{"took":1316,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":85,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17936937","_score":19.156427,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX Credit Collection Services Account XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, I formally dispute the alleged debt referenced above and request validation under the FDCPA. Provide all required documentation showing that the debt is mine and legally collectible. \n\nStop all collection and reporting activity until validation is supplied. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-26T23:53:55.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17936937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-11-26T23:42:55.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX Credit Collection Services <em>Account</em> XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> <em>Ending</em> XXXX To <em>Whom</em> It May Concern, I formally dispute the alleged debt referenced above and request validation under the FDCPA. Provide all required documentation showing that the debt is mine and legally collectible. \n\nStop all collection and reporting activity until validation is supplied. \n\nSincerely, XXXX XXXX XXXX XXXX"]},"sort":[19.156427,"17936937"]},{"_index":"complaint-public-v1","_id":"17870761","_score":19.156427,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX. XXXX XXXX XXXX Account XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This is a formal demand for validation of the alleged debt above. I dispute this debt and request proper documentation showing ownership, itemization, and collection rights. \n\nUntil validated, stop all collection activity and reporting. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-09T14:09:31.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17870761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-26T22:22:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX <em>Account</em> XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> <em>Ending</em> XXXX To <em>Whom</em> It May Concern, This is a formal demand for validation of the alleged debt above. I dispute this debt and request proper documentation showing ownership, itemization, and collection rights. \n\nUntil validated, stop all collection activity and reporting. \n\nSincerely, XXXX XXXX XXXX XXXX"]},"sort":[19.156427,"17870761"]},{"_index":"complaint-public-v1","_id":"17968500","_score":18.16038,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates Account XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC Attn : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This is a formal request for validation of the above-referenced debt pursuant to the FDCPA. I dispute this debt in its entirety and request proper verification.\n\nPlease supply documentation showing : Your authorization to collect, The original creditor, A full breakdown of the amount claimed, and A copy of the original signed agreement.\n\nUntil validated, cease all collection and credit reporting activity. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-26T21:27:40.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17968500","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-11-26T21:09:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Portfolio Recovery Associates <em>Account</em> XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC Attn : <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> <em>Ending</em> XXXX To <em>Whom</em> It May Concern, This is a formal request for validation of the above-referenced debt pursuant to the FDCPA. I dispute this debt in its entirety and request proper verification."]},"sort":[18.16038,"17968500"]},{"_index":"complaint-public-v1","_id":"17938016","_score":15.251659,"_source":{"product":"Debt collection","complaint_what_happened":"1. Credit Collection Services Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Date : XX/XX/year> Credit Collection Services Attn : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the debt referenced above and requesting full verification.\n\nPlease provide : 1. Proof that the alleged debt belongs to me ; 2. The name and address of the original creditor ; 3. A complete itemization of the amount ; 4. A copy of the original agreement bearing my signature ; 5. Proof that your agency has the legal right to collect this debt. \n\nUntil this information is provided, you must cease all collection activity and reporting to any credit bureau. Failure to validate requires removal of this account from all credit reports. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-26T20:48:14.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17938016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-11-26T20:30:36.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Credit Collection Services <em>Account</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Date : XX/XX/year> Credit Collection Services Attn : <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> <em>Ending</em> XXXX To <em>Whom</em> It May Concern, This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the debt referenced above and requesting full verification.\n\nPlease provide : 1."]},"sort":[15.251659,"17938016"]},{"_index":"complaint-public-v1","_id":"17752012","_score":14.91292,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Capital One Bank ( USA ), N.A. \nAttn : Customer Relations / Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : CEASE AND DESIST Unauthorized Disclosures & Electronic Transfer Activity Account Ending in : XXXX To Whom It May Concern, I am formally notifying Capital One Bank ( USA ), N.A. to cease and desist from any further unauthorized disclosures, electronic fund transfers, or changes to my account terms that violate the Electronic Fund Transfer Act ( EFTA ), specifically 15 U.S.C. 1693c, which governs mandatory disclosures of terms, conditions, and electronic transfer authorizations.\n\nUnder 15 U.S.C. 1693c, you are required to clearly disclose all terms, conditions, and liabilities related to electronic fund transfers on my account. I am exercising my rights under this statute and hereby demand : 1. Immediate cessation of any unauthorized or unexplained electronic withdrawals, transfers, or charges on my Capital One account ending in XXXX. \n2. Immediate cessation of any sharing, releasing, or transferring of my personal or financial information to third parties without my express written authorization.\n\n3. Written confirmation of all currently authorized electronic fund transfers connected to this account.\n\n4. Copies of all disclosures required under 15 U.S.C. 1693c, including : Terms and conditions of electronic fund transfers Liability limitations Error-resolution procedures Fees, authorization forms, and any preauthorized transfer agreements Take notice that any continued unauthorized activity, failure to comply with federal disclosure requirements, or refusal to provide the documentation requested above will result in : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with my states Attorney General Potential pursuit of civil remedies available under federal law This letter serves as my formal assertion of rights. Please provide written acknowledgment of receipt and confirmation of compliance within 10 business days of the date of this letter.\n\nFailure to comply may constitute a knowing and willful violation of the Electronic Fund Transfer Act. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX Account Holder Capital One Account Ending in XXXX","date_sent_to_company":"2025-12-04T14:02:47.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"35806","tags":null,"has_narrative":true,"complaint_id":"17752012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-04T13:30:47.000Z","state":"AL","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Attn : Customer Relations / <em>Compliance</em> <em>Department</em> XXXX."],"issue":["Closing your <em>account</em>"],"sub_issue":["Can't close your <em>account</em>"]},"sort":[14.91292,"17752012"]},{"_index":"complaint-public-v1","_id":"15623767","_score":14.864035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Missing Credit Card Account XXXX To Whom It May Concern, I am writing to formally dispute the absence of my XXXX credit card account ending in XXXX from my credit report, as it has been missing for the past three months. XXXX XXXX Escalation Department has already escalated this issue to TransUnion 's management team for correction on XX/XX/XXXX, yet the matter remains unresolved. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), Consumer Reporting Agencies ( CRAs ) are required to maintain reasonable procedures to ensure the accuracy and completeness of the information in a consumer 's file. It is my understanding that your company is in violation of this mandate by failing to include my XXXX account in my credit report. \n\nFor your reference, please find the details below : - * * Account Name * * : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX : Ending in XXXXXXXX XXXX XXXX XXXX  Address for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX TransUnion Consumer Dispute Center Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please reinstate the missing account on my credit report to ensure compliance with the FCRA. \n\nThank you for your attention to this matter. I look forward to your swift response. \n\nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX [ XXXXXXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-08-30T20:44:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"15623767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-30T20:37:14.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Dispute Regarding Missing Credit Card <em>Account</em> XXXX To <em>Whom</em> It May Concern, I am writing to formally dispute the absence of my XXXX credit card <em>account</em> <em>ending</em> in XXXX from my credit report, as it has been missing for the past three months. XXXX XXXX Escalation <em>Department</em> has already escalated this issue to TransUnion 's management team for correction on XX/XX/XXXX, yet the matter remains unresolved."]},"sort":[14.864035,"15623767"]},{"_index":"complaint-public-v1","_id":"20184434","_score":14.802281,"_source":{"product":"Credit card","complaint_what_happened":"Concora Credit Customer Service / Credit Reporting Department Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payment Account : Destiny Credit Card ending in XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate late payment reported by your company on my credit file for my Destiny credit card account ending in XXXX. \n\nFirst, the account had been closed, and the payment was made on time. Therefore, the reporting of a late payment is inaccurate and misleading. \n\nSecond, your company is reporting this account under an incorrect name. My full legal name is XXXX XXXX XXXX XXXX, yet your records show XXXX XXXX, which is incomplete and inaccurate. Reporting under an incorrect consumer identity raises serious concerns regarding the accuracy and compliance of your reporting practices. \n\nThis inaccurate late payment is actively damaging my credit profile and interfering with an important financial negotiation I am currently pursuing for my home and my family. \n\nUnder the Fair Credit Reporting Act ( FCRA ), furnishers of information have a legal obligation to report information that is complete and accurate. Because this account is being reported inaccurately both in payment history and in the consumer name, I demand that this late payment be immediately removed from all credit bureaus, including XXXX XXXX and XXXXPlease investigate this matter promptly and update all credit reporting agencies accordingly. \n\nIf this issue is not corrected within a reasonable timeframe, I will have no choice but to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. \n\nI expect written confirmation once this inaccurate reporting has been corrected. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-03-11T22:55:54.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"34741","tags":null,"has_narrative":true,"complaint_id":"20184434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2026-03-11T22:16:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Concora Credit Customer Service / Credit Reporting <em>Department</em> Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payment <em>Account</em> : Destiny Credit Card <em>ending</em> in XXXX To <em>Whom</em> It May Concern, I am writing to formally dispute an inaccurate late payment reported by your company on my credit file for my Destiny credit card <em>account</em> <em>ending</em> in XXXX. \n\nFirst, the <em>account</em> had been closed, and the payment was made on time."]},"sort":[14.802281,"20184434"]},{"_index":"complaint-public-v1","_id":"21847410","_score":14.779517,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX Georgia XXXX Date : _ Bridgecrest Acceptance Corporation Attn : Correspondence Department XXXX. XXXX XXXX XXXX, AZ XXXX RE : Submission of Revocation of Power of Attorney and Notice of Rescission Account Ending XXXX To Whom It May Concern : Enclosed please find the following documents regarding my Bridgecrest account ending XXXX : 1. Revocation of Power of Attorney/ Authorization to Act 2. Notice of Rescission of Prior Authorizations These documents are being sent via Certified Mail to ensure proper receipt and documentation.\n\nUpon receipt, you are required to : - Update your internal records - Cease reliance on any prior authorizations - Limit all communication to written correspondence mailed to my address- Provide written confirmation of compliance Please respond within 15 business days.\n\nThank you for your prompt attention. \n\nSincerely, XXXX XXXX ( Signature ) _________________ AFFIDAVIT OF XXXX XXXX XXXX of XXXX XXXX of XXXX I, XXXX XXXX, being duly sworn, depose and state as follows : 1. I am the individual associated with Bridgecrest account ending XXXX. \n2. On the date indicated below, I issued a Revocation of Power of Attorney / Authorization to Act, formally terminating any authority previously granted to Bridgecrest, XXXX, their agents, affiliates, or representatives. \n3. I also issued a Notice of Rescission, withdrawing and rescinding any prior authorizations, consents, permissions, or agreements that may have allowed Bridgecrest or its affiliates to act on my behalf or handle my personal information.\n\n4. These documents were prepared and submitted voluntarily, knowingly, and without coercion.\n\n5. The statements contained in the Revocation and Rescission documents are true, accurate, and correct to the best of my knowledge.\n\n6. I request that Bridgecrest update its records immediately and comply with all federal and state laws regarding consumer rights, communication, and data handling.\n\nI affirm under penalty of perjury that the foregoing is true and correct. \n\n\nXXXX XXXX Affiant Date : _ NOTARY ACKNOWLEDGMENT State of XXXX XXXX of _ ____________________ Subscribed and sworn before me on this day of __________________ by XXXX XXXX, who personally appeared before me and provided satisfactory evidence of identity. \n\n\nXXXX XXXX XXXX XXXX XXXX : _ _______________________ XXXX XXXX XXXX XXXX XXXX XXXX P.O. XXXX XXXX Conyers, Georgia XXXX Date : XXXX Bridgecrest Acceptance Corporation XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Second Notice Failure to Acknowledge Revocation and Rescission ( Account Ending XXXX ) To Whom It May Concern : This letter serves as a formal followup to my prior correspondence sent via Certified Mail on [ insert date ], which included : - Revocation of Power of Attorney / Authorization to Act - Notice of Rescission of Prior Authorizations To date, I have not received written confirmation that Bridgecrest has updated its records as required.\n\nYou are hereby notified that : 1. The revocation and rescission remain fully in effect.\n\n2. Any continued reliance on prior authorizations constitutes knowing noncompliance with the FCRA, FDCPA, and Georgia consumer protection laws.\n\n3. I require written confirmation within 10 business days of receipt of this notice.\n\nFailure to comply may result in : - Filing complaints with the CFPB, FTC, and Georgia Attorney General - Additional legal remedies available under state and federal law This notice is issued in good faith and with the expectation of prompt compliance. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-05-04T12:16:47.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"21847410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2026-05-04T12:08:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX Georgia XXXX Date : _ Bridgecrest Acceptance Corporation Attn : Correspondence <em>Department</em> XXXX. XXXX XXXX XXXX, AZ XXXX RE : Submission of Revocation of Power of Attorney and Notice of Rescission <em>Account</em> <em>Ending</em> XXXX To <em>Whom</em> It May Concern : Enclosed please find the following documents regarding my Bridgecrest <em>account</em> <em>ending</em> XXXX : 1. Revocation of Power of Attorney/ Authorization to Act 2."],"sub_issue":["<em>Account</em> reinstatement or redemption after repossession"]},"sort":[14.779517,"21847410"]},{"_index":"complaint-public-v1","_id":"16240832","_score":14.5724535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX By Certified Mail Return Receipt Requested Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Identity-Theft & Data Breach Dispute Demand for Immediate Blocking of Fraudulent Information Under FCRA 605B To Whom It May Concern, This letter serves as my FOURTH FORMAL DEMAND for Experian to comply with its obligations under the Fair Credit Reporting Act. I am the victim of a data breach and identity theft. My information has been found on the dark web and continues to be misused. \nUnauthorized and fraudulent accounts were reported on my credit file, previously removed after dispute, but have now been re-added. This is an unlawful practice and a willful violation of my consumer rights. \nMy Demands Under FCRA 605B : 1. Immediate Blocking/Removal : Under 15 U.S.C. 1681c-2, Experian must block and permanently remove all fraudulent information from my file without delay.\n\n2. Verification Methods : Provide, in writing, the exact method ( s ), documentation, and procedures used to verify these accounts. This includes but is not limited to applications, contracts, signatures, or communications allegedly linking me to these accounts.\n\n3. Deadline : I demand full compliance within four ( 4 ) business days of receipt of this notice.\n\n4. Legal & Arbitration Notice : Should Experian fail to comply, I will immediately escalate by filing complaints with the CFPB, FTC, and State Attorney General. Furthermore, because Experian is contractually bound by its own Arbitration Clause, I hereby place Experian on notice that I intend to pursue binding arbitration for damages, attorney fees, and injunctive relief if this matter is not resolved within the stated time frame. \nThis repeated failure to resolve my disputes demonstrates negligence, bad faith, and systemic noncompliance. Experian has now had multiple opportunities ( this being my fourth ) to correct this issue and has instead chosen to re-report fraudulent data, directly harming me. \nSpecific Disputed Accounts ( fraudulent and re-reported ) : - XX/XX/XXXXXXXX Account ending in XXXX - XXXX XXXX Bank XXXX Account ending in XXXX - XXXX Bank XXXX Account ending in XXXX - XXXX XXXX XXXX Account ending in XXXX - XXXX XXXX Bank XXXX Account ending in XXXX ( Secured Loan, opened XX/XX/XXXX, closed XX/XX/XXXX ) - XXXX XXXX Bank XXXX Account ending in XXXX ( Secured LOC, opened XX/XX/XXXX, closed XX/XX/XXXX ) - Account ending in XXXX ( Education, opened XX/XX/XXXX, closed ) Documentation Included : - Copy of my government-issued ID - FTC Identity Theft Report / Police Report ( if available ) - Copy of Experian credit report highlighting unauthorized items This letter is written in good faith, but it should be understood as a final opportunity before I seek legal and arbitral remedies. You are expected to act in full compliance with the law. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-29T18:41:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77386","tags":null,"has_narrative":true,"complaint_id":"16240832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-29T18:40:57.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specific Disputed <em>Accounts</em> ( fraudulent and re-reported ) : - XX/XX/XXXXXXXX <em>Account</em> <em>ending</em> in XXXX - XXXX XXXX Bank XXXX <em>Account</em> <em>ending</em> in XXXX - XXXX Bank XXXX <em>Account</em> <em>ending</em> in XXXX - XXXX XXXX XXXX <em>Account</em> <em>ending</em> in XXXX - XXXX XXXX Bank XXXX <em>Account</em> <em>ending</em> in XXXX ( Secured Loan, opened XX/XX/XXXX, closed XX/XX/XXXX ) - XXXX XXXX Bank XXXX <em>Account</em> <em>ending</em> in XXXX ( Secured LOC, opened XX/XX/XXXX, closed XX/XX/XXXX ) - <em>Account</em> <em>ending</em> in XXXX ( Education, opened XX/XX/XXXX, closed ) Documentation"]},"sort":[14.5724535,"16240832"]},{"_index":"complaint-public-v1","_id":"18950178","_score":14.122945,"_source":{"product":"Debt collection","complaint_what_happened":"Santander Consumer USA XXXX XXXX. \nAttn : Legal / Compliance Department Re : Account Ending XXXX Signature Not Mine To Whom It XXXX Concern, I am formally disputing the above-referenced account and demanding immediate cessation of collection and credit reporting activity. \n\nThe signature on the alleged retail installment contract is not my signature. I did not sign, authorize, or consent to any agreement with Santander Consumer USA regarding this account. \n\nA contract executed without consent is XXXX XXXX XXXX and unenforceable ( XXXX XXXX FDIC, XXXX XXXX XXXX, XXXX ( 1987 ) ; Restatement ( Second ) of Contracts XXXX ). Continued collection or reporting of an account based on a disputed or forged signature constitutes false representation and inaccurate credit reporting. \n\nDemand for XXXX XXXX to XXXX XXXX. XXXX ( b ) and applicable state law, I demand that Santander provide : XXXX. The original signed contract bearing my authenticated signature XXXX. Any signature authentication or expert verification relied upon XXXX. A complete payment history and chain of title XXXX authenticated proof, you are required to : Cease all collection activity Request deletion of this tradeline from all credit reporting agencies Provide written confirmation of deletion Failure to comply will result in regulatory complaints and potential civil action. \n\nThis letter is not an acknowledgment of liability and all rights are reserved. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-23T12:13:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"32701","tags":null,"has_narrative":true,"complaint_id":"18950178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2026-01-23T11:59:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Attn : Legal / <em>Compliance</em> <em>Department</em> Re : <em>Account</em> <em>Ending</em> XXXX Signature Not Mine To <em>Whom</em> It XXXX Concern, I am formally disputing the above-referenced <em>account</em> and demanding immediate cessation of collection and credit reporting activity. \n\nThe signature on the alleged retail installment contract is not my signature. I did not sign, authorize, or consent to any agreement with Santander Consumer USA regarding this <em>account</em>."]},"sort":[14.122945,"18950178"]},{"_index":"complaint-public-v1","_id":"8880734","_score":13.832282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. \n\nDemand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. \nCorrespondence or transaction records that validate the reported data. \nVerification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the \" Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. \n\nResolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. \n\nI expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. \n\n\ncc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-29T22:27:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11433","tags":null,"has_narrative":true,"complaint_id":"8880734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T22:20:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax Information Services LLC Dispute Resolution <em>Department</em> XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To <em>Whom</em> It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the <em>account</em> <em>ending</em> in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file."]},"sort":[13.832282,"8880734"]},{"_index":"complaint-public-v1","_id":"15586445","_score":13.309924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent Accounts and Inquiries New FTC Complaint # : XXXX To Whom It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized account information on my Equifax credit file. This letter serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state laws.\n\nIdentity Theft Report and Notice of Dispute I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the result of identity theft : Fraudulent Accounts to be Removed XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$32000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX XXXXXXXX Reported Balance : {$5000.00} Past Due : {$270.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Acct ending XXXX XXXX Reported Balance : {$920.00} Past Due : {$460.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX  XXXX Reported Balance : {$37000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$2500.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$6000.00} Past Due : {$140.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Legal Basis for Immediate Deletion Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report data they know or should know is inaccurate. Reporting these fraudulent accounts after receipt of this identity theft dispute constitutes willful noncompliance with the FCRA and exposes Equifax to liability for statutory and punitive damages.\n\nI hereby demand that Equifax : 1. Cease and desist reporting, collecting, or communicating any data related to the fraudulent accounts listed above. \n2. Delete all records of the fraudulent accounts from my credit file.\n\n3. Block further dissemination or sale of my personal data without express written consent.\n\n4. Notify all furnishers and credit bureaus of the removals.\n\n5. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this notice.\n\nEnclosures Copy of FTC Identity Theft Report Copies of supporting evidence/documentation ( e.g., police report, affidavit, proof of identity ) Notice of Enforcement Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorneys general. I also reserve the right to pursue civil litigation for statutory, actual, and punitive damages. \n\nI expect your prompt compliance and written confirmation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-28T16:06:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"15586445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T16:06:16.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud <em>Department</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent <em>Accounts</em> and Inquiries New FTC Complaint # : XXXX To <em>Whom</em> It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized <em>account</em> information on my Equifax credit file."]},"sort":[13.309924,"15586445"]},{"_index":"complaint-public-v1","_id":"15586444","_score":13.281589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent Accounts and Inquiries New FTC Complaint # : XXXX To Whom It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized account information on my Equifax credit file. This letter serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state laws.\n\nIdentity Theft Report and Notice of Dispute I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the result of identity theft : Fraudulent Accounts to be Removed XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$32000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX XXXXXXXX Reported Balance : {$5000.00} Past Due : {$270.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Acct ending XXXX XXXX Reported Balance : {$920.00} Past Due : {$460.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX  XXXX Reported Balance : {$37000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$2500.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$6000.00} Past Due : {$140.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Legal Basis for Immediate Deletion Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report data they know or should know is inaccurate. Reporting these fraudulent accounts after receipt of this identity theft dispute constitutes willful noncompliance with the FCRA and exposes Equifax to liability for statutory and punitive damages.\n\nI hereby demand that Equifax : 1. Cease and desist reporting, collecting, or communicating any data related to the fraudulent accounts listed above. \n2. Delete all records of the fraudulent accounts from my credit file.\n\n3. Block further dissemination or sale of my personal data without express written consent.\n\n4. Notify all furnishers and credit bureaus of the removals.\n\n5. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this notice.\n\nEnclosures Copy of FTC Identity Theft Report Copies of supporting evidence/documentation ( e.g., police report, affidavit, proof of identity ) Notice of Enforcement Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorneys general. I also reserve the right to pursue civil litigation for statutory, actual, and punitive damages. \n\nI expect your prompt compliance and written confirmation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-28T16:06:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"15586444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T16:06:16.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud <em>Department</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent <em>Accounts</em> and Inquiries New FTC Complaint # : XXXX To <em>Whom</em> It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized <em>account</em> information on my Equifax credit file."]},"sort":[13.281589,"15586444"]},{"_index":"complaint-public-v1","_id":"15572102","_score":13.281589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent Accounts and Inquiries New FTC Complaint # : XXXX To Whom It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized account information on my Equifax credit file. This letter serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state laws.\n\nIdentity Theft Report and Notice of Dispute I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the result of identity theft : Fraudulent Accounts to be Removed XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$32000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX XXXXXXXX Reported Balance : {$5000.00} Past Due : {$270.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Acct ending XXXX XXXX Reported Balance : {$920.00} Past Due : {$460.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX  XXXX Reported Balance : {$37000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$2500.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$6000.00} Past Due : {$140.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Legal Basis for Immediate Deletion Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report data they know or should know is inaccurate. Reporting these fraudulent accounts after receipt of this identity theft dispute constitutes willful noncompliance with the FCRA and exposes Equifax to liability for statutory and punitive damages.\n\nI hereby demand that Equifax : 1. Cease and desist reporting, collecting, or communicating any data related to the fraudulent accounts listed above. \n2. Delete all records of the fraudulent accounts from my credit file.\n\n3. Block further dissemination or sale of my personal data without express written consent.\n\n4. Notify all furnishers and credit bureaus of the removals.\n\n5. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this notice.\n\nEnclosures Copy of FTC Identity Theft Report Copies of supporting evidence/documentation ( e.g., police report, affidavit, proof of identity ) Notice of Enforcement Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorneys general. I also reserve the right to pursue civil litigation for statutory, actual, and punitive damages. \n\nI expect your prompt compliance and written confirmation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-28T16:06:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"15572102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T16:00:29.000Z","state":"AR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud <em>Department</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent <em>Accounts</em> and Inquiries New FTC Complaint # : XXXX To <em>Whom</em> It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized <em>account</em> information on my Equifax credit file."]},"sort":[13.281589,"15572102"]},{"_index":"complaint-public-v1","_id":"11545955","_score":13.269438,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian Dispute Department Subject : Dispute of Accuracy of XXXX XXXX XXXXXXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXXXXXX account ending in XXXX that has been reported on my credit file. I believe this account has been reported inaccurately and fraudulently. Attached to this letter is a police report I filed, which documents the fraudulent nature of this account. \nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i Experian is required to : 1. Investigate Disputed Information, Conduct a thorough investigation into the accuracy of all details reported about this account.\n\n2. Ensure Accuracy, Verify that every piece of information is accurate, complete, and belongs to me.\n\n3. Provide Results, Supply me with the findings of your investigation, including the specific steps taken to verify the information with XXXX XXXX XXXXXXXX. \n4. Correct or Delete Inaccuracies, Remove this account immediately if it is found to be unverifiable, inaccurate, or incomplete. \nTo comply with the FCRA, I request Experian verify : The accuracy of all information reported by XXXX XXXX  XXXX, including dates, balances, and alleged activity on this account. \nProof of a valid and binding agreement bearing my signature or legal consent. \nAny supporting documentation XXXX XXXX XXXXXXXX has provided to substantiate the legitimacy of this account. \nIf Experian can not verify the accuracy of this account in full compliance with the law, I demand its immediate removal from my credit file under 15 U.S.C. 1681c 2 which addresses accounts resulting from identity theft. I trust that you will treat this matter with the seriousness it deserves and ensure that all reporting on my credit file is 100 % accurate and compliant with federal law. Please respond in writing within the 30 day timeframe required by the FCRA and provide an updated copy of my credit report reflecting any necessary corrections. \nFailure to comply with these requirements will result in my filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. \nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX social Security XXXX Attachments : police report","date_sent_to_company":"2025-01-15T22:36:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"11545955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T22:18:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian Dispute <em>Department</em> Subject : Dispute of Accuracy of XXXX XXXX XXXXXXXX <em>Account</em> <em>Ending</em> in XXXX To <em>Whom</em> It May Concern, I am writing to formally dispute the XXXX XXXX XXXXXXXX <em>account</em> <em>ending</em> in XXXX that has been reported on my credit file. I believe this <em>account</em> has been reported inaccurately and fraudulently. Attached to this letter is a police report I filed, which documents the fraudulent nature of this <em>account</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.269438,"11545955"]},{"_index":"complaint-public-v1","_id":"14345198","_score":12.142885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax Inc. \n\nAttn : Legal Department / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Compliance and Preservation of Evidence FCRA Violation and Misrepresentation To Whom It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report. \n\n\n\nVIOLATION OF FCRA & FALSE REPRESENTATION On XX/XX/year>, I spoke with Equifax Supervisor XXXX, who claimed that a reinsertion notice had been mailed to me on XX/XX/year>, and provided confirmation number ending in XXXX. \n\n\n\nOn XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I spoke with Equifax representative XXXX, who searched my file and verified that : No reinsertion notice was sent No letter exists in the system No mail was sent on XX/XX/year>, through any service, including XXXX, certified mail, or tracked delivery This contradiction represents not only a violation of my consumer rights but also intentional misrepresentation by Equifax staff. \n\n\n\nPRESERVATION OF CALL RECORDINGS I am hereby demanding that Equifax preserve and produce the full audio recordings for the following phone calls, which are legally relevant to this matter : XX/XX/year> at XXXX call with supervisor Soya who stated \" Equifax does not notify consumers they do not send out reinsertion notices '' XX/XX/year> Call with Supervisor XXXX XXXX where she confirmed a reinsertion notice was sent confirmation ending in XXXX XX/XX/year>, at XXXXXXXX XXXX XXXX Call with Representative XXXX XXXX who confirmed no reinsertion notice exists ending in XXXX no notice was sent out as she checked my profile, and sent notices tab no notice exists. \n\n\n\nYou are legally required to preserve these recordings as part of potential litigation and regulatory complaints. If Equifax fails to retain or disclose these records, I will consider that spoliation of evidence, which will be reported to the appropriate authorities. \n\n\n\nDEMAND FOR ACTION I am formally demanding that Equifax : XXXX. Immediately remove the reinserted account from my credit report due to failure to follow required reinsertion procedures XXXX. Provide a written explanation as to why the required reinsertion notice was not issued XXXX. Provide a copy of all outgoing mail records for XX/XX/year> XXXX. Produce the audio recordings of both calls listed above If I do not receive a full response and resolution within XXXX calendar days, I will file suit in XXXX XXXX small claims court and XXXX escalate the matter to federal court, as well as file complaints with the Illinois Attorney General and Federal Trade Commission. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-28T16:38:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"14345198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-28T16:13:09.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attn : Legal <em>Department</em> / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for <em>Compliance</em> and Preservation of Evidence FCRA Violation and Misrepresentation To <em>Whom</em> It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report."]},"sort":[12.142885,"14345198"]},{"_index":"complaint-public-v1","_id":"14346076","_score":12.132031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax Inc. \n\nAttn : Legal Department / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Compliance and Preservation of Evidence FCRA Violation and Misrepresentation To Whom It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report. \n\n\n\nVIOLATION OF FCRA & FALSE REPRESENTATION On XX/XX/year>, I spoke with Equifax Supervisor XXXX, who claimed that a reinsertion notice had been mailed to me on XX/XX/year>, and provided confirmation number ending in XXXX. \n\n\n\nOn XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I spoke with Equifax representative XXXX, who searched my file and verified that : No reinsertion notice was sent No letter exists in the system No mail was sent on XX/XX/year>, through any service, including XXXX, certified mail, or tracked delivery This contradiction represents not only a violation of my consumer rights but also intentional misrepresentation by Equifax staff. \n\n\n\nPRESERVATION OF CALL RECORDINGS I am hereby demanding that Equifax preserve and produce the full audio recordings for the following phone calls, which are legally relevant to this matter : XX/XX/year> at XXXX call with supervisor Soya who stated \" Equifax does not notify consumers they do not send out reinsertion notices '' XX/XX/year> Call with Supervisor XXXX XXXX where she confirmed a reinsertion notice was sent confirmation ending in XXXX XX/XX/year>, at XXXXXXXX XXXX XXXX Call with Representative XXXX XXXX who confirmed no reinsertion notice exists ending in XXXX no notice was sent out as she checked my profile, and sent notices tab no notice exists. \n\n\n\nYou are legally required to preserve these recordings as part of potential litigation and regulatory complaints. If Equifax fails to retain or disclose these records, I will consider that spoliation of evidence, which will be reported to the appropriate authorities. \n\n\n\nDEMAND FOR ACTION I am formally demanding that Equifax : XXXX. Immediately remove the reinserted account from my credit report due to failure to follow required reinsertion procedures XXXX. Provide a written explanation as to why the required reinsertion notice was not issued XXXX. Provide a copy of all outgoing mail records for XX/XX/year> XXXX. Produce the audio recordings of both calls listed above If I do not receive a full response and resolution within XXXX calendar days, I will file suit in XXXX XXXX small claims court and XXXX escalate the matter to federal court, as well as file complaints with the Illinois Attorney General and Federal Trade Commission. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-28T16:38:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"14346076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-28T16:38:02.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attn : Legal <em>Department</em> / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for <em>Compliance</em> and Preservation of Evidence FCRA Violation and Misrepresentation To <em>Whom</em> It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report."]},"sort":[12.132031,"14346076"]},{"_index":"complaint-public-v1","_id":"14353152","_score":12.128889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax Inc. \n\nAttn : Legal Department / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Compliance and Preservation of Evidence FCRA Violation and Misrepresentation To Whom It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report. \n\n\n\nVIOLATION OF FCRA & FALSE REPRESENTATION On XX/XX/year>, I spoke with Equifax Supervisor XXXX, who claimed that a reinsertion notice had been mailed to me on XX/XX/year>, and provided confirmation number ending in XXXX. \n\n\n\nOn XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I spoke with Equifax representative XXXX, who searched my file and verified that : No reinsertion notice was sent No letter exists in the system No mail was sent on XX/XX/year>, through any service, including XXXX, certified mail, or tracked delivery This contradiction represents not only a violation of my consumer rights but also intentional misrepresentation by Equifax staff. \n\n\n\nPRESERVATION OF CALL RECORDINGS I am hereby demanding that Equifax preserve and produce the full audio recordings for the following phone calls, which are legally relevant to this matter : XX/XX/year> at XXXX call with supervisor Soya who stated \" Equifax does not notify consumers they do not send out reinsertion notices '' XX/XX/year> Call with Supervisor XXXX XXXX where she confirmed a reinsertion notice was sent confirmation ending in XXXX XX/XX/year>, at XXXXXXXX XXXX XXXX Call with Representative XXXX XXXX who confirmed no reinsertion notice exists ending in XXXX no notice was sent out as she checked my profile, and sent notices tab no notice exists. \n\n\n\nYou are legally required to preserve these recordings as part of potential litigation and regulatory complaints. If Equifax fails to retain or disclose these records, I will consider that spoliation of evidence, which will be reported to the appropriate authorities. \n\n\n\nDEMAND FOR ACTION I am formally demanding that Equifax : XXXX. Immediately remove the reinserted account from my credit report due to failure to follow required reinsertion procedures XXXX. Provide a written explanation as to why the required reinsertion notice was not issued XXXX. Provide a copy of all outgoing mail records for XX/XX/year> XXXX. Produce the audio recordings of both calls listed above If I do not receive a full response and resolution within XXXX calendar days, I will file suit in XXXX XXXX small claims court and XXXX escalate the matter to federal court, as well as file complaints with the Illinois Attorney General and Federal Trade Commission. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-28T16:38:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"14353152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-28T16:38:02.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attn : Legal <em>Department</em> / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for <em>Compliance</em> and Preservation of Evidence FCRA Violation and Misrepresentation To <em>Whom</em> It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report."]},"sort":[12.128889,"14353152"]},{"_index":"complaint-public-v1","_id":"15191847","_score":11.849192,"_source":{"product":"Debt collection","complaint_what_happened":"ESCALATION LETTER TO CHASE Date : XX/XX/XXXX Escalation Letter to Chase XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX Department Chase Bank USA, XXXX. \nXXXX XXXX XXXXXXXX XXXX, IN XXXX Subject : Request for Full Documentation & Reconsideration of Dispute Decision Claim No. XXXX To Whom It May Concern : I am writing to formally dispute your denial of my claim regarding the unauthorized transaction from XXXX XXXX in the amount of {$3100.00}, posted to my account ending in XXXX. Your letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicate that your decision was based on \" information available at the time '' and/or \" previous account activity. '' Upon review of the documentation provided, I note that XXXX has only submitted a basic transaction record showing the merchant 's name, location, and amount. They did not provide an itemized invoice, signed rental agreement, date and time of the charge, or any proof of my authorization. This lack of evidence does not meet the standard of proof required for a valid dispute resolution under Regulation E ( 12 CFR 1005.11 ) or Regulation Z ( 12 CFR 1026.13 ), depending on the card type.\n\nAccordingly, I am requesting the following within 10 business days : A complete copy of all documentation, records, and evidence provided by XXXX in support of the charge, including but not limited to : Itemized invoice ( s ) for the {$3100.00} charge Date and time of each billed item Signed rental agreement or contract allegedly authorizing the charge Communications or notes between Chase and XXXX regarding this claim.\n\nA clear explanation of how Chase determined the charge was authorized despite the absence of itemized billing or proof of consent.\n\nA reconsideration of my dispute based on the incomplete documentation provided by the merchant.\n\nIf you can not produce the above records, I expect Chase to reverse the {$3100.00} charge immediately.\n\nIf this matter remains unresolved, I reserve all rights and remedies available under applicable law, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New York State Department of Financial Services, the New York State Attorney General 's Office, and pursuing arbitration as provided in the account agreement. Please treat this as a formal request under my right to receive all information relied upon in resolving my claim. I expect a written response within the timeframes required by federal law. \nSincerely, XXXX XXXX Account ending in XXXX Claim No. XXXX Case No : XXXX / # XXXX Contact : XXXX Chase Bank Executive Department CFPB COMPLAINT CFPB COMPLAINT Complainant Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Bank Information Institution : Chase Bank XXXX XXXX XXXX. \nCase No. : XXXX Additional Reference : # XXXX Executive Department Contact : XXXX Chase Bank Executive Department Complaint Summary I am disputing an unauthorized transaction from XXXX XXXX in the amount of {$3100.00} on my account ending in XXXX ( Claim No. XXXX ). I filed my claim on XX/XX/XXXX. Chase issued denial letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating the decision was based on \" information available at the time '' and/or \" previous account activity. '' After reviewing the correspondence and documentation provided, I discovered that XXXX only submitted a transaction record showing the merchant 's name, location, and amount. There was no itemized invoice, no signed rental agreement, no date/time details, and no proof of my authorization. Chase reversed the provisional credit without obtaining sufficient documentary evidence as required under applicable federal regulations and New York State banking laws. \nKey Issues : Incomplete Documentation from Merchant - XXXX did not provide an itemized bill, signed contract, or proof of my consent. \nInsufficient Basis for Denial - Chase 's denial appears to have been made without adequate supporting evidence as required under Regulation E ( 12 CFR 1005.11 ) or Regulation Z ( 12 CFR 1026.13 ), depending on card type. Failure to Provide Evidence to the Consumer- I have formally requested all documentation Chase relied upon, but they have not produced the complete merchant records.\n\nRequested Resolution : Provide me with all documentation used in deciding my claim, including the XXXX itemized invoice, signed rental agreement, and timestamps for the charge. If this documentation does not exist or can not be produced, reverse the {$3100.00} charge immediately. Ensure compliance with all consumer dispute investigation obligations under federal law. \n\nSupporting Evidence Attached : Chase denial letters ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) Disputed transaction page showing only merchant name, amount, and location. My written escalation request to Chase. \n\nSignature : XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2025-09-08T11:15:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"13027","tags":null,"has_narrative":true,"complaint_id":"15191847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-10T22:48:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX To <em>Whom</em> It May Concern : I am writing to formally dispute your denial of my claim regarding the unauthorized transaction from XXXX XXXX in the amount of {$3100.00}, posted to my <em>account</em> <em>ending</em> in XXXX."]},"sort":[11.849192,"15191847"]},{"_index":"complaint-public-v1","_id":"13759527","_score":11.63999,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is the completed CFPB complaint : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To XXXX XXXX XXXX, TransUnion Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a renewed formal dispute regarding the reporting of the following charge-off account. Although your records indicate the previous dispute was resolved, I am asserting that the item remains non-compliant with Metro 2 formatting standards and multiple sections of the Fair Credit Reporting Act ( FCRA ). I am demanding a full reinvestigation and permanent deletion due to unresolved reporting violations and insufficient verification. \n\nDisputed Account Information : Creditor : XXXX / XXXX Department XXXX Account Number : Ending in XXXX Type : Charge Account / Revolving Account Status : XXXX  Balance : {$530.00} Credit Limit : {$400.00} Available Credit : - {$130.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Failures Identified : - Balance exceeds the credit limit with no supporting compliance field ( over-limit reporting violation ) - No Date of Last Activity reported - 'Account Previously in Dispute Now Resolved by Data Furnisher ' is not a valid closure without consumer agreement or verification - Missing Consumer Information Indicator 'XXXX  ' or XXXX ' during dispute process - No Compliance Condition Code provided to justify derogatory status after resolution - Status and credit limit fields are inconsistent with a properly reported charge-off Applicable Legal Violations : - FCRA 611 : You are required to re-investigate disputed information when furnished with evidence of continued inaccuracy - FCRA 609 ( a ) : I request original documentation that proves the debt and charge-off status - FCRA 1681s-2 : You may not continue reporting inaccurate or incomplete information - FCRA 623 ( a ) ( 5 ) : Date of First Delinquency must be accurately maintained and supplied This account is currently being furnished in violation of federal law and Metro 2 compliance protocol. I am requesting its immediate removal from all reporting systems within 30 days. Please confirm the deletion in writing upon completion of your investigation. Failure to comply will result in escalation to the Consumer Financial Protection Bureau and all appropriate legal authorities. \n\nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-28T03:32:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"61109","tags":null,"has_narrative":true,"complaint_id":"13759527","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-28T03:32:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Disputed <em>Account</em> Information : Creditor : XXXX / XXXX <em>Department</em> XXXX <em>Account</em> Number : <em>Ending</em> in XXXX Type : Charge <em>Account</em> / Revolving <em>Account</em> Status : XXXX  Balance : {$530.00} Credit Limit : {$400.00} Available Credit : - {$130.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Failures Identified : - Balance exceeds the credit limit with no supporting <em>compliance</em> field ( over-limit reporting violation ) - No Date of Last Activity reported"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[11.63999,"13759527"]},{"_index":"complaint-public-v1","_id":"11782310","_score":11.606583,"_source":{"product":"Checking or savings account","complaint_what_happened":"Follow-Up on Complaint Regarding Mishandling of Claims by Wells Fargo To Whom It May Concern, This letter serves as a follow-up to my previously submitted complaint concerning Wells Fargos mishandling of error claims on my closed account ending in XXXX. The reported errors involve unauthorized international transactions in XXXX and XXXX. I have provided additional supporting documentation, including audio recordings, notices, and timelines, to demonstrate Wells Fargos violations of **Regulation E ( 12 CFR Part 1005 ) ** and improper handling of these claims. \n\nBelow is a detailed account of the issues, along with references to specific CFPB regulations that substantiate my claims. I request immediate intervention by the CFPB to ensure compliance and address the financial harm caused by these violations. \n\n1. Failure to Investigate the Correct Account ( XXXX ) Despite my explicit claims regarding errors on account ending in XXXX, Wells Fargo closed those claims and issued decisions for transactions on an unrecognized account ending in XXXX. This demonstrates a failure to investigate the correct account as required under **12 CFR 1005.11 ( c ) ( 4 ) ** : * '' A financial institution shall investigate the alleged error promptly and determine, within 10 business days of receiving a notice of error, whether an error occurred. \" * This negligence has caused unnecessary delays and additional financial harm.\n\n**2. Failure to Issue Provisional Credits Within 10 Business Days** Under **12 CFR 1005.11 ( c ) ( 2 ) ( i ) **, Wells Fargo was obligated to issue provisional credits for the reported transactions if the investigation could not be completed within **10 business days**. To date, no provisional credits have been issued for the transactions reported on account XXXX, a clear violation of Regulation E. \n\n**3. Improper Combination of Multiple Claims** Wells Fargo combined my 10 separate claims into a single claim without providing any explanation or justification. While administrative grouping may be acceptable, this must not compromise the thoroughness of the investigation or the resolution of individual claims. Regulation E requires financial institutions to investigate each claim fully and transparently.\n\n**4. Lack of Transparency in Investigation and Decisions** Wells Fargo has failed to provide detailed explanations of their investigation, findings, and why decisions were issued for account XXXX instead of account XXXX. Under **12 CFR 1005.11 ( d ) ( 1 ) **, financial institutions are required to provide consumers with a written explanation of their investigation, including their determination and supporting evidence.\n\n**5. Mismanagement During XX/XX/year>, Call With Supervisor XXXX On XXXX XXXX, XXXX, I spoke with Wells Fargo supervisor XXXX regarding my claims . During this call : XXXX stated that I could not file a claim for account XXXX without a transaction statement. ** This is incorrect, as **12 CFR 1005.11 ( b ) ( 1 ) ( i ) ** allows a consumers error notice to be considered timely if it is received within 60 days of the periodic statement issuance, regardless of whether the consumer has a physical statement at the time of reporting.\n\n**She further stated that I needed to walk into a branch to file a claim for account XXXX. ** This contradicts **12 CFR 1005.11 ( b ) ( 2 ) **, which states : * '' The consumer may provide notice of error orally or in writing. \" * Consumers are not required to visit a branch to report errors, making this directive unnecessary and burdensome. \n\nXXXX transferred me to the **Executive Office** for escalation. However, the representative failed to file a complaint and instead attempted to transfer me to the **identity theft department**, which was unrelated to my claims. This demonstrates poor training and further delays in resolving my legitimate complaints. \n\n**6. Lack of Statement Delivery and Delays** On*XXXX XXXX, XXXX, I requested a statement for account XXXX to clarify the transactions in question. As of this letters date, I have not received the requested statement via regular mail or email. Wells Fargos failure to provide this statement in a timely manner further obstructs my ability to address the errors effectively.\n\n**7. Financial Harm and Immediate Demands** Wells Fargos mishandling of my claims, failure to issue provisional credits, and delays in resolution have caused significant financial and emotional distress. I respectfully request the following actions : XXXX. **Immediate issuance of provisional credits** for all transactions reported on account ending in XXXX, in compliance with **12 CFR 1005.11 ( c ) ( 2 ) ( i ) **.\n\n2. A thorough re-investigation of all claims related to account XXXX, with a detailed explanation of findings provided to me, as required under **12 CFR 1005.11 ( d ) ( 1 ) **.\n\n3. An explanation of why decisions were issued for the unrecognized account ending in XXXX instead of account XXXX. \n4. Assurance that Wells Fargo will comply fully with Regulation E for all future error claims.\n\n**Additional Evidence for Review** I have attached the following to substantiate my claims : - **Audio recordings** of conversations with Wells Fargo representatives from XXXX XXXX XXXX. \n- **Notices and correspondence** demonstrating Wells Fargos failures to meet regulatory obligations. \n- **Evidence of delays in statement delivery** and mishandling during the XX/XX/year>, call with XXXX. \n\nI trust the CFPB will review these materials thoroughly and take appropriate action to ensure compliance with Regulation E.\n\n**Conclusion** Wells Fargos actions represent a serious breach of their obligations under Regulation E and have caused me substantial financial and emotional harm. I request the CFPBs intervention to ensure accountability and resolution of this matter. \n\nThank you for your attention to this complaint. Please let me know if additional documentation or clarification is required.","date_sent_to_company":"2025-01-26T12:14:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"11782310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-26T11:43:29.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["**Immediate issuance of provisional credits** for all transactions reported on <em>account</em> <em>ending</em> in XXXX, in <em>compliance</em> with **12 CFR 1005.11 ( c ) ( 2 ) ( i ) **.\n\n2. A thorough re-investigation of all claims related to <em>account</em> XXXX, with a detailed explanation of findings provided to me, as required under **12 CFR 1005.11 ( d ) ( 1 ) **.\n\n3. An explanation of why decisions were issued for the unrecognized <em>account</em> <em>ending</em> in XXXX instead of <em>account</em> XXXX. \n4."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.606583,"11782310"]},{"_index":"complaint-public-v1","_id":"21696946","_score":11.570572,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern, I am writing to formally escalate this matter and request immediate intervention regarding my mortgage servicing account with LoanCare , LLC. \n\nThis account is currently under active review through multiple channels, including : - Consumer Financial Protection Bureau ( Complaint ID : XXXX ) - Connecticut Department of Banking XXXX XXXX XXXX ) - HUD National Servicing Center XXXX XXXX XXXX XXXX Despite these active reviews and my full participation in a loss mitigation trial payment plan, LoanCare has proceeded with foreclosure-related activity on my property. \n\n-- - URGENT CONCERN : ACTIVE FORECLOSURE WHILE UNDER REVIEW A Motion for Default for Failure to Appear has been filed and granted in the foreclosure case. \n\nThis is occurring : - After I completed all required trial payments- While I have been actively communicating with the servicer- While multiple regulatory complaints and escalations are pending This situation is causing immediate harm and requires urgent review. \n\n-- - GOOD FAITH PARTICIPATION I entered into a Trial Payment Plan with LoanCare and made all required payments within the timeframe provided. \n\nThroughout this process, I made repeated efforts to : - Communicate with LoanCare representatives- Obtain clarity on next steps - Ensure compliance with all requirements At no point was I clearly informed that my account was at risk of foreclosure progression while I was actively participating in the plan. \n\n-- - ACCESS AND COMMUNICATION ISSUES LoanCare has stated that certain documentation was required to complete the process. \n\nHowever : - I repeatedly communicated that I did not receive required documents - I was directed to complete items through the online portal - My access to that portal was restricted or removed, preventing me from completing any required actions This raises serious concerns about whether I was given a fair and reasonable opportunity to comply. \n\n-- - ONGOING HARM As a result of the continued foreclosure activity : - My home remains at risk despite my compliance efforts- The foreclosure case is publicly visible, leading to repeated unwanted contact from third parties - My family, including my children, is experiencing emotional distress and instability -- - REQUEST FOR IMMEDIATE ACTION Given the urgency of this situation, I respectfully request : XXXX. Immediate review of my account and foreclosure status 2. Confirmation that foreclosure activity will be paused while this matter is under investigation 3. Verification of all communications and documentation provided to me 4. Review of my trial payment compliance and account handling XXXX. Direct communication regarding next steps to prevent further harm -- - PRESERVATION OF RIGHTS I am actively seeking legal counsel and reserve all rights to pursue further action as necessary. \n\n-- - This matter is time-sensitive, and I respectfully request expedited attention. \n\nSincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CT Loan ending in : XXXX","date_sent_to_company":"2026-04-29T05:43:00.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"065XX","tags":null,"has_narrative":true,"complaint_id":"21696946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2026-04-29T05:33:08.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May Concern, I am writing to formally escalate this matter and request immediate intervention regarding my mortgage servicing <em>account</em> with LoanCare , LLC."]},"sort":[11.570572,"21696946"]},{"_index":"complaint-public-v1","_id":"11459464","_score":11.512533,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"-- - [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] To the Compliance Department XXXX XXXX XXXX EXPERIAN COMPLIANCE DEPARTMENT Subject : Formal Cease and Desist Demand and Complaint Regarding Debt Collection Practices Account # Ending in XXXX To Whom It May Concern, I am writing to demand that you immediately cease and desist all collection activities related to the alleged debt associated with XXXX, account number ending in XXXX. This demand is based on significant legal grounds and discrepancies in your claim, which include numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The following outlines the serious concerns regarding your collection practices : XXXX. **Incorrect Address : ** The address listed in your correspondence is not associated with me. I have never resided at or been affiliated with that address. \n\nXXXX. XXXX XXXX XXXX : ** XXXX XXXX XXXX XXXX ( b ) and XXXX USC XXXX ( XXXX ), you are obligated to ensure the accuracy of reported information. The alleged debt amount reported by your agency is incorrect. I contacted XXXX, and they confirmed that the device in question, which relates to an adhesive contract, has been returned. XXXX assured me that as long as the XXXX was returned, no further action would occur. \n\nXXXX. **Unauthorized Contact : ** XXXX XXXX XXXX has never made nor attempted to contact me regarding this alleged debt. I have not signed or entered into any business agreement with your agency. The account you claim was opened on XX/XX/year>, is contested and raises significant concerns regarding its validity. \n\nXXXX. **Failure to Provide XXXX : ** The account was initiated without any form of communication from your organization. The FDCPA requires that debtors be notified of any accounts opened in their name and provided with pertinent details regarding the debt. \n\nXXXX. **Lack of Contractual Agreement : ** The absence of any executed agreement or acknowledgment on my part raises serious concerns about the legitimacy of the debt. The FDCPA protects consumers from accountability for debts that they did not formally agree to. \n\nXXXX. **Unjustified Past Due Balance : ** The notification of a past due balance without prior communication and contractual clarity is misleading and violates my rights as a consumer. Such actions constitute deceptive and abusive behavior as outlined by the FDCPA. \n\nXXXX. **Fraud Investigation : ** A fraud investigation is ongoing due to the application process of the alleged account, which demonstrates characteristics of an adhesive contract, constituting a breach of the Truth in Lending Act ( TILA ). I have communicated these concerns directly with T-Mobile. \n\nXXXX. **Breach of the False Claims Act : ** The actions of both XXXX  and your agency potentially breach the False Claims Act and other associated statutes and laws. \n\nXXXX. **Experian 's Role in Infringement : ** Additionally, Experian has infringed on my rights by allowing these activities to continue and failing to provide me with a means to dispute this inaccurate information through its platform, as is my right under the FCRA XXXX The lack of support from Experian exacerbates the damages I am experiencing due to the erroneous debt reporting. \n\nXXXX. **Unauthorized Collection & FCRA/FDCPA Protections : ** I do not authorize or enter into any agreement for the collection of this alleged debt, as per XXXX XXXX XXXX ( XXXX ) and the FDCPA. \n\n**Demand for Compensation : ** Due to these violations, including the failure to comply with stated procedures and the lack of due diligence, I am formally demanding compensation of {$10000.00} for the damages incurred, including a significant loss of XXXX points on my Experian credit file due to these egregious practices. \n\nGiven these violations and the serious nature of this complaint, you must immediately cease and desist any further collection attempts until these issues are resolved and validated in compliance with federal and state legal standards. \n\nFurther contact must only occur if it involves documented proof of validation of this alleged debt. Any errors or fraudulent activity must be rectified before any collection attempt is initiated. Should you fail to comply with this demand, I will explore all legal remedies available, including reporting to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. \n\nThank you for your prompt attention to this matter. I look forward to your immediate response and resolution. \n\nSincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] ---","date_sent_to_company":"2025-01-09T10:27:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11459464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-09T10:13:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["-- - [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] To the <em>Compliance</em> <em>Department</em> XXXX XXXX XXXX EXPERIAN <em>COMPLIANCE</em> <em>DEPARTMENT</em> Subject : Formal Cease and Desist Demand and Complaint Regarding Debt Collection Practices <em>Account</em> # <em>Ending</em> in XXXX To <em>Whom</em> It May Concern, I am writing to demand that you immediately cease and desist all collection activities related to the alleged debt associated with XXXX, <em>account</em> number <em>ending</em> in XXXX."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[11.512533,"11459464"]},{"_index":"complaint-public-v1","_id":"14925346","_score":11.326735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Discover Financial Services Executive Office of Customer Advocacy XXXX. XXXX XXXX XXXX, DE XXXX AND XXXX XXXX Attn : Legal and Compliance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX -- - RE : Joint Notice of Conditional Acceptance and Demand for Full Disclosure of Reporting, Registration, and Securities Activity Related to Discover Account Ending in XXXX REFERENCE : CFPB Case No. XXXX -- - To Whom It May Concern : This communication serves as a joint Notice of Conditional Acceptance addressed to both Discover Financial Services and XXXXXXXX XXXXXXXX XXXX XXXX credit reporting, data monetization, and possible securities-related use of the Discover account ending in XXXX. While each party has responded or participated in the CFPB proceedings referenced above, I hereby conditionally accept all claims, reporting actions, and adverse determinations made by either party, only upon full disclosure and verified documentation as demanded below.\n\nThis Notice is issued under the authority of : The Securities Act of 1933, The Truth in Lending Act ( TILA ), The Fair Credit Reporting Act ( FCRA ), The Equal Credit Opportunity Act ( ECOA ), UCC 1-308, and General principles of fiduciary and statutory duty, with the intent of preserving all rights, claims, and defenses available at law and equity.\n\n-- - I. DEMAND FOR VERIFIED DISCLOSURE OF REGISTRATION, REPORTING & SECURITIZATION You are hereby required to provide a certified, sworn, or legally binding response to the following material questions regarding the Discover account ending in XXXX and its treatment by both parties : 1. SEC Registration Has the above-referenced credit account, or any receivable, obligation, or data entry derived from it, been registered as a security with the U.S. Securities and Exchange Commission ( SEC ) under Section 5 of the Securities Act of 1933? If so, provide full registration numbers, prospectus documents, and the name ( s ) of any underlying asset-backed securities, CUSIPs, or entities involved.\n\n2. Securitization or Asset Pooling Has this account, or any receivable associated with it, been pooled, securitized, hypothecated, pledged, or monetized through derivatives, credit facilities, trust structures, investor portfolios, or any financial instrumentdirectly or indirectly?\n\n3. Investor Use and Derivative Instruments Has this account been used in any capacity within : Collateralized debt obligations ( CDOs ), Structured investment vehicles ( SIVs ), Credit default swaps ( CDS ), or Private equity-backed debt trading platforms? \n\n\n\n4. Reporting for Commercial Gain Has XXXX XXXXXXXX received any financial consideration, licensing fees, or indirect profit related to : The use of my account data in risk models or scoring systems, The resale or syndication of credit data to lenders, data aggregators, or XXXX platforms? \n\n\n\n5. Proof of Legal Authority Provide all documents showing that either Discover or TransUnion has been lawfully authorized by signed, bilateral contract to report, trade, or distribute my private financial information. If such consent does not exist, explain the statutory authority under which these actions were performed. \n\n\nXXXX. Factual Basis for Adverse Action Explain, with specificity, how a credit limit denial by Discover, citing INSUFFICIENT EXPERIENCE WITH CURRENT CREDIT LIMIT, was made in good faith, free of discrimination, and whether it concealed any underlying commercial activitysuch as investor monetization of the accountby suppressing my eligibility for higher credit tiers.\n\n-- - II. DEMAND FOR RELIEF In light of the disclosures requested above, I hereby demand the following actions be taken : 1. Immediate correction and removal of all adverse or inaccurate data reported to TransUnion and any other reporting agency ; 2. Conversion of the account to an unrestricted, revolving open credit line with no arbitrary limitations ; 3. Equitable restitution and compensation for any profits, interest, investment returns, or gains derived from the commercial use or securitization of this account ; 4. Delivery of all records reflecting reporting activity, third-party transmission, securitization entries, or financial valuation related to the above account.\n\n-- - III. DEADLINE & NOTICE OF LIABILITY You are hereby given fifteen ( 15 ) calendar days from the date of receipt of this Notice to provide the requested information in full.\n\nFailure to respond timely and in good faith shall be deemed : A tacit admission that the Discover account has been monetized, securitized, or reported without lawful authority or disclosure ; A waiver of all defenses to claims arising under the Securities Act of 1933, TILA, FCRA, and related laws ; Grounds for the initiation of legal proceedings, civil complaints, and demands for monetary compensation not less than {$150000.00}, plus punitive damages and regulatory referral.\n\n-- - IV. PRESERVATION OF RIGHTS This correspondence is issued without prejudice, and with full reservation of rights under : UCC 1-308, Federal Rule of Civil Procedure 12 ( b ) ( 1 ) - ( 6 ), All statutory, constitutional, and equitable protections afforded to me as the rightful holder and authorized agent of the referenced account.\n\nThis Notice is also being entered into the record of the active CFPB case, and may be submitted to the Securities and Exchange Commission, Office of the Comptroller of the Currency, and U.S. Department of Justice, as warranted.\n\nCopies of this Notice have been sent on this date to : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Compliance Department Consumer Financial Protection Bureau ( CFPB )","date_sent_to_company":"2025-07-28T19:35:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"14925346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-07-28T19:16:25.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, DE XXXX AND XXXX XXXX Attn : Legal and <em>Compliance</em> <em>Department</em> XXXX XXXX XXXX XXXX XXXX, PA XXXX -- - RE : Joint Notice of Conditional Acceptance and Demand for Full Disclosure of Reporting, Registration, and Securities Activity Related to Discover <em>Account</em> <em>Ending</em> in XXXX REFERENCE : CFPB Case No."]},"sort":[11.326735,"14925346"]},{"_index":"complaint-public-v1","_id":"17788010","_score":11.0526495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF DISPUTE / REQUEST FOR CORRECTION OR DELETION XXXX XXXX  Credit Bureau Dispute Department Date : XX/XX/XXXX Re : Account Ending in XXXX Inaccurate Charge-Off Reporting To Whom It May Concern, I am submitting this formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The reporting on my XXXX account ending in XXXX  is inaccurate, incomplete, and inconsistent, and therefore must be corrected or deleted.\n\nI am disputing your charge-off reporting for the following reasons : 1. Mixed Reporting ( CO + ND in the same time periods ) FCRA Violation Across multiple years ( XXXX ), the tradeline simultaneously reports : CO ( Charge-off ) ND ( No Data ) Missing months Examples directly from your reporting : XXXX : XXXX ( CO + ND ), XXXX ( ND + CO ), XXXX ( CO + CO + ND ) XXXX : XXXX ( CO + CO ) XXXX : XXXX ( ND, ND, ND ) XXXX : CO lines mixed with ND months Multiple years : Missing and incomplete payment data This constitutes : Incomplete reporting Inconsistent reporting Unverifiable reporting Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information that is inaccurate or incomplete.\n\n2. Charge-Off Date / Status Updated Incorrectly You report : Status updated : XX/XX/XXXX Last payment : XX/XX/XXXX A charge-off should occur no later than 180 days after the last payment, meaning around XX/XX/XXXX, NOT XX/XX/XXXX. \n\nThis makes the charge-off date inaccurate, violating FCRA and Metro-2 reporting guidelines.\n\n3. Balance Reporting Appears Inaccurate You report : {$3900.00} written off {$3800.00} past due Highest balance {$3900.00} These numbers conflict with each other and require clarification of : principal interest fees charge-off accounting whether the balance was updated after the charge-off Under FCRA, all balance data must be accurate and verifiable.\n\n4. Securitization and Ownership Verification Request I am also requesting verification regarding whether : this accounts receivable interest was securitized, XXXX retains full ownership, XXXX has the right to continue reporting a charge-off if ownership or beneficial interest transferred, and a full chain of title exists. \n\nIf XXXX has securitized, reassigned, or transferred any beneficial or receivable interest, then reporting the account as a current charge-off may be inaccurate or incomplete.\n\nREQUEST FOR ACTION In accordance with FCRA 1681i and 1681s-2, I am requesting : 1. A full investigation 2. Verification of ownership and accounting 3. Verification of complete payment history 4. Correction of all inaccurate information, or 5. Deletion of the entire tradeline if accurate records can not be fully verified Please provide : charge-off ledger accounting breakdown chain of title transaction history complete monthly reporting records proof of ownership/servicing rights Metro-2 compliance confirmation","date_sent_to_company":"2025-12-04T12:49:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"17788010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-04T12:43:21.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["NOTICE OF DISPUTE / REQUEST FOR CORRECTION OR DELETION XXXX XXXX  Credit Bureau Dispute <em>Department</em> Date : XX/XX/XXXX Re : <em>Account</em> <em>Ending</em> in XXXX Inaccurate Charge-Off Reporting To <em>Whom</em> It May Concern, I am submitting this formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The reporting on my XXXX <em>account</em> <em>ending</em> in XXXX  is inaccurate, incomplete, and inconsistent, and therefore must be corrected or deleted."]},"sort":[11.0526495,"17788010"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":85,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":85}]}},"product":{"doc_count":85,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":42}]}},{"key":"Debt collection","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":4},{"key":"Other debt","doc_count":4},{"key":"I do not know","doc_count":3},{"key":"Auto debt","doc_count":2},{"key":"Telecommunications 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