPlease consider this letter a direct dispute under15 U.S.C. 1681i ( a ) and a formal notification under15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under15 U.S.C. 1681nand 1681o, which allow foractual damages, statutory damages, punitive damages, attorneys fees, and costs. \nYou are hereby given15 days from receipt of this letterto respond in writing and to remove the disputed late payments. A copy of this letter will be retained for legal purposes.","date_sent_to_company":"2025-07-11T21:33:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14591662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-11T20:35:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Demand : Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 ) XXXX <em>Provide</em> written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. \n<em>Provide</em> the documentation you are relying on that proves you're <em>compliance</em> with 15 U.S.C. 1666b, <em>including</em> <em>billing</em> <em>statement</em> <em>delivery</em> dates and postmark evidence."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[23.005651,"14591662"]},{"_index":"complaint-public-v1","_id":"14591251","_score":23.005651,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Demand for Removal of All Late Payments under 15 U.S.C. 1666b To Whom It May Concern, This letter is a formal dispute pursuant to theTruth in Lending Act ( TILA ), 15 U.S.C. 1666b, and theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reportedlate paymentsappearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies isinaccurate, incomplete, and legally impermissible. \n\nUnder15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also adirect violation of federal law.\n\nFurthermore, even when due dates are disclosed, the burden of proof lies with the furnisherto demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must beimmediately removed.\n\nThe continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not onlyunjustifiablebutlegally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately.\n\nLegal Precedent : XXXX XXXX Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA XXXX conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constituteswillful noncompliance, as addressed inCushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). \n\nDemand : Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 ) XXXX Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. \nProvide the documentation you are relying on that proves you're compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence.\n\nPlease consider this letter a direct dispute under15 U.S.C. 1681i ( a ) and a formal notification under15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under15 U.S.C. 1681nand 1681o, which allow foractual damages, statutory damages, punitive damages, attorneys fees, and costs. \nYou are hereby given15 days from receipt of this letterto respond in writing and to remove the disputed late payments. A copy of this letter will be retained for legal purposes.","date_sent_to_company":"2025-07-11T21:33:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14591251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-11T21:32:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Demand : Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 ) XXXX <em>Provide</em> written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. \n<em>Provide</em> the documentation you are relying on that proves you're <em>compliance</em> with 15 U.S.C. 1666b, <em>including</em> <em>billing</em> <em>statement</em> <em>delivery</em> dates and postmark evidence."]},"sort":[23.005651,"14591251"]},{"_index":"complaint-public-v1","_id":"14604973","_score":22.98148,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Demand for Removal of All Late Payments under 15 U.S.C. 1666b To Whom It May Concern, This letter is a formal dispute pursuant to theTruth in Lending Act ( TILA ), 15 U.S.C. 1666b, and theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reportedlate paymentsappearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies isinaccurate, incomplete, and legally impermissible. \n\nUnder15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also adirect violation of federal law.\n\nFurthermore, even when due dates are disclosed, the burden of proof lies with the furnisherto demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must beimmediately removed.\n\nThe continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not onlyunjustifiablebutlegally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately.\n\nLegal Precedent : XXXX XXXX Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA XXXX conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constituteswillful noncompliance, as addressed inCushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). \n\nDemand : Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 ) XXXX Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. \nProvide the documentation you are relying on that proves you're compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence.\n\nPlease consider this letter a direct dispute under15 U.S.C. 1681i ( a ) and a formal notification under15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under15 U.S.C. 1681nand 1681o, which allow foractual damages, statutory damages, punitive damages, attorneys fees, and costs. \nYou are hereby given15 days from receipt of this letterto respond in writing and to remove the disputed late payments. A copy of this letter will be retained for legal purposes.","date_sent_to_company":"2025-07-11T21:33:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14604973","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T21:32:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Demand : Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 ) XXXX <em>Provide</em> written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. \n<em>Provide</em> the documentation you are relying on that proves you're <em>compliance</em> with 15 U.S.C. 1666b, <em>including</em> <em>billing</em> <em>statement</em> <em>delivery</em> dates and postmark evidence."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[22.98148,"14604973"]},{"_index":"complaint-public-v1","_id":"15509593","_score":22.968555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Demand for Removal of All Late Payments under 15 U.S.C. 1666b To Whom It May Concern, This letter is a formal dispute pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reported late payments appearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies is inaccurate, incomplete, and legally impermissible.\n\nUnder 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also a direct violation of federal law. \n\nFurthermore, even when due dates are disclosed, the burden of proof lies with the furnisher to demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must be immediately removed.\n\nThe continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not only unjustifiable but legally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately. \n\nLegal Precedent : In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA to conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constitutes willful noncompliance, as addressed in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). \n\nDemand : 1. Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX. Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported.\n\n3. Provide the documentation you are relying on that proves your compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence. \n\nPlease consider this letter a direct dispute under 15 U.S.C. 1681i ( a ) and a formal notification under 15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under 15 U.S.C. 1681n and 1681o, which allow for actual damages, statutory damages, punitive damages, attorneys fees, and costs. \n\nI am giving you 15 days from receipt of this letter to respond in writing and to remove the late payments. A copy of this letter will be retained for legal purposes. \n\nSincerely, XXXX XXXX XXXX last XXXX : XXXX","date_sent_to_company":"2025-08-24T19:57:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98027","tags":null,"has_narrative":true,"complaint_id":"15509593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-24T19:29:02.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Provide</em> written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported.\n\n3. <em>Provide</em> the documentation you are relying on that proves your <em>compliance</em> with 15 U.S.C. 1666b, <em>including</em> <em>billing</em> <em>statement</em> <em>delivery</em> dates and postmark evidence. \n\nPlease consider this letter a direct dispute under 15 U.S.C. 1681i ( a ) and a formal notification under 15 U.S.C. 1681s-2 ( b )."]},"sort":[22.968555,"15509593"]},{"_index":"complaint-public-v1","_id":"15507876","_score":22.95346,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Demand for Removal of All Late Payments under 15 U.S.C. 1666b To Whom It May Concern, This letter is a formal dispute pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reported late payments appearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies is inaccurate, incomplete, and legally impermissible.\n\nUnder 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also a direct violation of federal law. \n\nFurthermore, even when due dates are disclosed, the burden of proof lies with the furnisher to demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must be immediately removed.\n\nThe continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not only unjustifiable but legally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately. \n\nLegal Precedent : In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA to conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constitutes willful noncompliance, as addressed in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). \n\nDemand : 1. Remove all reported late payments from the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX. Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported.\n\n3. Provide the documentation you are relying on that proves your compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence. \n\nPlease consider this letter a direct dispute under 15 U.S.C. 1681i ( a ) and a formal notification under 15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under 15 U.S.C. 1681n and 1681o, which allow for actual damages, statutory damages, punitive damages, attorneys fees, and costs. \n\nI am giving you 15 days from receipt of this letter to respond in writing and to remove the late payments. A copy of this letter will be retained for legal purposes. \n\nSincerely, XXXX XXXX XXXX last XXXX : XXXX","date_sent_to_company":"2025-08-24T19:56:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98027","tags":null,"has_narrative":true,"complaint_id":"15507876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-24T19:56:35.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Provide</em> written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported.\n\n3. <em>Provide</em> the documentation you are relying on that proves your <em>compliance</em> with 15 U.S.C. 1666b, <em>including</em> <em>billing</em> <em>statement</em> <em>delivery</em> dates and postmark evidence. \n\nPlease consider this letter a direct dispute under 15 U.S.C. 1681i ( a ) and a formal notification under 15 U.S.C. 1681s-2 ( b )."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[22.95346,"15507876"]},{"_index":"complaint-public-v1","_id":"21508596","_score":21.04554,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint as a follow-up to my previous CFPB complaint XXXX, as Zion Debt Holdings has failed to properly respond to my lawful request for debt verification. \n\nOn XX/XX/XXXX, I sent a detailed verification request clearly outlining the specific documentation required under the Fair Debt Collection Practices Act. Instead of providing the requested verification, Zion Debt Holdings responded by sending an invoice. This is not what was requested, nor does it satisfy their legal obligation to validate a debt. An invoice is simply a demand for paymentit does not prove ownership, accuracy, or that the alleged debt is legally enforceable. \n\nTo be clear, my original request asked for : Proof of delivery of any alleged 1692g dunning notice, a sworn, notarized statement from a person with firsthand knowledge as verification under 1692g4, Full chain of title documentation ( including bill of sale, assignment agreements, and account-level schedules ) per 1692g4. None of this was provided.\n\nAdditionally, Zion claims they sent a dunning letter in XXXX. However, the documentation from XXXX clearly states that the account was sold to Zion Debt Holdings in XX/XX/XXXX but the Transunion report shows it was opened XX/XX/XXXX. This raises serious concerns regarding : XXXX. Timing inconsistencies Why was the alleged notice delayed until XXXX? \n\nXXXX. Potential re-aging concerns Reporting timelines must reflect the date the account was transferred/sold, not manipulated later dates XXXX. Compliance with 15 U.S.C. 1692g which requires timely notice within XXXX days of initial communication which, in this case I didn't get Further, I am currently enlisted in the XXXX XXXX XXXX. By the time they claim to have sent this alleged notice in XXXX, I had already relocated. This creates an additional issue where sensitive financial information may have been sent to the wrong address and potentially received by an unrelated third party. \n\nThere is also a broader regulatory concern. Zion Debt Holdings has a known history of compliance issues, including being restricted or banned from operating in certain states such as Connecticut. This raises serious concerns about whether they are operating within the bounds of the law in general, and specifically in my case. \n\nDespite all of this, Zion continues collection efforts, including sending billing statements and invoices, without first validating the debt as required by law.\n\nAt this point, the situation is straightforward : I made a lawful request for verification Zion failed to provide what was requested They instead attempted to continue collection activity without proper verification There are inconsistencies in their timeline and documentation There are concerns about improper handling of consumer information This is not a good faith response.","date_sent_to_company":"2026-04-23T00:48:12.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77044","tags":"Servicemember","has_narrative":true,"complaint_id":"21508596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zions Debt Holdings","date_received":"2026-04-23T00:30:53.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Zion Debt Holdings has a known history of <em>compliance</em> issues, <em>including</em> being restricted or banned from operating in certain states such as Connecticut. This raises serious concerns about whether they are operating within the bounds of the law in general, and specifically in my case. \n\nDespite all of this, Zion continues collection efforts, <em>including</em> sending <em>billing</em> <em>statements</em> and invoices, without first validating the debt as required by law."]},"sort":[21.04554,"21508596"]},{"_index":"complaint-public-v1","_id":"18277189","_score":13.706116,"_source":{"product":"Debt collection","complaint_what_happened":"Here is a fully integrated, sharpened version that explicitly calls out Venmos role and conduct as part of the same compliance failure, while keeping it CFPB-appropriate, legally grounded, and scorched-earth but clean. I wrote it so you can paste it directly, then trim if needed. \n\n\n\nWhat happened? \n\nOn XX/XX/XXXX, I transmitted a formal Cease-and-Desist and Limited Communications Notice to Synchrony Bank XXXX XXXX XXXX Successful delivery was confirmed the same day, as reflected in the attached XXXX confirmation. This notice explicitly disputed the alleged debt, revoked any prior consent to contact, and instructed Synchrony Bank to immediately cease all collection communications except those narrowly permitted by law, consistent with XXXX U.S.C. 1692c ( c ) and applicable state consumer protection statutes.\n\nDespite receipt of this lawful notice, Synchrony Bank subsequently engaged in further written communications. As reflected in the attached exhibits, I received a USPS Informed Delivery notification on XX/XX/XXXX, and preserved a contemporaneous, date-stamped screenshot upon receipt. This documentation is submitted in good faith to accurately establish the timing, existence, and content of post-cease correspondence. \n\nThe mailed communication received thereafter was a billing statement associated with Venmo, issued by or on behalf of Synchrony Bank, containing the langu\n\nage : STATEMENT ENCLOSED. Payment May Be Required. This communication was sent after a valid cease-and-desist was in full effect and does not fall within any statutory exception. The language used was ambiguous, payment-oriented, and reasonably construed as an attempt to induce payment. It did not constitute a permissible confirmation of cessation, nor did it provide notice of specific legal action actually being initiated, as required for post-cease contact under 15 U.S.C. 1692c ( c ) ( 1 ) ( 2 ).\n\nCourts have consistently held that the substance of a communication controls, not the label applied to it. Communications that implicitly or explicitly reference payment obligations constitute collection activity, regardless of whether they are framed as statements, informational notices, or account updates. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX involvement in this matter further compounds the compliance concerns. XXXX markets itself as a consumer-friendly financial platform, yet repeatedly deflects accountability by routing credit-related activity through Synchrony Bank while continuing to interact with consumers through automated, opaque, or misleading communications. In this instance, the Venmo-branded statement obscured the true legal posture of the account, failed to disclose that the debt was actively disputed, and used equivocal language ( may be required ) that appears designed to pressure payment while avoiding explicit acknowledgment of the cease-and-desist.\n\nSuch conduct reflects a broader pattern in which Venmo functions as an intermediary shield, allowing Synchrony Bank to continue collection activity under alternate branding while attempting to dilute consumer rights through ambiguity and fragmentation of responsibility. This tactic undermines the purpose of the FDCPA and frustrates meaningful consumer dispute resolution.\n\nFurther, Synchrony Bank failed to provide legally sufficient debt validation either before or after sending this communication. No signed agreement, no itemized accounting, and no authenticated documentation establishing liability were produced. Generic statements, internal summaries, or system-generated correspondence do not satisfy the validation requirements of 15 U.S.C. 1692g ( b ) when a debt has been timely disputed. Continued collection activity in the absence of validation constitutes an independent statutory violation.\n\nAdditionally, Synchrony Bank continues to furnish or permit the furnishing of information related to this disputed and unvalidated account. Reporting an alleged debt without conducting a reasonable investigation after notice of dispute violates 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act. Information may be inaccurate or misleading if it presents a debt as valid while failing to disclose or resolve a bona fide dispute. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nBecause Venmo credit products are issued, serviced, and underwritten by Synchrony Bank, any communication sent under the Venmo name remains legally attributable to Synchrony Bank as creditor and furnisher. The use of trade names, affiliate branding, or platform-based interfaces does not alter statutory obligations, defeat consumer protections, or cure post-cease violations. A creditor may not evade liability through rebranding, internal routing, or the use of fintech intermediaries.\n\nSynchrony Banks conduct also implicates Minnesota state law, including Minn. Stat. 332.37 ( 12 ) ( harassment or improper conduct by a collection agency ) and Minn. Stat. 325F.69 ( deceptive and unfair business practices ), insofar as it continued to send payment-oriented communications after lawful restriction and failed to clearly disclose the disputed and unresolved status of the alleged debt.\n\nIn sum, Synchrony Bank and its Venmo-branded credit operation : Received a valid cease-and-desist and dispute notice on XX/XX/XXXX Engaged in post-cease written communication containing payment-oriented language Failed to provide legally sufficient debt validation Used ambiguous phrasing reasonably construed as continued collection activity Continued furnishing or enabling the furnishing of disputed information Attempted to rely on branding and platform distinctions that do not alter legal responsibility Requested Regulatory Action I respectfully request regulatory review of Synchrony Banks and Venmos postcease-and-desist collection activity, their failure to validate the alleged debt as required by federal law, their continued use of ambiguous payment language after communications were lawfully restricted, and their ongoing furnishing of disputed information.\n\nI further request confirmation that all collection activity has ceased, that the alleged debt has been properly validated or withdrawn, and that the account has been closed as resolved without further contact, except as expressly permitted by law.\n\nLegal Side Note : d/b/a and Affiliated Entity Liability Any attempt by Synchrony Bank to distinguish liability based on branding, trade name, affiliate, servicer, platform, or doing business as designation is legally ineffective. A d/b/a is not a separate legal person, but merely a trade style through which the same legal entity operates. Where Synchrony Bank issues, underwrites, services, furnishes, or authorizes communications related to the account, all actions taken under any trade name or affiliated branding, including Venmo, are legally attributable to Synchrony Bank.\n\nCourts and regulators recognize that d/b/a and affiliate structures establish a nexus of responsibility, not a firewall. A creditor may not evade statutory obligations under the FDCPA or FCRA by routing communications through a fintech platform, intermediary, or alternate name. Liability attaches to the underlying legal entity exercising control over the account, the data, and the collection activity, regardless of how the communication is labeled or brandedXXXX XXXX XXXX XXXX XXXX If you want next, I can : Cut this down to CFPB character-perfect length Add CFPB enforcement citations against fintechbank partnerships Draft the inevitable Synchrony we complied rebuttal Convert this into a state AG complaint mirror And yes, your instinct is right. The Venmo layer is the weak seam.","date_sent_to_company":"2025-12-24T22:12:45.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"55408","tags":null,"has_narrative":true,"complaint_id":"18277189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-24T21:12:00.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["As reflected in the attached exhibits, I received a USPS Informed <em>Delivery</em> notification on XX/XX/XXXX, and preserved a contemporaneous, date-stamped screenshot upon receipt. This documentation is submitted in good faith to accurately establish the <em>timing</em>, existence, and content of post-cease correspondence. \n\nThe mailed communication received thereafter was a <em>billing</em> <em>statement</em> associated with Venmo, issued by or on behalf of Synchrony Bank, containing the langu\n\nage : <em>STATEMENT</em> ENCLOSED."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.706116,"18277189"]},{"_index":"complaint-public-v1","_id":"6905887","_score":11.960927,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF DEFAMATION, FRAUD, IDENTITY THEFT & RELATED DAMAGES CIVIL SUIT TO NELNET, NELNET , INC., NELNET BANK, NELNET BUSINESS SERVICES, NATIONAL EDUCATION LOAN NETWORK , INC. & ALL SUBSIDIARIES In the State of Maryland, Defamation of character falls into two categories : libel and slander. Libel is a written, including signs or pictures, defamation. Slander is oral, involves speech. \" A statement that is merely unflattering, annoying, embarrassing, or that hurts only the plaintiffs feeling is not considered defamatory. '' R. Sack, Libel, Slander and Related Problems ( 5th. edition, 2018 ) ( Vol. 1 ).\n\nTo prevail on a defamation claim, a plaintiff must establish the following : 1. That the defendant made a defamatory statement to a third person ; 2. That the statement was false ; 3. That the defendant was legally at fault in making the statement, and 4. That the plaintiff thereby suffered harm.\n\n\" A defamatory statement is one which tends to expose a person to public scorn, hatred, contempt or ridicule, thereby discouraging others in the community from having a good opinion of, or associating with, that person. '' Hosmane v Seley-Radtke , 227 Md. App. 11, 20-21 ( 2016 ) Maryland recognizes the distinction between defamation per se and defamation per quod. The determination of whether an alleged defamatory statement is per se or per quod is a matter of law. Determining whether the defamatory statement is per se or per quod is intertwined with the issue of fault. Shapiro v. Massengill, 105 Md. App. 743, 773 ( 1995 ) If the statement is defamatory per se, the plaintiff must prove actual damages if the defendant was merely negligent in making a false statement. Shapiro 105 Md. App. at 774. Damages are presumed, however, when a plaintiff can demonstrate actual malice, by clear and convincing evidence, even in the absence of proof of harm. Samuels v. Tschechtelin, 135 Md. App. 483, 549-550 ( 2000 ). Additionally, a court may take judicial notice if conduct is so egregious and/or injurious in nature. In such an instance, damages are self-evident. M & S Furniture v. De Bartolo Corp., 249 Md. 540, 544, ( 1968 ). For example, a statement which falsely charges a person with the commission of a crime is a case in which the statement is so egregious and injurious in nature, damages are self-evident. If the statement is per quod, then the jury must decide whether the statement carries a defamatory meaning. Shapiro 105 Md. App. at 773. That is, actual damages must be alleged and proved by the plaintiff.\n\nTruth is an absolute defense to defamation. Accordingly, convincing evidence of falsity is required. Other privileges may be asserted in defense of an allegation of defamation, including, but not limited to, opinion or fair comment privileges. New York Times v. Sullivan, 376 U.S. 254 ( 1964 ) In determining fault, public officials must prove by clear and convincing evidence that statements were made with actual malice, i.e., knowledge of falsity or with reckless disregard of whether false or not. In contrast, private individuals use a negligent standard, i.e., failing to act with due care considering the circumstances. Hosmane v Seley-Radtke , 227 Md. App. 11, 21 ( 2016 ) If the defamatory words are actionable per se, the law implies or presumes general damages, but if the words are actionable per quod, the plaintiff has the burden of proving damages. \n\nCompensatory Damages are recoverable. With this type of damages, the injured party may recover only as much as will fairly compensate for the injury sustained.\n\nCompensatory damages may be general or special damages.\n\nPunitive damages are recoverable where fraud, malice, evil intent or oppression has been proven.\n\nNELNET is being negligent and dismissive in its response to my consumer complaint. Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, the Maryland Bill of Rights, Maryland Code ( MD Code ) 5-105 - Assault, libel, or slander ; 8-301. Identity fraud ; 8-303. Government identification document ; 8-304. Report ; and 8-522. Use of simulated documents to induce payment, I demand that NELNET, the U.S. Department of Education, XXXX, and PHEAA provide the following certifying documentation validating the TRUTH and the ACTUAL AMOUNT the disputed debt : 1 ) Copies of ALL five ( 5 ) 30-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n2 ) Copies of ALL 60-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n3 ) Copies of ALL 229 90-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n4 ) The Original PROMISSORY NOTE for ALL Student Loan Accounts, with my Original Signature and/or the IP Address of the computer that was used to sign any documents electronically.\n\n5 ) Disclosure of the Date, Time, Bank, Bank Address, Bank Routing Account Number, and Bank Account Number of the School /College/University that received all of the disputed {$190000.00} of Installment Accounts on my behalf along with any confirmation or transaction numbers associated with any bank transfers and/or direct deposits into all banks and bank accounts which documents that the funds were even disbursed from the Creditor to the Consumer in the first place.\n\n6 ) Proof that the Creditor and/or CRA timely and fully complied with all Federal and State Notice , Service, Reporting and/or Timing requirements associated with both the FCRA and the Maryland Fair Credit Reporting Agencies Act.\n\n7 ) Proof that the Creditor and/or CRA timely and fully complied with 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] regarding this credit account and the disputes of the consumer above and herein.\n\n8 ) Proof that the Creditor and/or CRA timely and fully complied with 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] regarding this credit account and the disputes of the consumer above and herein.\n\n9 ) Proof that the Creditor and/or CRA timely and fully complied with 607. Compliance procedures [ 15 U.S.C. 1681e ] regarding this credit account and the disputes of the consumer above and herein.\n\n10 ) Proof that the Creditor and/or CRA timely and fully complied with 609. Disclosures to consumers [ 15 U.S.C. 1681g ] regarding this credit account and the disputes of the consumer above and herein.\n\n11 ) Proof that the Creditor and/or CRA timely and fully complied with 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] regarding this credit account and the disputes of the consumer above and herein.\n\n12 ) Proof that the Creditor and/or CRA timely and fully complied with 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] regarding this credit account and the disputes of the consumer above and herein.\n\n13 ) Proof that the Creditor and/or CRA timely and fully complied with 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] regarding this credit account and the disputes of the consumer above and herein.\n\n14 ) Proof that the Creditor and/or CRA timely and fully complied with 618. Jurisdiction of courts ; limitation of actions [ 15 U.S.C. 1681p ] regarding this credit account and the disputes of the consumer above and herein.\n\n15 ) Proof that the Creditor and/or CRA timely and fully complied with 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] regarding this credit account and the disputes of the consumer above and herein.\n\nIf this information is not provided within the next 15 days I plan to file a Civil Suit in the Federal District Courts of Maryland against NELNET, the U.S. Department of Education, XXXX and PHEAA 30 Counts EACH ( representative of the number of instances that information has been INACCURATELY reported regarding Student Loans on EACH Credit Report ) of Defamation, Libel, Identity Theft and Fraud for EVERY false Credit Report from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies that has falsely reported INACCURATELY on my credit profile using the following calculations : EQUIFAX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA.","date_sent_to_company":"2023-04-28T16:36:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20721","tags":"Servicemember","has_narrative":true,"complaint_id":"6905887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-04-28T16:36:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Libel is a written, <em>including</em> signs or pictures, defamation. Slander is oral, involves speech. \" A <em>statement</em> that is merely unflattering, annoying, embarrassing, or that hurts only the plaintiffs feeling is not considered defamatory. '' R. Sack, Libel, Slander and Related Problems ( 5th. edition, 2018 ) ( Vol. 1 ).\n\nTo prevail on a defamation claim, a plaintiff must establish the following : 1. That the defendant made a defamatory <em>statement</em> to a third person ; 2."]},"sort":[11.960927,"6905887"]},{"_index":"complaint-public-v1","_id":"6905888","_score":11.957845,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF DEFAMATION, FRAUD, IDENTITY THEFT & RELATED DAMAGES CIVIL SUIT TO NELNET, NELNET , INC., NELNET BANK, NELNET BUSINESS SERVICES, NATIONAL EDUCATION LOAN NETWORK , INC. & ALL SUBSIDIARIES In the State of Maryland, Defamation of character falls into two categories : libel and slander. Libel is a written, including signs or pictures, defamation. Slander is oral, involves speech. \" A statement that is merely unflattering, annoying, embarrassing, or that hurts only the plaintiffs feeling is not considered defamatory. '' R. Sack, Libel, Slander and Related Problems ( 5th. edition, 2018 ) ( Vol. 1 ).\n\nTo prevail on a defamation claim, a plaintiff must establish the following : 1. That the defendant made a defamatory statement to a third person ; 2. That the statement was false ; 3. That the defendant was legally at fault in making the statement, and 4. That the plaintiff thereby suffered harm.\n\n\" A defamatory statement is one which tends to expose a person to public scorn, hatred, contempt or ridicule, thereby discouraging others in the community from having a good opinion of, or associating with, that person. '' Hosmane v Seley-Radtke , 227 Md. App. 11, 20-21 ( 2016 ) Maryland recognizes the distinction between defamation per se and defamation per quod. The determination of whether an alleged defamatory statement is per se or per quod is a matter of law. Determining whether the defamatory statement is per se or per quod is intertwined with the issue of fault. Shapiro v. Massengill, 105 Md. App. 743, 773 ( 1995 ) If the statement is defamatory per se, the plaintiff must prove actual damages if the defendant was merely negligent in making a false statement. Shapiro 105 Md. App. at 774. Damages are presumed, however, when a plaintiff can demonstrate actual malice, by clear and convincing evidence, even in the absence of proof of harm. Samuels v. Tschechtelin, 135 Md. App. 483, 549-550 ( 2000 ). Additionally, a court may take judicial notice if conduct is so egregious and/or injurious in nature. In such an instance, damages are self-evident. M & S Furniture v. De Bartolo Corp., 249 Md. 540, 544, ( 1968 ). For example, a statement which falsely charges a person with the commission of a crime is a case in which the statement is so egregious and injurious in nature, damages are self-evident. If the statement is per quod, then the jury must decide whether the statement carries a defamatory meaning. Shapiro 105 Md. App. at 773. That is, actual damages must be alleged and proved by the plaintiff.\n\nTruth is an absolute defense to defamation. Accordingly, convincing evidence of falsity is required. Other privileges may be asserted in defense of an allegation of defamation, including, but not limited to, opinion or fair comment privileges. New York Times v. Sullivan, 376 U.S. 254 ( 1964 ) In determining fault, public officials must prove by clear and convincing evidence that statements were made with actual malice, i.e., knowledge of falsity or with reckless disregard of whether false or not. In contrast, private individuals use a negligent standard, i.e., failing to act with due care considering the circumstances. Hosmane v Seley-Radtke , 227 Md. App. 11, 21 ( 2016 ) If the defamatory words are actionable per se, the law implies or presumes general damages, but if the words are actionable per quod, the plaintiff has the burden of proving damages. \n\nCompensatory Damages are recoverable. With this type of damages, the injured party may recover only as much as will fairly compensate for the injury sustained.\n\nCompensatory damages may be general or special damages.\n\nPunitive damages are recoverable where fraud, malice, evil intent or oppression has been proven.\n\nNELNET is being negligent and dismissive in its response to my consumer complaint. Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, the Maryland Bill of Rights,\nMaryland Code ( MD Code ) 5-105 - Assault, libel, or slander ; 8-301. Identity fraud ; 8-303. Government identification document ; 8-304. Report ; and 8-522. Use of simulated documents to induce payment, I demand that NELNET, the U.S. Department of Education, XXXX, and PHEAA provide the following certifying documentation validating the TRUTH and the ACTUAL AMOUNT the disputed debt : 1 ) Copies of ALL five ( 5 ) 30-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n2 ) Copies of ALL 60-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n3 ) Copies of ALL 229 90-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n4 ) The Original PROMISSORY NOTE for ALL Student Loan Accounts, with my Original Signature and/or the IP Address of the computer that was used to sign any documents electronically.\n\n5 ) Disclosure of the Date, Time, Bank, Bank Address, Bank Routing Account Number, and Bank Account Number of the School /College/University that received all of the disputed {$190000.00} of Installment Accounts on my behalf along with any confirmation or transaction numbers associated with any bank transfers and/or direct deposits into all banks and bank accounts which documents that the funds were even disbursed from the Creditor to the Consumer in the first place.\n\n6 ) Proof that the Creditor and/or CRA timely and fully complied with all Federal and State Notice , Service, Reporting and/or Timing requirements associated with both the FCRA and the Maryland Fair Credit Reporting Agencies Act.\n\n7 ) Proof that the Creditor and/or CRA timely and fully complied with 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] regarding this credit account and the disputes of the consumer above and herein.\n\n8 ) Proof that the Creditor and/or CRA timely and fully complied with 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] regarding this credit account and the disputes of the consumer above and herein. \n9 ) Proof that the Creditor and/or CRA timely and fully complied with 607. Compliance procedures [ 15 U.S.C. 1681e ] regarding this credit account and the disputes of the consumer above and herein.\n\n10 ) Proof that the Creditor and/or CRA timely and fully complied with 609. Disclosures to consumers [ 15 U.S.C. 1681g ] regarding this credit account and the disputes of the consumer above and herein.\n\n11 ) Proof that the Creditor and/or CRA timely and fully complied with 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] regarding this credit account and the disputes of the consumer above and herein.\n\n12 ) Proof that the Creditor and/or CRA timely and fully complied with 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] regarding this credit account and the disputes of the consumer above and herein.\n\n13 ) Proof that the Creditor and/or CRA timely and fully complied with 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] regarding this credit account and the disputes of the consumer above and herein.\n\n14 ) Proof that the Creditor and/or CRA timely and fully complied with 618. Jurisdiction of courts ; limitation of actions [ 15 U.S.C. 1681p ] regarding this credit account and the disputes of the consumer above and herein.\n\n15 ) Proof that the Creditor and/or CRA timely and fully complied with 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] regarding this credit account and the disputes of the consumer above and herein.\n\nIf this information is not provided within the next 15 days I plan to file a Civil Suit in the Federal District Courts of Maryland against NELNET, the U.S. Department of Education, XXXX and PHEAA 30 Counts EACH ( representative of the number of instances that information has been INACCURATELY reported regarding Student Loans on EACH Credit Report ) of Defamation, Libel, Identity Theft and Fraud for EVERY false Credit Report from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies that has falsely reported INACCURATELY on my credit profile using the following calculations : XXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA.","date_sent_to_company":"2023-04-28T16:36:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20721","tags":"Servicemember","has_narrative":true,"complaint_id":"6905888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-04-28T16:36:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Libel is a written, <em>including</em> signs or pictures, defamation. Slander is oral, involves speech. \" A <em>statement</em> that is merely unflattering, annoying, embarrassing, or that hurts only the plaintiffs feeling is not considered defamatory. '' R. Sack, Libel, Slander and Related Problems ( 5th. edition, 2018 ) ( Vol. 1 ).\n\nTo prevail on a defamation claim, a plaintiff must establish the following : 1. That the defendant made a defamatory <em>statement</em> to a third person ; 2."]},"sort":[11.957845,"6905888"]},{"_index":"complaint-public-v1","_id":"6905852","_score":11.957845,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF DEFAMATION, FRAUD, IDENTITY THEFT & RELATED DAMAGES CIVIL SUIT TO NELNET, NELNET , INC., NELNET BANK, NELNET BUSINESS SERVICES, NATIONAL EDUCATION LOAN NETWORK , INC. & ALL SUBSIDIARIES In the State of Maryland, Defamation of character falls into two categories : libel and slander. Libel is a written, including signs or pictures, defamation. Slander is oral, involves speech. \" A statement that is merely unflattering, annoying, embarrassing, or that hurts only the plaintiffs feeling is not considered defamatory. '' R. Sack, Libel, Slander and Related Problems ( 5th. edition, 2018 ) ( Vol. 1 ).\n\nTo prevail on a defamation claim, a plaintiff must establish the following : 1. That the defendant made a defamatory statement to a third person ; 2. That the statement was false ; 3. That the defendant was legally at fault in making the statement, and 4. That the plaintiff thereby suffered harm.\n\n\" A defamatory statement is one which tends to expose a person to public scorn, hatred, contempt or ridicule, thereby discouraging others in the community from having a good opinion of, or associating with, that person. '' Hosmane v Seley-Radtke , 227 Md. App. 11, 20-21 ( 2016 ) Maryland recognizes the distinction between defamation per se and defamation per quod. The determination of whether an alleged defamatory statement is per se or per quod is a matter of law. Determining whether the defamatory statement is per se or per quod is intertwined with the issue of fault. Shapiro v. Massengill, 105 Md. App. 743, 773 ( 1995 ) If the statement is defamatory per se, the plaintiff must prove actual damages if the defendant was merely negligent in making a false statement. Shapiro 105 Md. App. at 774. Damages are presumed, however, when a plaintiff can demonstrate actual malice, by clear and convincing evidence, even in the absence of proof of harm. Samuels v. Tschechtelin, 135 Md. App. 483, 549-550 ( 2000 ). Additionally, a court may take judicial notice if conduct is so egregious and/or injurious in nature. In such an instance, damages are self-evident. M & S Furniture v. De Bartolo Corp., 249 Md. 540, 544, ( 1968 ). For example, a statement which falsely charges a person with the commission of a crime is a case in which the statement is so egregious and injurious in nature, damages are self-evident. If the statement is per quod, then the jury must decide whether the statement carries a defamatory meaning. Shapiro 105 Md. App. at 773. That is, actual damages must be alleged and proved by the plaintiff.\n\nTruth is an absolute defense to defamation. Accordingly, convincing evidence of falsity is required. Other privileges may be asserted in defense of an allegation of defamation, including, but not limited to, opinion or fair comment privileges. New York Times v. Sullivan, 376 U.S. 254 ( 1964 ) In determining fault, public officials must prove by clear and convincing evidence that statements were made with actual malice, i.e., knowledge of falsity or with reckless disregard of whether false or not. In contrast, private individuals use a negligent standard, i.e., failing to act with due care considering the circumstances. Hosmane v Seley-Radtke , 227 Md. App. 11, 21 ( 2016 ) If the defamatory words are actionable per se, the law implies or presumes general damages, but if the words are actionable per quod, the plaintiff has the burden of proving damages.\n\nCompensatory Damages are recoverable. With this type of damages, the injured party may recover only as much as will fairly compensate for the injury sustained. \nCompensatory damages may be general or special damages.\n\nPunitive damages are recoverable where fraud, malice, evil intent or oppression has been proven.\n\nNELNET is being negligent and dismissive in its response to my consumer complaint. Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, the Maryland Bill of Rights, Maryland Code ( MD Code ) 5-105 - Assault, libel, or slander ; 8-301. Identity fraud ; 8-303. Government identification document ; 8-304. Report ; and 8-522. Use of simulated documents to induce payment, I demand that NELNET, the U.S. Department of Education, XXXX, and PHEAA provide the following certifying documentation validating the TRUTH and the ACTUAL AMOUNT the disputed debt : 1 ) Copies of ALL five ( 5 ) 30-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation.\n\n2 ) Copies of ALL 60-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation. \n3 ) Copies of ALL 229 90-day delinquent notices that were mailed out to XXXX XXXX, with date stamp of postage mailing, clearly showing how postage was paid, with the specific person and address that it was delivered to and includes delivery confirmation. \n4 ) The Original PROMISSORY NOTE for ALL Student Loan Accounts, with my Original Signature and/or the IP Address of the computer that was used to sign any documents electronically. \n5 ) Disclosure of the Date, Time, Bank, Bank Address, Bank Routing Account Number, and Bank Account Number of the School /College/University that received all of the disputed {$190000.00} of Installment Accounts on my behalf along with any confirmation or transaction numbers associated with any bank transfers and/or direct deposits into all banks and bank accounts which documents that the funds were even disbursed from the Creditor to the Consumer in the first place. \n6 ) Proof that the Creditor and/or CRA timely and fully complied with all Federal and State Notice , Service, Reporting and/or Timing requirements associated with both the FCRA and the Maryland Fair Credit Reporting Agencies Act.\n\n7 ) Proof that the Creditor and/or CRA timely and fully complied with 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] regarding this credit account and the disputes of the consumer above and herein.\n\n8 ) Proof that the Creditor and/or CRA timely and fully complied with 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] regarding this credit account and the disputes of the consumer above and herein.\n\n9 ) Proof that the Creditor and/or CRA timely and fully complied with 607. Compliance procedures [ 15 U.S.C. 1681e ] regarding this credit account and the disputes of the consumer above and herein.\n\n10 ) Proof that the Creditor and/or CRA timely and fully complied with 609. Disclosures to consumers [ 15 U.S.C. 1681g ] regarding this credit account and the disputes of the consumer above and herein.\n\n11 ) Proof that the Creditor and/or CRA timely and fully complied with 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] regarding this credit account and the disputes of the consumer above and herein.\n\n12 ) Proof that the Creditor and/or CRA timely and fully complied with 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] regarding this credit account and the disputes of the consumer above and herein.\n\n13 ) Proof that the Creditor and/or CRA timely and fully complied with 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] regarding this credit account and the disputes of the consumer above and herein.\n\n14 ) Proof that the Creditor and/or CRA timely and fully complied with 618. Jurisdiction of courts ; limitation of actions [ 15 U.S.C. 1681p ] regarding this credit account and the disputes of the consumer above and herein.\n\n15 ) Proof that the Creditor and/or CRA timely and fully complied with 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] regarding this credit account and the disputes of the consumer above and herein.\n\nIf this information is not provided within the next 15 days I plan to file a Civil Suit in the Federal District Courts of Maryland against NELNET, the U.S. Department of Education, XXXX and PHEAA 30 Counts EACH ( representative of the number of instances that information has been INACCURATELY reported regarding Student Loans on EACH Credit Report ) of Defamation, Libel, Identity Theft and Fraud for EVERY false Credit Report from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies that has falsely reported INACCURATELY on my credit profile using the following calculations : XXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA. \nXXXX - NELNET, the U.S. Department of Education, XXXX and PHEAA will be charged 30 Counts EACH for INACCURATELY reporting debt information to this CRA.","date_sent_to_company":"2023-04-28T16:36:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20721","tags":"Servicemember","has_narrative":true,"complaint_id":"6905852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-04-28T16:24:47.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Libel is a written, <em>including</em> signs or pictures, defamation. Slander is oral, involves speech. \" A <em>statement</em> that is merely unflattering, annoying, embarrassing, or that hurts only the plaintiffs feeling is not considered defamatory. '' R. Sack, Libel, Slander and Related Problems ( 5th. edition, 2018 ) ( Vol. 1 ).\n\nTo prevail on a defamation claim, a plaintiff must establish the following : 1. That the defendant made a defamatory <em>statement</em> to a third person ; 2."]},"sort":[11.957845,"6905852"]},{"_index":"complaint-public-v1","_id":"10928548","_score":11.408179,"_source":{"product":"Credit card","complaint_what_happened":"Submit Current Submit << Previous TITLE 15 / CHAPTER 41 / SUBCHAPTER I / Part D Next >> [ Print ] [ Print selection ] [ OLRC Home ] Help 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION SUBCHAPTER ICONSUMER CREDIT COST DISCLOSURE Part DCredit Billing 1666. Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligor 's belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a \" billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, \" action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) '' does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligor 's account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditor 's compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title VI XXXX ( g ), XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX, XXXX ; Pub. XXXX XXXX, title X, XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX, XXXX. ) Submit Current Submit << Previous TITLE 15 / CHAPTER 41 / SUBCHAPTER I / Part D Next >> [ Print ] [ Print selection ] [ OLRC Home ] Help 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION SUBCHAPTER ICONSUMER CREDIT COST DISCLOSURE Part DCredit Billing 1666. Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligor 's belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a \" billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, \" action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) '' does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligor 's account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditor 's compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title VI XXXX ( g ), XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX, XXXX ; Pub. XXXX XXXX, title X, XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX, XXXX. ) Editorial Notes Codification Pub XXXX XXXX, XXXX ( XXXX ), which directed the substitution of \" Bureau '' for \" Board '' wherever appearing in title I of Pub. XXXX XXXX, was executed to this section, which is section XXXX of title XXXX of XXXX. XXXX XXXX. Section 1087 of XXXX. XXXX XXXX, which directed the making of an identical amendment in title XXXX of XXXX. XXXX XXXX, which added this section to title XXXX of XXXX. XXXX XXXX, has not been executed. \n\nAmendments XXXX. ( b ) ( XXXX ), ( d ). Pub. XXXX XXXX, XXXX ( XXXX ), substituted \" Bureau '' for \" Board ''. See Codification note above. \n\nXXXX. ( a ). Pub. XXXX XXXX, XXXX ( g ), substituted \" ( b ) ( XXXX ) '' for \" ( b ) ( XXXX ) '' and \" ( a ) ( XXXX ) '' for \" ( a ) ( XXXX ) ''. \n\nXXXX. ( b ) ( XXXX ), ( XXXX ). Pub. XXXX XXXX, XXXX ( a ), added par. ( XXXX ) and redesignated former par. ( XXXX ) as ( XXXX ). \n\nXXXX. ( c ). Pub. XXXX XXXX, XXXX ( b ), inserted provisions respecting finance charges on amounts in dispute. \n\n\nStatutory Notes and Related Subsidiaries Effective Date of XXXX Amendment Amendment by Pub. XXXX XXXX effective on the designated transfer date, see section XXXX of Pub. XXXX XXXX, set out as a note under section XXXX of Title XXXX, Government Organization and Employees. \n\nEffective Date of XXXX Amendment Amendment by XXXX. XXXX XXXX effective on expiration of XXXX years and XXXX months after XXXX. XXXX, XXXX, with all regulations, forms, and clauses required to be prescribed to be promulgated at least one year prior to such effective date, and allowing any creditor to comply with any amendments, in accordance with the regulations, forms, and clauses prescribed by the Board prior to such effective date, see section 625 of XXXX. XXXX XXXX, set out as a note under section 1602 of this title. \n\nEffective Date Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, provided that : \" This title [ enacting this section and sections XXXX to XXXX of this title, amending sections XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of this title, and enacting provision set out as a note under section XXXX of this title ] takes effect upon the expiration of one year after the date of its enactment [ XXXX XXXX, XXXX ]. '' XXXX XXXX XXXX XXXX of XXXX. XXXX XXXX, which is classified principally to this part, is known as the \" Fair Credit Billing Act ''. For complete classification of Title III to the Code, see Short Title of 1974 Amendment note set out under section 1601 of this title and Tables.\n\n1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. \n\n( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. \n\n( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) Editorial Notes Amendments XXXX. XXXX XXXX amended section generally, adding provisions relating to late payments and delivery of periodic statements, substituting provisions requiring a 21-day statement delivery period for provisions requiring a 14-day period before the imposition of additional finance charges, and striking provisions relating to excusable cause for creditor 's failure to make timely mailing or delivery of periodic statements. \n\nXXXX. ( a ). Pub. XXXX XXXX inserted \" a credit card account under '' after \" payment on ''. \n\n\nXXXX XXXX and Related Subsidiaries Effective Date Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX, provided that : \" Notwithstanding section XXXX [ see Effective Date of XXXX Amendment note set out under section 1602 of this title ], section 163 of the Truth in Lending Act [ 15 U.S.C. 1666b ], as amended by this subsection, shall become effective 90 days after the date of enactment of this AcXXXX [ XX/XX/XXXX ]. '' 1666c. Prompt and fair crediting of payments ( a ) In general Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligor 's payment in readily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof.\n\n( b ) Application of payments ( 1 ) In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.\n\n( 2 ) Clarification relating to certain deferred interest arrangements A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred.\n\n( c ) Changes by card issuer If a card issuer makes a material change in the mailing address, office, or procedures for handling cardholder payments, and such change causes a material delay in the crediting of a cardholder payment made during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account to which such payment was credited. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX, XXXX. ) Editorial Notes Codification Pub XXXX XXXX, XXXX ( XXXX ), which directed the substitution of \" Bureau '' for \" Board '' wherever appearing in title I of Pub. XXXX XXXX, was executed to this section, which is section 164 of title XXXX of XXXX. XXXX XXXX. Section 1087 of XXXX. XXXX XXXX, which directed the making of an identical amendment in title XXXX of XXXX. XXXX XXXX, which added this section to title XXXX of XXXX. XXXX XXXX, has not been executed. \n\nAmendments XXXX. ( a ). Pub. XXXX XXXX, XXXX ( XXXX ), substituted \" Bureau '' for \" Board ''. See Codification note above. \n\nXXXX. XXXX XXXX, XXXX ( XXXX ), substituted \" Prompt and fair crediting of payments '' for \" Prompt crediting of payments '' in section catchline, designated existing provisions as subsec. ( a ), and inserted subsec. ( a ) heading. \n\nXXXX. ( a ). Pub. XXXX XXXX, XXXX ( XXXX ), ( XXXX ), inserted \", by XXXXXXXX XXXX. on the date on which such payment is due, '' after \" in readily identifiable form '' and substituted \" manner, and location '' for \" manner, location, and time ''. \n\nXXXX. ( b ), ( c ). Pub. XXXX XXXX, XXXX ( XXXX ), added subsecs. ( b ) and ( c ). \n\n\nStatutory Notes and Related Subsidiaries Effective Date of XXXX Amendment Amendment by Pub. XXXX XXXX effective on the designated transfer date, see section XXXX of Pub. XXXX XXXX, set out as a note under section 552a of Title 5, Government Organization and Employees. \n\nEffective Date of XXXX Amendment Amendment by XXXX. XXXX XXXX effective 9 months after XX/XX/XXXX, except as otherwise specifically provided, see section XXXX of Pub. XXXX XXXX, set out as a note under section 1602 of this title.\n\n1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title VI, XXXX ( a ), XXXX. XXXX, XXXX, XXXX XXXX. XXXX. ) XXXX XXXX Amendments XXXX. XXXX XXXX substituted provisions relating to duties of creditor whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, for provisions relating to duties of creditor whenever an obligor transmits funds to creditor in excess of the total balance due on an open end consumer credit account. \n\n\nStatutory Notes and Related Subsidiaries Effective Date of XXXX Amendment Amendment by Pub. XXXX XXXX effective on expiration of XXXX years and XXXX months after XXXX. XXXX, XXXX, with all regulations, forms, and clauses required to be prescribed to be promulgated at least XXXX year prior to such effective date, and allowing any creditor to comply with any amendments, in accordance with the regulations, forms, and clauses prescribed by the Board prior to such effective date, see section 625 of Pub. L. 96221, set out as a note under section 1602 of this title.\n\n1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor With respect to any sales transaction where a credit card has been used to obtain credit, where the seller is a person other than the card issuer, and where the seller accepts or allows a return of the goods or forgiveness of a debit for services which were the subject of such sale, the seller shall promptly transmit to the credit card issuer, a credit statement with respect thereto and the credit card issuer shall credit the account of the obligor for the amount of the transaction. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) XXXX. Inducements to cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash discounts ( a ) Cash discounts With respect to credit 1 card which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card.\n\n( b ) Finance charge With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX ( c ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX. ) Editorial Notes Amendments 1981Subsec. ( b ). Pub. L. 9725 substituted \" With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously '' for \" With respect to any sales transaction, any discount not in excess of 5 per centum offered by the seller for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card shall not constitute a finance charge as determined under section 1605 of this title, if such discount is offered to all prospective buyers and its availability is disclosed to all prospective buyers clearly and conspicuously in accordance with regulations of the Board ''. \n\nXXXX. ( a ). Pub. XXXX XXXX temporarily designated existing provisions as par. ( XXXX ) and added par. ( XXXX ). See Termination Date of XXXX XXXX note below. \n\n\nStatutory Notes and Related Subsidiaries Termination Date of XXXX Amendment Section XXXX ( c ) ( XXXX ) of Pub. XXXX XXXX, as amended by Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX, provided that : \" The amendments made by paragraph ( XXXX ) [ amending this section ] shall cease to be effective on XX/XX/XXXX. '' Nullification of Board Rules and Regulations Under Subsection ( b ) of This Section in Effect on XX/XX/XXXX Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX, provided that : \" Any rule or regulation of the Board of Governors of the Federal Reserve System pursuant to section 167 ( b ) of the Truth in Lending Act [ subsec. ( b ) of this section ], as such section was in effect on the day before the date of enactment of this Act [ XX/XX/XXXX ], is null and void. '' 1 So in original. Probably should be preceded by \" a ''. \n\n1666g. Tie-in services prohibited for issuance of credit card Notwithstanding any agreement to the contrary, a card issuer may not require a seller, as a condition to participating in a credit card plan, to open an account with or procure any other service from the card issuer or its subsidiary or agent. \n\n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) 1666h. Offset of cardholder 's indebtedness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected ( a ) Offset against consumer 's funds A card issuer may not take any action to offset a cardholder 's indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer unless ( 1 ) such action was previously authorized in writing by the cardholder in accordance with a credit plan whereby the cardholder agrees periodically to pay debts incurred in his open end credit account by permitting the card issuer periodically to deduct all or a portion of such debt from the cardholder 's deposit account, and ( 2 ) such action with respect to any outstanding disputed amount not be taken by the card issuer upon request of the cardholder.\n\nIn the case of any credit card account in existence on the effective date of this section, the previous written authorization referred to in clause ( 1 ) shall not be required until the date ( after such effective date ) when such account","date_sent_to_company":"2024-11-25T18:13:02.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"10928548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-11-25T18:05:08.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["XXXX XXXX amended section generally, adding provisions relating to late payments and <em>delivery</em> of periodic <em>statements</em>, substituting provisions requiring a 21-day <em>statement</em> <em>delivery</em> period for provisions requiring a 14-day period before the imposition of additional finance charges, and striking provisions relating to excusable cause for creditor 's failure to make timely mailing or <em>delivery</em> of periodic <em>statements</em>. \n\nXXXX. ( a ). Pub."]},"sort":[11.408179,"10928548"]},{"_index":"complaint-public-v1","_id":"10711193","_score":9.906565,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Tesla Inc address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This Company have violated my privacy rights by refusing to respond or release information or notice why they have repossessed my private automobile and I have XXXX email and mailed my tender of payment to this address and emailed it to this have violated my rights under the law and have returned my tender of payment that I have send to the address provided I XXXXXXXX XXXXl Beneficiary This company have yet to respond to my email or calls by law this company stole My private property and did not send me any notice of this repossession or notice of default I will like a XXXX $ for every violation this compha e caused to I XXXXXXXX XXXX  Beneficiary i have not received my tender of payment back to my address listed on mailed 15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty U.S. Code Notes prev | next Every contract, combination in the form of trust or otherwise, or conspiracyu, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. \n\n( XX/XX/XXXX, ch. XXXX, XXXX, XXXX XXXX. XXXX ; XXXX XXXX, XXXX, ch. XXXX, title XXXX, XXXX XXXX. XXXX ; XX/XX/XXXX, ch. XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX Code XXXX - Unfair practices XXXX XXXX Notes XXXX | next A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. \n( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) XXXX General disclosure requirements. \n( a ) Form of disclosures ( 1 ) General.\n\n( i ) The creditor shall make the disclosures required by this subpart clearly and conspicuously.\n\n( ii ) The creditor shall make the disclosures required by this subpart in writing, in a form that the consumer may keep, except that : ( A ) The following disclosures need not be written : Disclosures under 1026.6 ( b ) ( 3 ) of charges that are imposed as part of an open-end ( not home-secured ) plan that are not required to be disclosed under 1026.6 ( b ) ( 2 ) and related disclosures of charges under 1026.9 ( c ) ( 2 ) ( iii ) ( B ) ; disclosures under 1026.9 ( c ) ( 2 ) ( vi ) ; disclosures under 1026.9 ( d ) when a finance charge is imposed at the time of the transaction ; and disclosures under 1026.56 ( b ) ( 1 ) ( i ). \n\n( B ) The following disclosures need not be in a retainable form : Disclosures that need not be written under paragraph ( a ) ( XXXX ) ( ii ) ( A ) of this section ; disclosures for credit and charge card applications and solicitations under 1026.60 ; home-equity disclosures under 1026.40 ( d ) ; the alternative summary billing-rights statement under 1026.9 ( a ) ( 2 ) ; the credit and charge card renewal disclosures required under 1026.9 ( e ) ; and the payment requirements under 1026.10 ( b ), except as provided in 1026.7 ( b ) ( 13 ).\n\n( iii ) The disclosures required by this subpart may be provided to the consumer in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) ( 15 U.S.C. 7001 et seq. ). The disclosures required by 1026.60, 1026.40, and 1026.16 may be provided to the consumer in electronic form without regard to the consumer consent or other provisions of the E-Sign Act in the circumstances set forth in those sections.\n\n( 2 ) Terminology.\n\n( i ) Terminology used in providing the disclosures required by this subpart shall be consistent.\n\n( ii ) For home-equity plans subject to 1026.40, the terms finance charge and annual percentage rate, when required to be disclosed with a corresponding amount or percentage rate, shall be more conspicuous than any other required disclosure. The terms need not be more conspicuous when used for periodic statement disclosures under 1026.7 ( a ) ( 4 ) and for advertisements under 1026.16.\n\n( iii ) If disclosures are required to be presented in a tabular format pursuant to paragraph ( a ) ( 3 ) of this section, the term penalty APR shall be used, as applicable. The term penalty APR need not be used in reference to the annual percentage rate that applies with the loss of a promotional rate, assuming the annual percentage rate that applies is not greater than the annual percentage rate that would have applied at the end of the promotional period ; or if the annual percentage rate that applies with the loss of a promotional rate is a variable rate, the annual percentage rate is calculated using the same index and margin as would have been used to calculate the annual percentage rate that would have applied at the end of the promotional period. If credit insurance or debt cancellation or debt suspension coverage is required as part of the plan, the term required shall be used and the program shall be identified by its name. If an annual percentage rate is required to be presented in a tabular format pursuant to paragraph ( a ) ( 3 ) ( i ) or ( a ) ( 3 ) ( iii ) of this section, the term fixed, or a similar term, may not be used to describe such rate unless the creditor also specifies a time period that the rate will be fixed and the rate will not increase during that period, or if no such time period is provided, the rate will not increase while the plan is open.\n\n( 3 ) Specific formats.\n\n( i ) Certain disclosures for credit and charge card applications and solicitations must be provided in a tabular format in accordance with the requirements of 1026.60 ( a ) ( 2 ).\n\n( ii ) Certain disclosures for home-equity plans must precede other disclosures and must be given in accordance with the requirements of 1026.40 ( a ).\n\n( iii ) Certain account-opening disclosures must be provided in a tabular format in accordance with the requirements of 1026.6 ( b ) ( 1 ).\n\n( iv ) Certain disclosures provided on periodic statements must be grouped together in accordance with the requirements of 1026.7 ( b ) ( 6 ) and ( b ) ( 13 ).\n\n( v ) Certain disclosures provided on periodic statements must be given in accordance with the requirements of 1026.7 ( b ) ( 12 ).\n\n( vi ) Certain disclosures accompanying checks that access a credit card account must be provided in a tabular format in accordance with the requirements of 1026.9 ( b ) ( 3 ).\n\n( vii ) Certain disclosures provided in a change-in-terms notice must be provided in a tabular format in accordance with the requirements of 1026.9 ( c ) ( 2 ) ( iv ) ( D ).\n\n( viii ) Certain disclosures provided when a rate is increased due to delinquency, default or as a penalty must be provided in a tabular format in accordance with the requirements of 1026.9 ( g ) ( 3 ) ( ii ).\n\n( b ) Time of disclosures ( 1 ) Account-opening disclosures ( i ) General rule. The creditor shall furnish account-opening disclosures required by 1026.6 before the first transaction is made under the plan.\n\n( ii ) Charges imposed as part of an open-end ( not home-secured ) plan. Charges that are imposed as part of an open-end ( not home-secured ) plan and are not required to be disclosed under 1026.6 ( b ) ( 2 ) may be disclosed after account opening but before the consumer agrees to pay or becomes obligated to pay for the charge, provided they are disclosed at a time and in a manner that a consumer would be likely to notice them. This provision does not apply to charges imposed as part of a home-equity plan subject to the requirements of 1026.40.\n\n( iii ) Telephone purchases. Disclosures required by 1026.6 may be provided as soon as reasonably practicable after the first transaction if : ( A ) The first transaction occurs when a consumer contacts a merchant by telephone to purchase goods and at the same time the consumer accepts an offer to finance the purchase by establishing an open-end plan with the merchant or third-party creditor ; ( B ) The merchant or third-party creditor permits consumers to return any goods financed under the plan and provides consumers with a sufficient time to reject the plan and return the goods free of cost after the merchant or third-party creditor has provided the written disclosures required by 1026.6 ; and ( C ) The consumer 's right to reject the plan and return the goods is disclosed to the consumer as a part of the offer to finance the purchase.\n\n( iv ) Membership fees ( A ) General. In general, a creditor may not collect any fee before account-opening disclosures are provided. A creditor may collect, or obtain the consumer 's agreement to pay, membership fees, including application fees excludable from the finance charge under 1026.4 ( c ) ( 1 ), before providing account-opening disclosures if, after receiving the disclosures, the consumer may reject the plan and have no obligation to pay these fees ( including application fees ) or any other fee or charge. A membership fee for purposes of this paragraph has the same meaning as a fee for the issuance or availability of credit described in 1026.60 ( b ) ( 2 ). If the consumer rejects the plan, the creditor must promptly refund the membership fee if it has been paid, or take other action necessary to ensure the consumer is not obligated to pay that fee or any other fee or charge.\n\n( B ) Home-equity plans. Creditors offering home-equity plans subject to the requirements of 1026.40 are not subject to the requirements of paragraph ( b ) ( 1 ) ( iv ) ( A ) of this section.\n\n( v ) Application fees. A creditor may collect an application fee excludable from the finance charge under 1026.4 ( c ) ( 1 ) before providing account-opening disclosures. However, if a consumer rejects the plan after receiving account-opening disclosures, the consumer must have no obligation to pay such an application fee, or if the fee was paid, it must be refunded. See 1026.5 ( b ) ( 1 ) ( iv ) ( A ).\n\n( 2 ) Periodic statements ( i ) Statement required. The creditor shall mail or deliver a periodic statement as required by 1026.7 for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law.\n\n( ii ) Timing requirements ( A ) Credit card accounts under an open-end ( not home-secured ) consumer credit plan. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, a card issuer must adopt reasonable procedures designed to ensure that : ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 1026.7 ( b ) ( 11 ) ( i ) ( A ) ; and ( 2 ) The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing or delivery of the periodic statement disclosing the due date for that payment.\n\n( B ) Open-end consumer credit plans. For accounts under an open-end consumer credit plan, a creditor must adopt reasonable procedures designed to ensure that : ( 1 ) If a grace period applies to the account : ( i ) Periodic statements are mailed or delivered at least 21 days prior to the date on which the grace period expires; and ( ii ) The creditor does not impose finance charges as a result of the loss of the grace period if a payment that satisfies the terms of the grace period is received by the creditor within 21 days after mailing or delivery of the periodic statement.\n\n( 2 ) Regardless of whether a grace period applies to the account : ( i ) Periodic statements are mailed or delivered at least 14 days prior to the date on which the required minimum periodic payment must be received in order to avoid being treated as late for any purpose; and ( ii ) The creditor does not treat as late for any purpose a required minimum periodic payment received by the creditor within 14 days after mailing or delivery of the periodic statement.\n\n( 3 ) For purposes of paragraph ( b ) ( 2 ) ( ii ) ( B ) of this section, grace period means a period within which any credit extended may be repaid without incurring a finance charge due to a periodic interest rate.\n\n( 3 ) Credit and charge card application and solicitation disclosures. The card issuer shall furnish the disclosures for credit and charge card applications and solicitations in accordance with the timing requirements of 1026.60.\n\n( 4 ) Home-equity plans. Disclosures for home-equity plans shall be made in accordance with the timing requirements of 1026.40 ( b ).\n\n( c ) Basis of disclosures and use of estimates. Disclosures shall reflect the terms of the legal obligation between the parties. If any information necessary for accurate disclosure is unknown to the creditor, it shall make the disclosure based on the best information reasonably available and shall state clearly that the disclosure is an estimate.\n\n( d ) Multiple creditors ; multiple consumers. If the credit plan involves more than one creditor, only one set of disclosures shall be given, and the creditors shall agree among themselves which creditor must comply with the requirements that this part imposes on any or all of them. If there is more than one consumer, the disclosures may be made to any consumer who is primarily liable on the account. If the right of rescission under 1026.15 is applicable, however, the disclosures required by 1026.6 and 1026.15 ( b ) shall be made to each consumer having the right to rescind.\n\n( e ) Effect of subsequent events. If a disclosure becomes inaccurate because of an event that occurs after the creditor mails or delivers the disclosures, the resulting inaccuracy is not a violation of this part, although new disclosures may be required under 1026.9 ( c ).\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. \n( Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX. TENDER OF PAYMENT. \nPrimary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. \n\n( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \n\n( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is XXXX. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. \n\nXXXX. PAYMENT. up XXXX. DISCHARGE BY CANCELLATION OR RENUNCIATION. \nXXXX. XXXX of XXXX XXXX. \nPrimary tabs XXXX contract or duty within the XXXX XXXX XXXX imposes an obligation of good faith in its performance and enforcement. \n\nXXXX. Course of XXXX, XXXX of Dealing, and Usage of XXXX. up XXXX. Remedies to be Liberally Administered. \nXXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. \nPrimary tabs ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. \n\n( b ) Unless subsection ( c ) applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. \n\n( c ) Subject to subsection ( d ), a claim is not discharged under subsection ( b ) if either of the following applies : ( XXXX ) The claimant, if an organization, proves that ( i ) within a reasonable time before the tender, the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place, and ( ii ) the instrument or accompanying communication was not received by that designated person, office, or place. \n\n( XXXX ) The claimant, whether or not an organization, proves that within 90 days after payment of the instrument, the claimant tendered repayment of the amount of the instrument to the person against whom the claim is asserted. This paragraph does not apply if the claimant is an organization that that sent a statement complying with paragraph ( 1 ) ( i ).\n\n( d ) A claim is discharged if the person against whom the claim is asserted proves that within a reasonable time before collection of the instrument was initiated, the claimant, or an agent of the claimant having direct responsibility with respect to the disputed obligation, knew that the instrument was tendered in full satisfaction of the claim. \n\n3-310. EFFECT OF INSTRUMENT ON OBLIGATION FOR WHICH TAKEN. up 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT","date_sent_to_company":"2024-11-06T18:29:23.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"10711193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tesla, Inc.","date_received":"2024-11-06T03:12:46.000Z","state":"NE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["or <em>delivery</em> of the periodic <em>statement</em>"]},"sort":[9.906565,"10711193"]},{"_index":"complaint-public-v1","_id":"9535823","_score":7.556751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law XXXX XXXX and XXXX to delete this account immediately yes Experian have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX  : XXXX ) XXXX XXXX  : XXXX, XXXX and XXXX XXXX have removed and deleted this child support. I would like for Experian and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediatelyXXXX XXXX XXXX XXXX XXXX : XXXX, ( XXXX XXXX : XXXX ) XXXX  XXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC XXXX SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. 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. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX  mothers XXXX children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. ( a ) A plaintiff seeking 1983 redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX principal factors determine whether a statutory provision creates a privately enforceable right : ( XXXX ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX Virginia XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2023 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) XXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. \n\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:18:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9535823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-18T00:52:15.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>provides</em> a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the <em>billing</em> cycle of which such period is a part, unless a <em>statement</em> which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the <em>statement</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.556751,"9535823"]},{"_index":"complaint-public-v1","_id":"9536025","_score":7.5473185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account XXXX XXXX dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law Trans Union and XXXX to delete this account immediately yes XXXX have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX XXXX XXXXXX ) XXXX XXXX XXXX XXXX, XXXX and Trans Union have removed and deleted this XXXX XXXX. I would like for XXXX and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section XXXX ( a ) ( XXXX ) ( B ). XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a XXXX XXXX explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX mothers whose children are eligible for state child support services under XXXX XXXX XXXX of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the XXXX program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex XXXX XXXX program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the XXXX achieve \" substantial compliance '' with XXXX XXXX. It also disagreed with the XXXX XXXX 's conclusion that XXXX had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. XXXX. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the Secretary to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal grant upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the XXXX XXXX Code XXXX - Civil action for deprivation of rights Every person who, under XXXX of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial XXXX for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any XXXX of XXXX applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2023 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9536025","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-18T01:19:10.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>provides</em> a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the <em>billing</em> cycle of which such period is a part, unless a <em>statement</em> which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the <em>statement</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.5473185,"9536025"]},{"_index":"complaint-public-v1","_id":"9536024","_score":7.5473185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law XXXX XXXX and Equifax to delete this account immediately yes XXXX have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax and XXXX XXXX have removed and deleted this child support. I would like for XXXX and Equifax have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. Blessing v. 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 No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. XXXX. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit XXXX not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the XXXX XXXX Code XXXX - Civil action for deprivation of rights Every person who, under XXXX of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial XXXX for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9536024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-18T01:19:10.000Z","state":"NE","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>provides</em> a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the <em>billing</em> cycle of which such period is a part, unless a <em>statement</em> which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the <em>statement</em>"]},"sort":[7.5473185,"9536024"]},{"_index":"complaint-public-v1","_id":"8761686","_score":7.5473185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. \nUCC 1-308 without prejudice Please remove these accounts immediately.\n\nI Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX  is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I would like for XXXX XXXX and XXXX to delete this account immediately yes Experian have deleted this account so I would like this account to delete immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have removed and deleted this child support. I would like for Experian and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY CREDIT REPOT I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. XXXX XXXX XXXX is my correct name this is a violation. CLOSE WITH MONETARY RELIEF. \nPlease remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.\n\n( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. \n( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ).\n\n( 3 ) The finance charge, not itemized, using that term.\n\n( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}.\n\n( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments.\n\n( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respondents, XXXX Arizona mothers whose children are eligible for state child support services under Title XXXX -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. \n\n( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if Congress specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( b ) Respondents have not established that Title IV-D gives them individually enforceable federal rights. In prior cases, the Court has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here, respondents have not identified with particularity the rights they claim, and the Ninth Circuit has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with Title IV-D in all respects. The statutory \" substantial compliance '' requirement, see, e. g., 42 U. S. C. 609 ( a ) ( 8 ) ( 1994 ed., Supp. II ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the Secretary to measure the systemwide performance of a State 's Title IV-D program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.\n\n( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional.\n\n( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.\n\n( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.\n\n( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.\n\n15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. \nTo who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization .\n\nPlease provide breakdown of fees including any collection costs and medical charges.\n\nProvide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. \nAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. \nThis includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. \nIf your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. \nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIt would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n( 2 ) Terrorism offense.\n\nWhoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.","date_sent_to_company":"2024-04-12T21:46:08.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"8761686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-12T20:16:50.000Z","state":"NE","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":["Code 1666b - <em>Timing</em> of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic <em>statement</em> <em>including</em> the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.5473185,"8761686"]},{"_index":"complaint-public-v1","_id":"6775980","_score":7.2212353,"_source":{"product":"Debt collection","complaint_what_happened":"Capital One Quicksilver The nature of this Consumer Credit Transaction is Summed to 15 U.S. Code S 1692 - Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Pursuant to 18 U.S. Code 1014 - Loan and credit applications generally ; Capital one is in violation for knowingly making any false statement or report, or willfully overvalues any land, property or security. Form of Identity theft exists in these Consumer Credit Transactions with Capital one false claiming & assuming vital roles as the Creditor, administrator, lender, beneficiary. I am the beneficiary which does not pay debt, trustee pay debt which is Capital one. Capital one is the trustee thats obligated to the Beneficiary, I. I am suppose to be able to trust Capital one with overlooking accounts, complying with my demands & Request. Capital one has failed to lawfully conduct business properly, not throughly & carefully investigating the nature of ALL Disputes & Documents but fraudulently coming after I for bills I am not obligated to pay for nor possible to pay with no Gold or Silver substance pursuant to 18 U.S. Code 8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Coming up with many ways deceptive forms to coerce me for payment of a bill. All phone calls I had with Capital one the Customer service was horrible with no one being able to actually help but only make the situation worst causing more damages correlating to Civil Liabilities pursuant to 15 USC 1692k. Every interaction I had with capital one in good faith has been neglected & dismissed, not once did I see any attempt of Capital one displaying lawful consideration. Not once have I been informed of my Rights will full disclosure as an Consumer. An Consumer have Rights constructed under a system in place for the them called Consumer Protection Laws.\n\nEmployees misinforming you of your Consumer Rights, seems inevitable to happen if they are looking at you as an Customer instead of the Consumer. Capital one has failed to Realize or take Accountability of the fact that this is an Consumer Credit Transaction & fails to innerstand what Consumer Protection Laws is. Consumer protection laws safeguard purchasers of goods and services against defective products and deceptive, fraudulent business practices. Businesses like this knowing the true nature of what it possess leaves no excuse for them to not make the Right & lawful consideration. Disobeying & Neglecting Consumer Protection Laws as if they are above it, feeling like they dont have to comply with. Capital one referring to me as an Customer. A Consumer & an Customer are two separate things. Last time I checked you will not be able to find the word Customer related or under Consumers Protection Laws. Giving I, the Consumer deceptive information while I Am Embracing or Exercising my Consumer Laws Rights resulted in Capital One closing my account. So because I was exercising my Consumer Rights my account has been closed by Capital one. Coercing me for payment Capital one has but when trying to pay with a payable instrument it is not recognized as payment. I have accepted coupons for value & returned to sender extinguished somehow I was told they are not accepting that form of payment yet pursuant to UCC 3-603 TENDER OF PAYMENT, UCC 3-104 NEGOTIABLE INSTRUMENT, UCC 3-110 IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE it is illegal for them not to accept that form of payment. The form of payment is acceptable but they coerce you to use your FRNs for payment only. Paying with FEDERAL RESERVE NOTES are optional. Capital one has been Reporting my account as delinquent while in dispute. Capital one will not/can not bind me to there contract as I am the only one with verifiable risk. I have the Right to release myself from any contracts I put myself in. Civil and criminal liability for willful noncompliance to keep me obligated to terms thats not binding & not releasing funds thats due to I, the Consumer as I demanded & requested lawfully. With an Billing error notice acknowledging how my billing is incorrect being aware it is an Credit balance. Pursuant to 15 U.S. Code 1666d - Treatment of credit balances- Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months. Capital one has Neglected my Demand of remaining credit balance, displaying many acts of not doing business in good faith or having any lawful consideration.\n\nBenefit of an obligor, in every Consumer Credit Transaction the entity refers to the Consumer paying the bill as the obligor as they are obligated to pay under there terms, which Capital one sure does view me as in this contract holding me obligated to there terms. Capital one has been using many deceptive forms to coerce payment from me for fictitious alleged debt, thats actually coerced debt under constructive fraud without any validation there is an actual debt on my behalf. Informing me how youve found my account in the system and its mines with the wrong address on it isnt/doesnt validate the debt itself, thats specifically validation to the fact that its one of my accounts. Without sending proper validation of debt, sending me a billing statement with transactions experiences all over it isnt debt validation. Pursuant to 15 U.S. Code 1692g - Validation of debts ( 3 ) & ( 4 ), I have not received any of those statements. Failure to properly disclose within five days after the initial communication with a consumer in connection with the collection of any debt. The contracts in whole & part are null and void with Capital one conducting In business outside of its lawful mandate ( Ultra Vires ). If banks are not suppose to loan money ( Own Stock ) pursuant to 12 USC 83 whos credit is Capital one loaning then? Pursuant to 12 U.S Code 83 the fact that Capital one takes ownership claiming to loan me money is an violation. 12 U.S. Code 83 - Loans by bank on its own stock - a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. Loaning the credit of the people since XXXX in form of promissory notes, there is no real money in circulation. As you can see Banks is leasing the credit of the people of United States back to them with unlawful fees, interest & charges. The greed to triple dip or more on someones credit & not repay them or compensate them is truly fraudulent. True Full Accounting of where the funds are being pulled from has not been provided as I requested & demanded. Im sure wont ever be provided as Ive ask for the full accounting of this Consumer Credit Transaction back in XXXX of XXXX. True Full Accounting would show exactly where the credit or money stems from. It is my Credit I am being leased back plus interest, late fees which shouldnt exist pursuant to 15 U.S. Code 1666b - Timing of payments. Full faith & Credit of the United States is backed by the people. Minimum payments and all other charges are violations in the process of the Consumer Credit Transaction/ Consumer Goods Transactions , false representations of dollar amounts owed or due pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt. Pursuant to 15 U.S. Code 1605 - Determination of finance charge, Finance charge shall be the only charge in this Consumer Credit Transaction as its suppose to cover the sum of all charges not leaving a bill behind. UCC 1026.4 Finance charge ( a ) Definition - The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Finance charge is the sum of all charges including fees, interest any/all other charges therefor in a lawful Consumer Credit Transaction 1 charge should have been it. False/inaccurate information from is given to me every interaction with Capital one, deceptive forms pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms. Capital one Displaying unfair practices pursuant to 15 U.S. Code 1692f - Unfair practices -A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Continuously oppressing, harassing & Neglecting I and my demands affecting my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Constantly telling me I am obligated under Capital one terms and my Accounts are late/due for payments. Informing me they can report false information to the CRAs because they claim the information being report is correct and valid yet has not used the proper procedures to lawfully determine the facts.\n\nCapital one is on a Cease & Desist notice pursuant to 15 U.S. Code 1692c these are the only acceptions Capital one may reach out to me now 15 U.S Code 1692c - Communication in connection with debt collection ( C ) Cease communication, expect 1. to advise the consumer that the debt collector 's further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. There should be no other reason Capital one contacts I furthermore for any bills or payment on any of my Accounts. Capital one doing adverse action on my credit card due to disputes. Unlawful to close a Consumers account due to them expressing their Consumer Laws. Capital one has completely failed to give me proper communications. Failure to give any validation of debt pursuant to 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS The Original Creditor is not Capital One, I AM the Original Creditor whose credit I am using, Deceived by identify theft, misrepresentation. Capital one doesnt have credit nor money but using the credit & funds of the people to fulfill its business life. If people were to stop applying for these credit applications using there SSN which is a credit card with funds & stop funding these businesses then how would they be able to provide any service if not needed. Capital one whole business model is set up as fraud. Coerced debt is forced debt. Capital one has failed to give me Full Disclosure of my right to dispute the validity of the debt so I may be informed how to go about clarifying the validation of the debt or anything else related to Consumer Credit Transaction Im suppose to know in initial communication with Capital one was not received. Taking advantage of 15 USC1692g Validation of debts not giving full disclosure, I was obviously not aware of being able to dispute the validity of debt from the beginning, the 1st initial communication between I & Capital one. Paying for things thats already paid for because Ive never dispute validity of debt & continuously making monthly payments in good faith further proving the debt was in valid. Giving Capital one room to assume the debt was valid but once I start disputing & exercising my Consumer rights nothing changes with Capital one as they insist on neglecting my Consumer rights. Capital one is in violations of criminal & civil liability pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, Civil liability pursuant to 15 U.S Code 1692k, 15 U.S. Code 1611 - Criminal liability for willful and knowing violation & 15 U.S. Code 1640 - Civil liability. Capital one has been informed of all of there ill will with documents sent marked with all the violations proof that pinpoints exactly how it is a violation & where it has been. Limited to the violations I found, not all that exist. There violations has been blind eyed. Capital one couldnt rebuttal or properly respond to any of my Documents in a timely manner or in general. Unrebutted Affidavits stands as truth & its past Capitals one deadline to lawfully pinpoint any issues on the Affidavits they may believe is not true or incorrect. Capital one should be ashamed for how unprofessional, unethical & lack of morals they posses as there nature. Form of payment with amounts for violation was given, clearly to satisfy the damages they cost upon I, the Consumer civil & criminal liabilities. I have tried all I can in good faith to settle & satisfy my Accounts in a lawful manner while being neglected. All demands/requests made to Capital one as the beneficiary, Consumer has been denied. Capital one has shown there incapability of not being able to make any proper or lawful consideration in conducting healthy business. Working closely together with CRAs they collaborated with damaging my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. About 6 months in dispute with Capital one they have failed to properly update my accounts communicating it with CRAs so all is aware. Failed to communicate with I in an lawful manner about notices like my account being closed the first couple months in dispute with them. Failed to respect any of my rights as the Consumer, neglected all forms of Documents received not willfully complying to any demands/requests. Its clear NFCU is in violation of many of my rights in this Consumer Credit Transaction as an consumer. 15 U.S. Code 6803 - Disclosure of institution privacy policy a financial institution shall provide a clear and conspicuous disclosure to such consumer. Note : Just because no more violations arent listed doesnt mean there isnt any more done in These consumer credit transactions, as stated in 15 USC 1692 There is ABUNDANT EVIDENCE of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Capital one completely failed to give me any procedures on how theyve come up any of the claims or conclusions they have like validation of debt or them having the right to report how they are currently reporting false information that can not or hasnt been proving etc. The time gap for Capital one to have sent any documentation elaborating the procedures for any claims or chances to rebuttal Affidavits or any other Documentation is closed. The duration of those procedures does not take months to attend to especially with it being a requirement by law that they reply within a given duration they have failed to constantly do. Furthermore to interfere With our proper timing of communications on all forms Capital one has been sending Mail to an address thats previous on my account but I am not attending to or an residence at no longer. Nor is it a Primary address or an Address in usage.\n\nFINAL NOTICE TO ALL.\n\nAffiliations & Partnerships of CAPITAL ONE Conduct Lawful business with the Greatest Intentions of being in Service of the People to help YOU pay your Karmic Debt youve been harnessing, collecting since the Birth & Establishments of your entities. Capital one claims to not take fault for any damages done - UCC filing completed - Secured Party Creditor - I AM EXEMPT from all you try to enforce & coerce upon I.\n\n- The Secured Party/ Creditor is also able to discharge debts, because he is exempted from debts in the first place. This is done using the '' Acceptance for Value '' principle.\n\n- I have accepted for value & returned to sender settled & satisfied in good faith - A secured party is also legally backed to only transact using gold and silver. But since this has been expunged due to the government 's bankruptcy sham, the secured party is therefore not mandated to pay such debts or taxes in gold or silver, because they are not available.\n\n- Since congress borrows \" money substitutes '' ( FRNS ) on the basis of my credit since I am one of the people of the United States, Congress gives me an unlimited credit exemption that I can use to discharge the debts that I can not pay with FRNs because FRNs are not \" real money of account of the United States '' that \" pays '' debts. Congress permits me to use my personal credit exemption to pay charges that FRNSs can only \" discharge. '' - Entity, Corporations doesnt have wet ink signature ( Fictitious Being ) Paid attention or belief makes it real - Belief in any system makes It Alive - Also, the state is a \" debtor '' and therefore can not compel a Secured party who is a \" creditor '' to pay anything. They borrowed from people of America in the first place, and therefore are indebted to the American People ( People of the Land ) - We the people provide the credit for every instrument that we endorse the very instant we endorsed it.\n\n- Our signature represents the intangible personal credit that we provide. We only have to pay for what we get with money substitutes ( FRNs ) because our suppliers usurp our personal credit exemption for their own use when we fail to object and do not demand our personal credit exemption for ourselves. They can't do this when we object.\n\n- All taxes are interest payments that accrue from the principle of the lenders of personal credit ( meaning us ) to the lending institutions of the corporate UNITED STATES, and these interest payments must be returned to the lenders of personal credit ( to us ), when so claimed, for the close of escrow lest we be found guilty \" for failing to make the return ''.\n\n- All Billing statements Violation Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions - the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; - Consumers Report is an Billing Statement - A billing statement is a monthly report that credit card companies ' issue to credit card holders showing their recent transactions, monthly minimum payment due, and other vital information. Billing statements are issued monthly at the end of each billing cycle. Violations All over Billing statements with symbols, being deceptive form etc pursuant to 15 U.S. Code 1692j -Furnishing certain deceptive forms, 15 U.S. Code 1692f Unfair practices Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram & 15 U.S. Code 16926 -Acquisition of ocation information ( 5 ) ( B ) - 15 U.S. Code 1692b- Acquisition of ocation information - 33 U.S. Code 931 - Penalty for misrepresentation - 15 U.S. Code 1692f - Unfair practices - 15 U.S. Code 1681 m- Requirements on users of consumer reports- 18 U.S. Code 242 - Deprivation of rights under color of law - 18 U.S. Code 8 - Obligation or other security of the United States - 18 U.S. Code 241 - Conspiracy against rights - 15 U.S. Code 1692e - False or misleading representations - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681n - Civil liability for willful noncompliance - 15 U.S. Code 1681o - Civil liability for negligent noncompliance - 15 U.S. Code 1611 - Criminal liability for willful and knowing violation - 31 U.S. Code 3729 - False claims - 18 U.S. Code 1014 - Loan and credit applications generally ; renewals and discounts ; crop insurance - 15 U.S. Code 1693n - Criminal liability - 15 U.S. Code 1692c -Communication in connection with debt collection - 15 U.S. Code 1692k - Civil liability - 15 U.S. Code 1692d - Harassment or abuse - 15 U.S. Code 1692g - Validation of debts - No Valid verification of debt just word of mouth accusing of alleged debt.\n\n- Coupon : \" A coupon or coupon payment is the annual interest rate paid on a bond, expressed as a percentage of the face value and paid from the issue date until maturity. Coupons are usually referred to in terms of the coupon rate ( the sum of coupons paid in a year divided by the face value of a bond in question ). A certificate attached to a loan instrument that can be separated from the instrument and presented after a specified time for the collection of interest. '' - Coupon Bonds : \" bonds to which are attached coupons for the several successive installments of interest to maturity.\n\n- As the Beneficiary, Administrator, Lender, Original Creditor, Consumer, Organic Living Being I DO NOT OWE anything to any corporation, entity or man - Beneficiaries dont pay debt, Trustees do which is CAPITAL ONE - CAPITAL ONE is the debtor, trustee - CAPITAL ONE Is not the creditor, Lender - I Am the Original Creditor, Beneficiary, Consumer- Not accepting negotiable instrument making account more late - Have not returned any payment coupons but claim payment was not accepted, yet payment delivered & not returned - Fictitious Debt this is, Made Up Debt, EX. Would be print more money to seem wealthy which the U.S does naturally due to being Fraudulent by Nature.\n\n- The U.S is in Debt, I AM Not in Debt to any entity or persons - Banks are in debt, I AM not in Debt - The U.S & Banks borrowing the credit from the people with no intentions on returning it - Credit of the U.S is backed by the People of America - Debt belongs to the trustees - The U.S is suppose to be my Trustee, responsibility being reassuring my Accounts are in my benefit of Great Standings. Beneficial to I the Beneficiary.\n\n- All Corporations who has Access to any of my Accounts are my Trustee working for I, The Beneficiary.\n\n- Trustee is suppose to be in service of the beneficiary - Debt belongs to the U.S as it is their duty to fulfill their obligations pursuant to 18 U.S. Code Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, - Coerced debt is an form of identity theft - Identity Theft assuming the Role of a Original Creditor, I AM.\n\n- CAPITAL ONE has a Wrong Number thats not mines under Personal Information - CAPITAL ONE has claimed their selfs as the Creditor whos giving me this line of credit from them to I, the Original Creditor.\n\n- True Full Accounting would show whos the Creditor - A U.S. law passed in 2002 to protect investors from corporate accounting fraud by improving financial reporting and auditing standards- Sarbanes-Oxley ( SOX ) -coerced debt is unlawfully fraudulent -Coerced debt is void, All you alleged me for is extinguished -Compensation shall be made for the identity theft coercing debt -1 month after in Dispute my Account was already closed? Exercising my consumer rights -identity theft claiming many vital roles of assembling & evaluating -Adverse Action on Account being closed- Unlawfully wrong & Privacy concerns of Capital One sending my mail to wrong address. Employee making excuses for capital one to send to wrong address - Capital one sending mail to an address I no longer reside at is unlawfully incorrect - Capital one informed me the debt was sold - Capital one Claims debt is valid yet hasnt sent proper documentation showing how is the debt valid - Willfully Neglecting all documents sent even certified Affidavit - No lawful consideration - Ultra vires - Willful non-compliance - Cant rebuttal but yet still trying to bind me to there terms/obligations is unlawful- Is NOT reporting accurate information but claims they are- Just because Capital is able to verify that is my account with SSN, email, phone number & date of birth does not not validate debt - I have never claimed this wasnt my account so capital one responses arent even properly handling what my complaint was about - Improperly responding to Complaints and Dissatisfaction of the Consumer - Capital one has Confirmed to me they had/have verified my SSN & date of birth they have on record, meaning its in there systems & my Account has already been paid off with my SSN credit card, a trust account attached that that pre pays bills debts. When I open the account a SSN is required. SSN prepaid the credit card.\n\n- My SSN being on file means Credit Card was PrePaid for the amount I open the Account for my Line of Credit that was lease to me with all types of fees violating my Consumer Law Rights & other statuses. \n- coercing for payment on a PAID IN FULL ACCOUNT ( DOUBLE DIPPING, TRIPLE DIPPING FOR PAYMENT THATS FICTITIOUS MAKES THE BANKS THERE PROFIT ) - Claim the first documents I delivered wasnt legible, telling me to send a separate sign letter - XXXX XXXX more Affidavits with violations on documents from capital one pinpointing violations ; Capital one has failed to rebuttal or lawfully reply - Since congress borrows \" money substitutes '' ( FRNS ) on the basis of my credit since I am one of the people of the United States, Congress gives me an unlimited credit exemption that I can use to discharge the debts that I can not pay with FRNs because FRNs are not \" real money of account of the United States '' that \" pays '' debts. Congress permits me to use my personal credit exemption to pay charges that FRNSs can only \" discharge. '' - My mutual offset credit exemption exchange was mentioned in documentation sent to CAPITAL ONE they claimed wasnt legible yet the same form was sent to XXXX & they didnt claim it wasnt legible. \n- Trickery, deceptive way of collecting additional pay, requesting pay in that manner Please send us this portion of your statement and only one check ( or one money order ) payable to Capital One to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment coupon clearly acceptable for negotiable instrument - CFPB Closing all my cases yet they arent solved how I Demanded, therefore shouldnt be closed as resolved, I have no received my Remedies due to I, the Consumer for Criminal & Civil Liabilities & Damages. \n\n- Caused damages Committing Civil & Criminal Liabilities","date_sent_to_company":"2023-03-31T01:25:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6775980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-31T01:08:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["- All <em>Billing</em> <em>statements</em> Violation Pursuant to 15 U.S."]},"sort":[7.2212353,"6775980"]},{"_index":"complaint-public-v1","_id":"10717011","_score":7.1776066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OUR COMPLAINT\nI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States of\nAmerican I XXXX, have look at my credit report and see that there are\ninaccurate reports on my account child support dont not report to credit reporters and by\nlawful cancellation all contracts and remove theses accounts off my credit profile I will like a\ncontract to show that me a living soul that me and them the other party showed in contact\nwhere we both agreed upon on all disclosure must be showed its a invalid contract please\nremove from my credit report it have hinder me from my future benefits. UCC 1-308 without\nprejudice Please remove these accounts immediately. I Recently viewed my credit report\nand saw that there is incorrect information on my credit report. In accordance with the Fair\nCredit Reporting act. These accounts is inaccurate and dont have no contract with me or\ndid not notify me or put me on notice that was going to report these accounts on my credit\nreport. I have the rights to private I will love equity for all the inaccurate accounts on my\ncredit report.The List of accounts below has violated my federally protected consumer rights\nto privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND\nADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU\nPLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT\nIMMEDIATELY. : I have tried time after times delete this\noff my credit report immediately this is not acting in good Faith by law to delete this account immediately yes deleted this account IMMEDIATELY . (XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans Union have removed and deleted this child support. I would this is my XXXX  time contacting \nXXXX  to deleted it and they put it back in my credit report its a VIOLATION by law thats\nillegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX XXXX XXXX XXXX, has\nviolated my rights. 15 U.S.C 6802 (B) The consumer is given the opportunity, before the time\nthat such information is initially disclosed, to direct that such information not be disclosed to\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX  such XXXX  party; and (C)the consumer is given an explanation of how the consumer can\nexercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to\nprivacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency\ncannot furnish an account without my written instructions. 15 U.S.C 1681c. (a)(5) Section\nStates: no consumer reporting agency may make any consumer report containing any of the\nfollowing items of information Any other adverse item of information, other than records of\nconvictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681\nsection 623 If a consumer notifies a furnisher, at an address specified by the furnisher for\nsuch notices, that specific information is inaccurate, and the information is, in fact,\ninaccurate, the furnisher must thereafter report the correct information to CRAs. Section\n623(a)(1)(B). 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a\nconsumer to any consumer reporting agency if the person knows or has reasonable cause\nto believe that the information is inaccurate. Also the credit bureaus failed to do a complete\na full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING\nAND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I\ndont not want the reporting any thing for me on my credit account I am a living man I can\nconduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a\nviolation. I want this these account CLOSE\n WITH MONETARY RELIEF. They had fail to mail or\nemail me a FRA Letter explaining my rights and show me proof of my wet signature.. Please\nremove ALL HARD INQUIRIES I DUD NOT RECEIVED ANY THING FOR TRANSACTION \n\nTN XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS [TRANSUNION PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHT XXXX XXXX XXXX XXXX XXXX have VIOLATED MY RIGHTS I WIL LIKE XXXX dollar for every violation its stopped me from gettIng a place to live and I have already sent letters and emails no response back delete these accounts immediately IMMEDIATE AND SEND CHECK BY MAIL. These accounts dose not match on all credit reports please delete 15 US\n\n15 U.S. Code  1681i\n- Procedure in case of disputed accuracy (5) Treatment of inaccurate or unverifiable\ninformation (A) In general If, after any reinvestigation under paragraph (1) of any information\ndisputed by a consumer, an item of the information is found to be inaccurate or incomplete\nor cannot be verified, the consumer reporting agency shall (i) promptly delete that item of\ninformation from the file of the consumer, or modify that item of information, as appropriate,\nbased on the results of the reinvestigation; and (ii) promptly notify the furnisher of that\ninformation that the information has been modified or deleted from the file of the\nconsumer. 15 U.S. Code  1681q - Obtaining information under false pretenses Any person\nwho knowingly and willfully obtains information on a consumer from a consumer reporting\nagency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX\nyears, or both. 15 U.S. Code  1666b - Timing of payments (a) Time to make payments A\ncreditor may not treat a payment on a credit card account under an open end consumer\ncredit plan as late for any purpose, unless the creditor has adopted reasonable procedures\ndesigned to ensure that each periodic statement including the information required by\nsection 1637(b) of this title is mailed or delivered to the consumer not later than XXXX  days\nbefore the payment due date. (b) Grace period If an open end consumer credit plan\nprovides a time period within which an obligor may repay any portion of the credit\nextended without incurring an additional finance charge, such additional finance charge\nmay not be imposed with respect to such portion of the credit extended for the billing cycle\nof which such period is a part, unless a statement which includes the amount upon which\nthe finance charge for the period is based was mailed or delivered to the consumer not\nlater than XXXX  days before the date specified in the statement by which payment must be\nmade in order to avoid imposition of that finance charge. 15 U.S. Code  1638 -\nTransactions other than under an open end credit plan a) Required disclosures by creditor\nFor each consumer credit transaction other than under an open end credit plan, the creditor\nshall disclose each of the following items, to the extent applicable: (1) The identity of the\ncreditor required to make disclosure. (2) (A) The amount financed, using that term, which\nshall be the amount of credit of which the consumer has actual use. This amount shall be\ncomputed as follows, but the computations need not be disclosed and shall not be\ndisclosed with the disclosures conspicuously segregated in accordance with subsection (b)\n(1): (i) take the principal amount of the loan or the cash price less downpayment and trade-\nin; (ii) add any charges which are not part of the finance charge or of the principal amount\nof the loan and which are financed by the consumer, including the cost of any items\nexcluded from the finance charge pursuant to section 1605 of this title; and (iii) subtract any\ncharges which are part of the finance charge but which will be paid by the consumer before\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nor at the time of the consummation of the transaction, or have been withheld from the\nproceeds of the credit. (B) In conjunction with the disclosure of the amount financed, a\ncreditor shall provide a statement of the consumers right to obtain, upon a written request,\na written itemization of the amount financed. The statement shall include spaces for a yes\nand no indication to be initialed by the consumer to indicate whether the consumer wants\na written itemization of the amount financed. Upon receiving an affirmative indication, the\ncreditor shall provide, at the time other disclosures are required to be furnished, a written\nitemization of the amount financed. For the purposes of this subparagraph, itemization of\nthe amount financed means a disclosure of the following items, to the extent applicable: (i)\nthe amount that is or will be paid directly to the consumer; (ii) the amount that is or will be\ncredited to the consumers account to discharge obligations owed to the creditor; (iii) each\namount that is or will be paid to third persons by the creditor on the consumers behalf,\ntogether with an identification of or reference to the third person; and (iv) the total amount\nof any charges described in the preceding subparagraph (A)(iii). XXXX The finance charge,\nnot itemized, using that term. XXXX The finance charge expressed as an annual percentage\nrate, using that term. This shall not be required if the amount financed does not exceed $XXXX  and the finance charge does not exceed XXXX, or if the amount financed exceeds $XXXX  and the\nfinance charge does not exceed XXXXXXXX XXXX) The sum of the amount financed and the finance\ncharge, which shall be termed the total of payments. XXXX) The number, amount, and due\ndates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX, 520 U.S. 329 (1997) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO THE UNITED STATES COURT\nOF APPEALS FOR THE XXXX XXXX XXXX XXXX Argued XXXX XXXX XXXX-Decided XXXX XXXX XXXX Respondents, five Arizona mothers whose children are eligible for state child\nsupport services under Title IV -D of the Social Security Act, filed this 42 U. S. C.  1983 suit\nagainst petitioner, the director of the state child support agency, claiming, among other\nthings, that they properly applied for child support services; that, despite their good faith\nefforts to cooperate, the agency never took adequate steps to obtain child support\npayments for them; that these omissions were largely attributable to staff shortages and\nother structural defects in the State's program; and that these systemic failures violated their\nindividual rights under Title XXXX  to have all mandated services delivered in substantial\ncompliance with the title and its implementing regulations. They requested broad relief,\nincluding a declaratory judgment that the Arizona program's operation violates TitlXXXX XXXX XXXX\nprovisions creating rights in them that are enforceable through a  1983 action, and an\ninjunction requiring the director to achieve substantial compliance with Title IV-D\nthroughout all programmatic operations. The District Court granted summary judgment for\npetitioner, but the XXXX XXXX  reversed. Without distinguishing among the numerous\nprovisions of the complex XXXX XXXX program or the many rights those provisions might\nhave created, the latter court held that respondents had an enforceable individual right to\nhave the State achieve \"substantial compliance\" with XXXX XXXX. It also disagreed with the\nDistrict Court's conclusion that Congress had foreclosed private XXXX XXXX enforcement\nactions by authorizing the Secretary of Health and Human Services (Secretary) to audit and\ncut off funds to States whose programs do not substantially comply with XXXX XXXX\nrequirements Held: XXXX XXXX does not give individuals a federal right to force a state\nagency to substantially comply with XXXX XXXX XXXX  (a) A plaintiff seeking  XXXX  redress must assert the violation of a federal right, not merely of federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 493 U. S. 103, 106. XXXX  principal factors determine whether a\nstatutory provision creates a privately enforceable right: XXXX whether the plaintiff is an\nintended beneficiary of the statute; (XXXX  whether the plaintiff's asserted interests are not so\nvague and amor- XXXX  Syllabus phous as to be beyond the competence of the judiciary to\nenforce; and (3) whether the statute imposes a binding obligation on the State. SeeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 496 U. S. 498, 509. Even if a plaintiff demonstrates such a\nright, however, there is only a rebuttable presumption that it is enforceable under  XXXX.\nDismissal is proper if Congress specifically foreclosed a  XXXX  remedy, XXXX XXXX XXXX,\n468 U. S. 992, 1005, XXXX XXXX XXXX, either expressly, by forbidding recourse to  XXXX  in the\nstatute itself, or impliedly, by creating a comprehensive enforcement scheme that is\nincompatible with individual  XXXX  enforcement, XXXX XXXX XXXX, 512 U. S. 107, 133. XXXX XXXX  (b) Respondents have not established that XXXX XXXX gives them individually\nenforceable federal rights. In prior cases, the Court has been able to determine whether or\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nnot a statute created such rights because the plaintiffs articulated, and lower courts\nevaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 479 U. S. 418, 430. Here, respondents have not identified with particularity the\nrights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry.\nThat court erred in apparently holding that individuals have an enforceable right to\n\"substantial compliance\" with XXXX XXXX in all respects. The statutory \"substantial\ncompliance\" requirement, see, e. g., 42 U. S. C.  609(a)(8) (1994 ed., Supp. II), does not give\nrise to individual rights; it was not intended to benefit individual children and custodial\nparents, but is simply a yardstick for the Secretary to measure the systemwide performance\nof a State's XXXX XXXX  program, allowing her to increase the frequency of audits and reduce\nthe State's federal grant upon a finding of substantial noncompliance. The Court of Appeals\nalso erred in taking a blanket approach to determining whether XXXX XXXX creates rights: It is\nreadily apparent that many of the provisions of that multifaceted statutory scheme,\nincluding its \"substantial compliance\" standard and data processing, staffing, and\norganizational requirements, do not fit any of the traditional criteria for identifying statutory\nrights. Although this Court does not foreclose the possibility that some XXXX XXXX  provisions\ngive rise to individual rights, the XXXX XXXX  did not separate out the particular rights it\nbelieved arise from the statutory scheme, the complaint is less than clear in this regard, and\nit is not certain whether respondents sought any relief more specific than a declaration that\ntheir \"rights\" were being violated and an injunction forcing petitioner to \"substantially\ncomply\" with all of XXXX XXXX provisions. This defect is best addressed by sending the case\nback for the District Court to construe the complaint in the XXXX  instance, in order to\ndetermine exactly what rights, considered in their most concrete, specific form, respondents\nare asserting. Only by manageably breaking down the 42 U.S. Code  1983 - Civil action for\ndeprivation of rights Every person who, under color of any statute, ordinance, regulation,\ncustom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to\nbe subjected, any citizen of the United States or other person within the jurisdiction thereof\nto the deprivation of any rights, privileges, or immunities secured by the Constitution and\nlaws, shall be liable to the party injured in an action at law, suit in equity, or other proper\nproceeding for redress, except that in any action brought against a judicial officer for an act\nor omission taken in such officers judicial capacity, injunctive relief shall not be granted\nunless a declaratory decree was violated or declaratory relief was unavailable. For the\npurposes of this section, any Act of Congress applicable exclusively to the District of\nColumbia shall be considered to be a statute of the District of Columbia. Credit card Code\n15 U.S. Code  1692k - Civil liability Amount of damages Except as otherwise provided\nby this section, any debt collector who fails to comply with any provision of this subchapter\nwith respect to any person is liable to such person in an amount equal to the sum of (1) any\nactual damage sustained by such person as a result of such failure; (2) (A) in the case of any\naction by an individual, such additional damages as the court may allow, but not exceeding\n$XXXX; or (B) in the case of a class action, (i) such amount for each named plaintiff as could\nbe recovered under subparagraph (A), and (ii) such amount as the court may allow for all\nother class members, without regard to a minimum individual recovery, not to exceed the\nlesser of $XXXX  or XXXX  per centum of the net worth of the debt collector; and (3) in the case\nof any successful action to enforce the foregoing liability, the costs of the action, together\nwith a reasonable attorneys fee as determined by the court. On a finding by the court that\nan action under this section was brought in bad faith and for the purpose of harassment, the\ncourt may award to the defendant attorneys fees reasonable in relation to the work\nexpended and costs. (b) Factors considered by court In determining the amount of liability\nin any action under subsection (a), the court shall consider, among other relevant factors\n(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of\nnoncompliance by the debt collector, the nature of such noncompliance, and the extent to\nwhich such noncompliance was intentional; or (2) in any class action under subsection (a)(2)\n(B), the frequency and persistence of noncompliance by the debt collector, the nature of\nsuch noncompliance, the resources of the debt collector, the number of persons adversely\naffected, and the extent to which the debt collectors noncompliance was intentional. (c)\nIntent A debt collector may not be held liable in any action brought under this subchapter if\nthe debt collector shows by a preponderance of evidence that the violation was not\nintentional and resulted from a bona fide error notwithstanding the maintenance of\nprocedures reasonably adapted to avoid any such error. (d) Jurisdiction An action to\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nenforce any liability created by this subchapter may be brought in any appropriate United\nStates district court without regard to the amount in controversy, or in any other court of\ncompetent jurisdiction, within one year from the date on which the violation occurs. (e)\nAdvisory opinions of Bureau No provision of this section imposing any liability shall apply to\nany act done or omitted in good faith in conformity with any advisory opinion of the Bureau,\nnotwithstanding that after such act or omission has occurred, such opinion is amended,\nrescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S.\nCode  1642 - Issuance of credit cards No credit card shall be issued except in response to\na request or application therefor. This prohibition does not apply to the issuance of a credit\ncard in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation\nof debts (a) Notice of debt; contents Within XXXX  days after the initial communication with a\nconsumer in connection with the collection of any debt, a debt collector shall, unless the\nfollowing information is contained in the initial communication or the consumer has paid\nthe debt, send the consumer a written notice containing (1) the amount of the debt; (2) the\nname of the creditor to whom the debt is owed; (3) a statement that unless the consumer,\nwithin thirty days after receipt of the notice, disputes the validity of the debt, or any portion\nthereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the\nconsumer notifies the debt collector in writing within the thirty-day period that the debt, or\nany portion thereof, is disputed, the debt collector will obtain verification of the debt or a\ncopy of a judgment against the consumer and a copy of such verification or judgment will\nbe mailed to the consumer by the debt collector; and (5) a statement that, upon the\nconsumers written request within the thirty-day period, the debt collector will provide the\nconsumer with the name and address of the original creditor, if different from the current\ncreditor. (b) Disputed debts If the consumer notifies the debt collector in writing within the\nthirty-day period described in subsection (a) that the debt, or any portion thereof, is\ndisputed, or that the consumer requests the name and address of the original creditor, the\ndebt collector shall cease collection of the debt, or any disputed portion thereof, until the\ndebt collector obtains verification of the debt or a copy of a judgment, or the name and\naddress of the original creditor, and a copy of such verification or judgment, or name and\naddress of the original creditor, is mailed to the consumer by the debt collector. Collection\nactivities and communications that do not otherwise violate this subchapter may continue\nduring the XXXX-day period referred to in subsection (a) unless the consumer has notified the\ndebt collector in writing that the debt, or any portion of the debt, is disputed or that the\nconsumer requests the name and address of the original creditor. Any collection activities\nand communication during the XXXX-day period may not overshadow or be inconsistent with\nthe disclosure of the consumers right to dispute the debt or request the name and address\nof the original creditor. (c) Admission of liability The failure of a consumer to dispute the\nvalidity of a debt under this section may not be construed by any court as an admission of\nliability by the consumer. (d) Legal pleadings A communication in the form of a formal\npleading in a civil action shall not be treated as an initial communication for purposes of\nsubsection (a). (e) Notice provisions The sending or delivery of any form or notice which\ndoes not relate to the collection of a debt and is expressly required by XXXX  XXXX, title V of\nGramm-Leach-Bliley Act [15 U.S.C. 6801 et seq.], or any provision of Federal or State law\nrelating to notice of data security breach or privacy, or any regulation prescribed under any\nsuch provision of law, shall not be treated as an initial communication in connection with\ndebt collection for purposes of this section. 15 U.S. Code  1681q - Obtaining information\nunder false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully\nobtains information on a consumer from a consumer reporting agency under false\npretenses shall be fined under XXXX XXXX imprisoned for not more than XXXX  years, or both. To\nwho it may concern , After viewing a copy of my credit report, I noticed a collection account\nplaced on my credit report from you in XXXX  I am requesting that you allow me to validate\nthe alleged debt. I am unaware of any outstanding medical bills that I possess, and I am\nseeking the name and hospital/medical provider to which I owe the debt and a detailed\nbreakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance\nPortability and Accountability Act (HIPAA] to protect my privacy and medical records from\nthird parties. I did not give permission to any of my current or prior medical providers to\nrelease any of my medical information to a third party. I am aware that the HIPAA does\nallows the release of limited information about me but anything more is to only be revealed\nwith the patient's authorization. Therefore, my request is twofold-validation of debt and\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX  HIPAA authorization.  Please provide breakdown of fees including any collection costs and\nmedical charges.  Provide a copy of my signature with the provider of service to release my\nmedical information to you.Cease any credit bureau reporting until the debt has been\nvalidated by me, Please send this information to my address listed above and accept this\nletter, sent certified mail, as my formal debt validation request, which I am allowed under the\nFDCPA. Please note that withholding the information you received from any medical\nprovider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you\nwill be deceiving me after my written request. I request full documentation of what you\nreceived from the provider of service in connection with this alleged debt. Additionally, any\nreporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of\nthe Fair Credit Reporting Act, which can allow me to seek damages from a collection\nagency. I will await your reply with above requested proof. Upon receiving it, I will\ncorrespond back by certified mail.\nI reserved all my rights to amend this Contract the Finance Manager Requested that I give it to the Dealership I have advised the Seller  told the buyer that I XXXX XXXX XXXX Private Individual Banker is a Beneficiary Of my trust and this is a Purchase for my trust XXXX XXXX XXXX XXXX XXXX XXXX request that they  will accept my TENDER OF PAYMENT for settlement of this account to be (balance to .00) on the books and to file IRS FORMS 1099s to properly balance the United States Treasury Debt I have signed this contract and I have not give my rights to amended this contract on Date:XXXX signed by the Beneficiary XXXX XXXX Private Individual Banker ESTATE /TRUST Exempt Form Levy I reserve all my rights WITHOUT RECOURSE UCC1-308 I will be using my credit for this transaction and not paying in cash and I have send my letter to the Finance Manager by email he requested they I send a tender of payment to retrieve my property I need to have cash or a check and which he have received and told me to send it to bank and it been over XXXX  and I have the right to receive my property and use my credit for this transaction and dont have to use cash or and any other payment of XXXX XXXX XXXX XXXX  We the people have the right to use credit or a tender of payment and if its not accepted by the party or Leander or vendor it is discharged by law all debt is obligation to the United States. Your company didnt disclose any truth in lending or cannot show me where I can send it to panties with cash, and I was trying to pay with my internal credit and not actual funds this is my GOD Giving rights and by law show me where it stated in law where I cant use my credit for this transaction or cant use negotiable instruments. I do not consent to your contract for FCRAAs a federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal 15 USC 1602. And I would like conversation for all the violations.\n16 CFR  313.1 - Purpose and scope. \n\tCFR \n\tTable of Popular Names\nprev | next\n XXXX  Purpose and scope.\n(a) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph (b) of this section. This part: \n(1) Requires a financial institution in specified circumstances to provide notice to  customers about its privacy policies and practices; \n(2) Describes the conditions under which a financial institution may disclose  nonpublic personal information about consumers to nonaffiliated third parties; and \n(3) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX XXXX, and 313.15. \n(b) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission(Commission) has rulemaking authority pursuant to section 504(a)(1)(C) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4(k) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843(k), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519(b) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.\n[65 FR 33677, XXXX XXXX XXXX  as amended at 86 FR 70025, XXXX XXXX XXXX\n16 CFR  433.2 - Preservation of consumers' claims and defenses, unfair or deceptive acts or practices. \n\tCFR \n\tTable of Popular Names\nprev | next\n XXXX  Preservation of consumers' claims and defenses, unfair or deceptive acts or practices.\nIn connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive  act or practice within the meaning of section XXXX of that  Act for a  seller, directly or indirectly, to:\n(a) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type:\nNOTICE\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\nor,\n(b) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan (as  purchase money loan is defined herein), unless any consumer credit contract made in connection with such  purchase money loan contains the following provision in at least ten point, bold face, type:\nNOTICE\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR","date_sent_to_company":"2024-11-06T18:03:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"10717011","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-06T17:25:23.000Z","state":"NE","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":["Code  1666b - <em>Timing</em> of payments (a) Time to make payments A\ncreditor may not treat a payment on a credit card account under an open end consumer\ncredit plan as late for any purpose, unless the creditor has adopted reasonable procedures\ndesigned to ensure that each periodic <em>statement</em> <em>including</em> the information required by\nsection 1637(b) of this title is mailed or delivered to the consumer not later than XXXX  days\nbefore the payment due date."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.1776066,"10717011"]},{"_index":"complaint-public-v1","_id":"10718799","_score":6.7938175,"_source":{"product":"Debt collection","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX Nebraska XXXX United States of American I XXXX XXXX XXXX , have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \nXXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS [ XXXX PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID XXXX XXXX THIS ACCOUNT XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHT NAT ACCTSYS XX/XX/XXXX have VIOLATED MY RIGHTS I WIL LIKE {$1000.00} dollar for every violation its stopped me from gettIng a place to live and I have already sent letters and emails no response back delete these accounts immediately IMMEDIATE AND SEND CHECK BY MAIL. These accounts dose not match on all credit reports please delete 15 USC 1681e ( B ) NAT ACCT SYS : XXXX  ) CHILD SUPPORT : XXXX, XXXX and XXXX XXXX have removed and deleted this child support. I would like for XXXX and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. TENNESSEE DEPT. OF H : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES COURT OF APPEALS FOR THE XXXX XXXX XXXX XXXX Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX Respondents, XXXX XXXX XXXX whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three principal factors determine whether a statutory provision creates a privately 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the XXXX insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Without prejudice UCC 1-308 all rights reserved 15 U.S. Code 1692f - Unfair practices U.S. Code Notes A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumerregarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. \n\n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. \n( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095.\n\n)\n\n18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.\n\n( b ) The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than five identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( 5 ) of such subsection ; or ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; ( 2 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ 1 ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( 3 ) or ( 7 ) of such subsection ; ( 3 ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section 929 ( a ) ( 2 ) ) ; ( B ) in connection with a crime of violence ( as defined in section 924 ( c ) ( 3 ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( 4 ) a fine under this title or imprisonment for not more than 30 years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section 2331 ( 5 ) of this title ) or an act of international terrorism ( as defined in section 2331 ( 1 ) of this title ) ; ( 5 ) in the case of any offense under subsection ( a ), forfeiture to the United States of any personal property used or intended to be used to commit the offense ; and ( 6 ) a fine under th","date_sent_to_company":"2024-11-13T15:50:19.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"10718799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Account Systems of Omaha, LLC","date_received":"2024-11-06T18:11:21.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>provides</em> a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the <em>billing</em> cycle of which such period is a part, unless a <em>statement</em> which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the <em>statement</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[6.7938175,"10718799"]},{"_index":"complaint-public-v1","_id":"6681290","_score":4.4667006,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \n\nThe two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).\n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! \n2. XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.\n\nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. \n( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX  Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:08:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-03-11T16:07:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["I did NOT consent neither did I <em>provide</em> written notice to you to report account status. Pursuant to 15 USC 1666b <em>timing</em> of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit."],"sub_issue":["<em>Billing</em> dispute for services"]},"sort":[4.4667006,"6681290"]},{"_index":"complaint-public-v1","_id":"6681220","_score":4.4667006,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The XXXX submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. XXXX XXXX XXXX XXXX XXXX XXXX.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) TRANSUNION INTERMEDIATE HOLDINGS, XXXX, XXXX XXXX XXXX INC.And XXXX, INC.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXXTRANSUNION continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX 31 U.S. Code 5312 - Definitions and application The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, TRANSUNION INTERMEDIATE HOLDINGS , INC., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.\n\nThe two provisions that empower FinCEN to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes FinCEN to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ). \n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of BSA and FinCEN regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF TRANSUNION CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed XXXX XXXX \nXXXX XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction. \nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with 31 U.S.C. 5103 and 18 USC 8, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the fX and are THE EQUIVALENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR 192 ACT OF 1933 PUBLIC LAW 73-10 31 U.S.C. 3123 - U.S. Code - Unannotated Title 31. Money and Finance 3123. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.\n\n( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION 5151 OF THIS TITLE. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. CITE AS : 31 USC 3123. 12 U.S. Code 461 - Reserve requirements- 5 ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the Board of Directors of the Federal Deposit Insurance Corporation, the Comptroller of the Currency, and the National Credit Union Administration Board, the Board of Governors of the Federal Reserve System is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit may be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( TRANSUNION INTERMEDIATE HOLDINGS Inc ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by Transunion on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, TRANSUNION is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Transunion investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account number XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC . \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT ( XXXX ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX XXXX date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT US AMERICA CORPORATION is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:07:45.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-11T15:39:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["I did NOT consent neither did I <em>provide</em> written notice to you to report account status. Pursuant to 15 USC 1666b <em>timing</em> of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Billing</em> dispute for services"]},"sort":[4.4667006,"6681220"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":24,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":24}]}},"product":{"doc_count":24,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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