{"took":194,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":51,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13533152","_score":14.338299,"_source":{"product":"Student loan","complaint_what_happened":"To date, I have received no satisfactory resolution or response to my initial demand.\n\nFERPA strictly prohibits unauthorized access, modification, or deletion of student records without explicit consent. Your failure to properly address my dispute is a direct violation of federal law and may result in severe penalties, including legal and regulatory consequences.\n\n# # # I am escalating my demands and require the following actions within 15 days : 1. Comprehensive Investigation A full, written report of all findings regarding unauthorized access and data tampering.\n\n2. Full Data Disclosure A detailed list of individuals or entities ( including Doge or Musk-affiliated organizations ) that accessed or altered my records.\n\n3. Immediate Data Restoration Full correction of my records, with an official statement verifying that my loan data has been restored to its original, accurate state.\n\n4. Formal Written Compliance Assurance A signed confirmation stating that my records will remain FERPA-compliant and fully protected moving forward.\n\nIf I do not receive compliance within 15 days, I will escalate this dispute immediately by taking the following actions : File a formal FERPA complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ).\n\nSubmit a complaint to the Consumer Financial Protection Bureau ( CFPB ) for deceptive practices regarding student loan record handling.\n\nReport your noncompliance to the State Attorney Generals Office for consumer rights violations.\n\nPursue legal action for damages incurred due to your failure to protect my student loan data. \nThis is your final opportunity to resolve this issue before facing further regulatory and legal action. I expect a written response within 15 days confirming all corrective measures taken.","date_sent_to_company":"2025-05-15T05:57:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"49504","tags":null,"has_narrative":true,"complaint_id":"13533152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-15T05:54:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Formal Written <em>Compliance</em> Assurance A signed confirmation stating that my records will remain FERPA-compliant and fully protected <em>moving</em> forward.\n\nIf I do not receive <em>compliance</em> within 15 days, I will escalate this <em>dispute</em> immediately by taking the following actions : <em>File</em> a formal FERPA complaint with the U.S. <em>Department</em> of Educations Family Policy <em>Compliance</em> Office ( FPCO )."]},"sort":[14.338299,"13533152"]},{"_index":"complaint-public-v1","_id":"12348809","_score":13.681643,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute Regarding Inability to Access My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute an issue concerning my credit file with Equifax. Upon multiple attempts to access my credit report, either online or through customer service, I have discovered that my file appears blank or unavailable despite providing my full and accurate personal information.\n\nThis issue is highly concerning, as I have the legal right to review my credit report under the Fair Credit Reporting Act ( FCRA ). The failure to provide my credit report violates my rights as a consumer and prevents me from verifying the accuracy of any information that may be reported under my profile.\n\nRequest for Resolution 1. I am formally requesting that Equifax : Investigate and correct any system errors preventing me from accessing my credit report.\n\n2. Provide me with a complete and accurate copy of my credit report as required under FCRA 609 ( a ) ( 1 ).\n\n3. Explain why my credit file is inaccessible and provide written confirmation of any issues discovered during your investigation.\n\n4. Ensure that my credit profile is properly maintained and available for my review moving forward.\n\nIf Equifax is unable to resolve this issue, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for further investigation. Additionally, I may explore legal action for non-compliance with the FCRA.\n\nI expect a written response within 30 days of receipt of this letter, as required under federal law. Please mail a detailed response and a copy of my corrected credit report to the address listed above. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-06T19:08:35.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"90292","tags":null,"has_narrative":true,"complaint_id":"12348809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T19:00:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Dispute</em> Regarding Inability to Access My Credit Report Dear Equifax <em>Dispute</em> <em>Department</em>, I am writing to formally <em>dispute</em> an issue concerning my credit <em>file</em> with Equifax. Upon multiple attempts to access my credit report, either online or through customer service, I have discovered that my <em>file</em> appears blank or unavailable despite providing my full and accurate personal information."]},"sort":[13.681643,"12348809"]},{"_index":"complaint-public-v1","_id":"13883542","_score":13.180957,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Late Payments ( XXXX XXXX - {$2700.00} ) Dear TransUnion Dispute Department, I am writing to formally dispute late payments being reported on my TransUnion credit report for the following account : XXXX. Creditor : XXXX XXXX Reported Balance : {$2700.00} Disputed Late Payments : XX/XX/XXXX and XX/XX/XXXX I respectfully request that these late payment entries be permanently deleted from my TransUnion credit file, as they are either inaccurately reported or unsupported by documentation and are negatively impacting my credit profile.\n\nApplicable FCRA Consumer Law Provisions : 15 U.S.C. 1666b Credit Card Payment Timing Protections : This statute mandates that payments received before the creditors cut-off time on the due date must be credited as on time. If my payment was processed or received on time and reported late in error, this violates federal law. \n15 U.S.C. 1681i Reinvestigation of Disputed Information : Upon dispute, TransUnion must conduct a reasonable reinvestigation and remove unverifiable, inaccurate, or outdated information within 30 days. If the creditor can not provide verified documentation supporting these specific late entries, they must be deleted.\n\nMetro 2 Compliance & Reporting Violations : The Metro 2 Format, which governs credit reporting standards, requires furnishers to use accurate status codes when reporting account history. Inaccurate or outdated reporting of delinquencies violates Metro 2 guidelines, including : Compliance Condition Code \" XXXX  '' Account information disputed by the consumer and undergoing investigation.\n\nPayment History Profile ( Field 28B ) Late payment history must be factually supported.\n\nBase Segment Code 17 Account Status should reflect accurate and current payment behavior. Late payments not backed by documentation are considered misreporting under Metro 2 compliance.\n\nIf these late entries can not be verified with original timestamped payment records or they were incorrectly coded, they must be permanently deleted under Metro 2 and FCRA standards. \n\nRequested Action : Permanently delete the late payments reported for XXXX and XX/XX/XXXX for XXXX XXXX. \nProvide written confirmation of the results of your reinvestigation. \nEnsure full FCRA and Metro 2 compliance moving forward.\n\nBlock these entries from reinsertion unless verified documentation is provided under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nIf this matter is not resolved in compliance with the law, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and may consider legal remedies under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance. \n\nThank you for your prompt attention to this dispute. I expect a resolution within the required 30-day timeframe. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-04T21:49:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13883542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-04T21:45:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ensure full FCRA and Metro 2 <em>compliance</em> <em>moving</em> forward.\n\nBlock these entries from reinsertion unless verified documentation is provided under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nIf this matter is not resolved in <em>compliance</em> with the law, I will proceed with <em>filing</em> complaints with the Consumer Financial Protection Bureau ( CFPB ) and may consider legal remedies under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance. \n\nThank you for your prompt attention to this <em>dispute</em>."]},"sort":[13.180957,"13883542"]},{"_index":"complaint-public-v1","_id":"13274438","_score":12.897654,"_source":{"product":"Credit card","complaint_what_happened":"CITIBANK CASE # ( XXXX ) CARDHOLDER  is XXXX XXXX This XXXX a report of multiple violations of federal and state laws, including the Electronic Fund Transfer Act ( EFTA ), Georgia Fair Business Practices Act ( FBPA ), and Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). \n\nXXXX. XX/XX/year> : Unauthorized charge of {$1600.00} processed by XXXX XXXX XXXX  XXXX XXXX XXXX. XX/XX/year> : XXXX XXXX promptly filed initial dispute XXXX. XX/XX/year> : Provided additional dispute information XXXX. XX/XX/year> : Received Citibank 's letter maintaining charge XXXX. XX/XX/year> : Submitted comprehensive dispute documentation XXXX. XX/XX/year> : Citibank 's response revealed they had NOT conducted an independent investigation XXXX. XX/XX/year> : Citibank demonstrated willful misconduct by rebilling the account despite clear evidence of fraud XXXX. XX/XX/year> : Citibank issued third denial of dispute, with notice deliberately delayed until XX/XX/year> XXXX. XX/XX/year> : Card Holder 's authorized Power of Attorney representative spoke with XXXX XXXX XXXX XXXX ) in a recorded conversation XXXX. XX/XX/year> : Formal Letter of Rebuttal emailed to Citibank billing dispute department with explicit request for forwarding to Legal Department Listing all evidence furnished to CITIBANK disputes and legal departments as follows : Items included for review are as follows : XXXX Letter in response to Citi Letter dated XXXX Signed Exhibit A - XXXX Citi XXXX Signed XXXX by XXXX XXXX - XXXX pages Exhibit B - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Printed Estimate ( note this is NOT a contract ) Exhibit C - Atlas Storage is NOT Authorized by XXXX  to transport or arrange the transportation of Household Goods Exhibit D - XXXX - Confirmation XXXX Exhibit E - XXXX Articles of Incorporation XXXX XXXX XXXX XXXX XXXX Exhibit G - XXXX Complaint XXXX filed XXXX XXXX XXXX a division of XXXX XXXX XXXX XXXX XXXX XXXX is NOT Authorized by XXXX to transport or arrange the transportation of Household Goods Exhibit H - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Printed One Time Credit Authorization Exhibit I - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Email Moving Estimate XXXX XXXX. XX/XX/year> : In a recorded conversation, XXXX XXXX ( Power of Attorney ) spoke with XXXX  ( Dispute Team XXXX ) who : o Confirmed receipt of XX/XX/XXXX correspondence o Stated dispute department would take no further action o Was informed of intent to communicate directly with Legal Department o Demonstrated Citibank 's continued pattern of obstruction o Further evidenced willful refusal to properly investigate o Necessitated this formal legal demand This sequence of events demonstrates not only negligence but an escalating pattern of willful disregard for consumer protection laws and banking regulations, rising to the level of egregious misconduct, despite multiple attempts to resolve through proper channels.\n\nThis NOLO ( No Investigation, Listen Only ) approach by Citibank demonstrates a complete abdication of their investigative responsibilities under federal law.\n\nVIOLATIONS AND NEGLIGENCE : 1. Electronic Fund Transfer Act ( EFTA ) Violations : o Failure to properly investigate the disputed charge o Failure to provide provisional credit within 10 business days o Failure to follow required error resolution procedures o Continued processing of unauthorized charge despite clear evidence of fraud 2. Willful Failure to Investigate ( NOLO ) : o Conducted no independent investigation whatsoever o Relied solely on vendor 's response despite overwhelming evidence of fraud o Deliberately ignored documented evidence provided by cardholder o Issued multiple denials WITHOUT proper investigation o Deliberately delayed notification of dispute decisions o Demonstrated pattern of obstruction and delay o Disregarded evidence that XXXXXXXX XXXX XXXX XXXX XXXX was not authorized by XXXX - license had been revoked ( Regulator for the Moving and Storage industry ) o Ignored proof of deceptive electronic signature practices o Failed to consider the merchant 's extensive complaint history o Overlooked violations of 49 CFR 375.401 ( a ) regarding physical surveys o Disregarded evidence of merchant 's non-compliance with XXXX requirements XXXX. State Law Violations : a. Georgia Fair Business Practices Act ( FBPA ) : o Failure to implement proper fraud prevention measures o Knowing facilitation of unauthorized charges o Unfair billing and collection practices b. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : o Engaging in unfair methods of competition o Unconscionable acts in trade/commerce o Improper handling of unauthorized charge disputes The attached documented represent the XX/XX/year> Email to the CITIBANK legal department end the exhibits attached to the email. 11 Attachments and XXXX XXXX as designated as my Power of Attorney","date_sent_to_company":"2025-05-02T00:36:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"304XX","tags":"Older American","has_narrative":true,"complaint_id":"13274438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-05-01T23:43:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["( Regulator for the <em>Moving</em> and Storage industry ) o Ignored proof of deceptive electronic signature practices o Failed to consider the merchant 's extensive complaint history o Overlooked violations of 49 CFR 375.401 ( a ) regarding physical surveys o Disregarded evidence of merchant 's non-<em>compliance</em> with XXXX requirements XXXX."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.897654,"13274438"]},{"_index":"complaint-public-v1","_id":"13883940","_score":12.364806,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Late Payments ( XXXX XXXX - {$2700.00} ) Dear Equifax Dispute Department, I am writing to formally dispute the late payments currently being reported on my Equifax credit report for the following account : Creditor : XXXX XXXX Reported Balance : {$2700.00} Disputed Late Payments : XX/XX/year> and XX/XX/year> I respectfully request that these late payment entries be permanently deleted from my Equifax credit file. These late notations are either inaccurate, unsupported by proper documentation, or were misreported in violation of federal law and credit reporting standards. \n\nApplicable FCRA Consumer Law Provisions : 15 U.S.C. 1666b Credit Card Payment Timing Protections : Requires that payments received before the designated cut-off time on the due date be credited as on time. If my payments were timely but misapplied or misreported, they may not legally be recorded as late. \n15 U.S.C. 1681i Reinvestigation of Disputed Information : Requires Equifax to conduct a reinvestigation of disputed information and delete any data that is inaccurate, unverifiable, or outdated within 30 days. Unless XXXX XXXX can provide timestamped proof validating these late payments, they must be removed. \n\nMetro 2 Compliance & Reporting Violations : Credit furnishers using the Metro 2 format must report information accurately and consistently with industry guidelines. Misreporting delinquencies may violate : Compliance Condition Code \" XXXX '' Indicates the account is disputed and under review. \nField XXXX Payment History Profile : Delinquency must be supported with documented, timestamped payment activity. \nBase Segment Code XXXX Account Status : Must accurately reflect payment behavior. Incorrect reporting of late payments violates Metro 2 coding standards and must be corrected. \nIf XXXX XXXX can not validate these delinquencies with precise records, Equifax must delete the entries in accordance with both Metro 2 standards and the FCRA. \n\nRequested Action : Permanently delete the reported late payments for XXXX and XX/XX/year> for the XXXX XXXX account. \nProvide written confirmation of the results of your reinvestigation. \nEnsure full compliance with the FCRA and Metro 2 formatting moving forward. \nBlock any future reinsertion of these entries unless full verification is provided, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). \n\nFailure to correct these inaccuracies may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may also prompt legal action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. \n\nThank you for your prompt attention to this matter. I expect a resolution within the 30-day window prescribed by law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-04T22:33:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13883940","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-04T22:29:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, GA XXXX Subject : Formal <em>Dispute</em> Request for Permanent Deletion of Late Payments ( XXXX XXXX - {$2700.00} ) Dear Equifax <em>Dispute</em> <em>Department</em>, I am writing to formally <em>dispute</em> the late payments currently being reported on my Equifax credit report for the following account : Creditor : XXXX XXXX Reported Balance : {$2700.00} <em>Disputed</em> Late Payments : XX/XX/year> and XX/XX/year> I respectfully request that these late payment entries be permanently deleted from my Equifax credit <em>file</em>."]},"sort":[12.364806,"13883940"]},{"_index":"complaint-public-v1","_id":"19980560","_score":12.240193,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/XXXX, I opened a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card account. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was also told that a chargeback had been filed and that I would receive documentation within 10 days. I never received any written documentation, follow-up, or updates regarding the chargeback. \n\nIt is now XX/XX/XXXX, and the dispute remains unresolved. \n\nAdditionally, because the disputed amount has not been resolved, I have been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees stem from the unresolved transaction and should not have been assessed while the dispute is pending. \n\nI have contacted customer service multiple times but have not received a clear resolution or written explanation of the status of my dispute. \n\nI am requesting : A full written explanation of the dispute status Copies of any chargeback documentation Resolution of the original {$130.00} dispute A refund of the {$11.00} in related overdraft and decline fees If this is for CFPB instead of XXXX, tell me Ill slightly adjust the tone to make it more regulatory-focused. \n\ncfpb Here is the CFPB-optimized version. This one is more regulatory and direct, which is what gets compliance departments moving : On XX/XX/XXXX, I filed a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was also told that a chargeback had been filed and that I would receive documentation within 10 days. I never received any written documentation or formal notice explaining the status or outcome of the chargeback. \n\nAs of XX/XX/XXXX, the dispute remains unresolved. \n\nBecause the disputed amount has not been credited or resolved, I have also been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees are directly related to the pending disputed transaction. \n\nI believe the company has failed to provide timely written communication, documentation of the chargeback, and proper resolution of my dispute in accordance with prepaid account error resolution requirements. \n\nI am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees When you submit, choose : Product : Prepaid card Issue : Problem with a purchase shown on your statement Company : Skylight Financial or Netspend ( whichever appears ) This type of complaint usually gets routed directly to their compliance/legal department, not regular customer service. \n\nIf you want, I can also tell you what response to expect and how long it usually takes. \n\nalso in XXXX and XXXX i was told i would receive chargeback info within 10 business days never did Here is your updated CFPB complaint including that detail clearly and professionally : On XX/XX/XXXX, I filed a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was told that a chargeback had been filed and that I would receive documentation within 10 business days. \n\nIn XX/XX/XXXX and again in XX/XX/XXXX, I contacted customer service for updates. Each time, I was told that chargeback documentation would be sent to me within 10 business days. I never received any written documentation, formal notice, or explanation regarding the status or outcome of the chargeback. \n\nAs of XX/XX/XXXX, the dispute remains unresolved. \n\nBecause the disputed amount has not been credited or resolved, I have been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees are directly related to the pending disputed transaction. \n\nI believe the company has failed to provide timely written communication, documentation of the chargeback investigation, and proper resolution of my dispute in accordance with prepaid account error resolution requirements. \n\nI am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees","date_sent_to_company":"2026-03-04T21:53:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"19980560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2026-03-04T21:42:58.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["This one is more regulatory and direct, which is what gets <em>compliance</em> <em>departments</em> <em>moving</em> : On XX/XX/XXXX, I <em>filed</em> a <em>dispute</em> regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of <em>dispute</em>. I was also told that a chargeback had been <em>filed</em> and that I would receive documentation within 10 days."],"sub_issue":["Card company isn't resolving a <em>dispute</em> about a purchase or transfer"]},"sort":[12.240193,"19980560"]},{"_index":"complaint-public-v1","_id":"3379040","_score":11.750941,"_source":{"product":"Debt collection","complaint_what_happened":"I wrote a dispute letter in an attempt to dispute the debt. I mailed 7 documents that contain several pages of evidence to support my dispute. I labeled each documents header page as evidence 1-8. \nEvidence # 1- Georgia Lease Agreement with a start date of XX/XX/XXXX and end date of XX/XX/XXXX. ( 24 pages in total ) Evidence # 2- XXXX  XXXX Account/Payments statement from XXXX XX/XX/XXXX. ( 4 pages in total ) Evidence # 3- Move out Email Confirmation sent on XX/XX/XXXX. ( 1 page ) Evidence # 4- First Written Submission to terminate lease was given on XX/XX/XXXX. ( 1 page ) Evidence # 5XXXX Email confirmation of last payments to the Apartment complex. ( 1 page ) Evidence # 6- Move out Statement received via email XX/XX/XXXX. ( XXXX page ) Evidence # 7- Follow-up email from a phone conversation made to a XXXX XXXX   representative in the customer care department. Email was sent XX/XX/XXXX. ( 1 page ) Evidence # 8- Email Response to the move out statement received via email, response was sent the same day, XX/XX/XXXX. ( 1 page ) All of the information I sent the company is the only information they have on my debt and attempted to send back the lease that I provided them. \nI am disputing the entire amount of {$230.00} that XXXX XXXX   accuses me of owing and failing to pay. I do not owe {$230.00} to XXXX XXXX  and never did. On XX/XX/XXXX, my lease with XXXX  XXXX ended as noted by Evidence # 1 and # 6. Prior to  moving out I contacted the office through writing and place them on notice that I would not be renewing my lease for another year. This notice was sent on XX/XX/XXXX which is noted in Evidence # 4. On the move-out statement it is noted that move-out notice was given on XX/XX/XXXX. Move-out notice was given well over 60 days in advance of moving out of my apartment. \nI lived at XXXX  XXXX for exactly 2 years and I paid my rent on time foXXXX XXXX  years. I was never late on any payment and I always paid all utilities on time. On XX/XX/XXXX, I paid a total of {$890.00} for my rent and utilities for the month of XXXX, see evidence # 2. For the month of XXXX I knew that my rent would be prorated because my lease ended on XX/XX/XXXX. I went into the office on XX/XX/XXXX which was a Thursday to get the correct amount of how much I needed to pay in order to satisfy my XXXX rent since it would be prorated. The representative in the office stated that my rent prorated to move-out on the XXXX of XXXX would be in the amount of {$450.00}. I went to the bank and provided a cashiers check to XXXX XXXX in the amount of {$450.00}. See evidence # 6,  which shows on XX/XX/XXXX a check was received and scanned in the amount of {$450.00}. On XX/XX/XXXX, I returned to the XXXX XXXX office to get a receipt of my payment and statement showing that I do not owe the apartment complex any monies. The property manager named Ms. XXXX was present and she reviewed my account and told me that I owed an additional {$74.00} because the previous XXXX XXXX agent did not calculate my prorated rent correctly. I immediately went online and paid the {$74.00} which is supported on evidence # 2 and # 6. Ms. XXXX said I was good to go and all I had to do was the inspection move out which I scheduled for XX/XX/XXXX. Yes I moved out 4 days prior to the move-out date on XX/XX/XXXX, but my rent was paid up until XX/XX/XXXX or the last day of my lease. \nOn XX/XX/XXXX, I met with Ms. XXXX and the maintenance man and we did a complete walk through of my old apartment. They both praised me on how well the apartment look even though I lived there for 2 years. There was no damage to anything in the apartment to include the carpets, fixtures, and lights. I went back to the office with Ms. XXXX and asked for a move-out inspection and a receipt that showed that I no longer owed a balanced to the apartment complex. She stated that her computer system and printer was down. She gave me her business card which had her email on it and she promised to email me a move-out inspection sheet and receipt. The next day I sent a follow-up email to the property manager based on the email address on her business card confirming my move-out and condition of the apartment, also a request for my move-out inspection. See evidence # 3. I never received a response from Ms. XXXX, so I assumed she would eventually reach out to me. \nOn XX/XX/XXXX, I received an email which included the move-out statement from the XXXX email. See evidence # 6. The statement claims I owe {$230.00}, but it does not say for what. I was charged additional charges on XX/XX/XXXX for another month of rent and I am still confused as to why because I did everything asked of me and paid all rent owed before I vacated the apartment. The additional charges are completely made up and incorrect. I made over 20 phone calls to the customer care department to tell them about their mistake and I sent numerous emails to the customer care department to rectify their mistake and I received little to no response. Please see evidence # 5, # 7, # 8. I have made numerous attempts to have the company correct this mistake and they have been unresponsive, unprofessional, and they are coming very close to violating the Fair Credit Reporting Act. \nThe next communication I received was on XX/XX/XXXX, from IQ data international about collecting the debt before it was sent to my credit bureau. Each representative I spoke with has told me several different things. One said that because I moved out four days early, I was charged back rent, which does not make sense. The other representative said that I might not have given sufficient notice before moving out, which is also incorrect and false. I went to XXXX XXXX   office today ( XX/XX/XXXX ) to speak with a representative and she reviewed my account and confirmed that I did not owe any rent or fees to the apartment after moving out. She directed me to contact the customer care department and the customer care department representative stated that she no longer had my file and I needed to contact XXXX. I have been sent in a circle all day and no one can give me a straight answer on where this additional charge came from which is why I know it is incorrect. The amount that XXXX XXXX   claims I owe and now you are attempting to collect is incorrect and I do not owe any amount to either company. I have provided all the documents that I have to support my dispute. \nI am disputing the amount of {$230.00} because I do not owe this amount. XXXX XXXX representative told me that I do not owe any money to the apartment complex. She also said that I never paid my rent late, and there were no move-out fees I owed. So I am distraught that XXXX XXXX would send this account to collections. It does not make any sense that my rent would be {$850.00} a month and I would leave a {$200.00} balance knowing it would negatively affect my future efforts of buying a house. Both companies have irresponsibility caused damage to my credit. I also called the customer service department and ask to speak the compliance department. The customer service agent denied me the opportunity to speak with the compliance department. When I asked for a supervisor some male got on the phone named XXXX and he was very rude. He cut me off and, \" told me to pay the debt or else! '' He then said that the debt would go on my credit report. I printed off my credit report one month before this debt was placed on my credit report and it was in the 700-720 range. Since this debt has been added my credit score is XXXX. I am in the process of trying to purchase a house and this debt has affected my interest rate and ability to move forward in that process. I want this debt removed from my credit report. The statement I included with this complaint is dated after I moved out of the apartment and I did not owe any monies. Almost a year later I magically owe {$230.00}. This is unacceptable and causing me anxiety.","date_sent_to_company":"2019-09-19T05:03:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30126","tags":"Servicemember","has_narrative":true,"complaint_id":"3379040","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"I.Q. DATA INTERNATIONAL, INC.","date_received":"2019-09-19T00:23:30.000Z","state":"GA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also called the customer service <em>department</em> and ask to speak the <em>compliance</em> <em>department</em>. The customer service agent denied me the opportunity to speak with the <em>compliance</em> <em>department</em>. When I asked for a supervisor some male got on the phone named XXXX and he was very rude. He cut me off and, \" told me to pay the debt or else! '' He then said that the debt would go on my credit report."]},"sort":[11.750941,"3379040"]},{"_index":"complaint-public-v1","_id":"11167878","_score":11.699554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : Formal Demand for Compliance Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Experian Compliance Department , This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling, and mismanagement of my credit file. The specific incidents detailed below outline clear violations of federal statutes and regulations governing credit reporting accuracy and your failure to meet your obligations to protect consumers from abusive and inaccurate reporting practices. \n\nIncident 1 : Negligence in Handling Trade Line from XXXX XXXX XXXX trade line associated with XXXX XXXX was abusively and falsely reported as a charge-off/collection account with an original balance of {$300.00} and a past-due balance of {$470.00}. Despite several disputes submitted to Experian, you denied my challenges without conducting a thorough and reasonable investigation, as required under 15 U.S.C. 1681i of the FCRA. It was only after I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) that this inaccurate trade line was removed from my credit file. \n\nYour failure to address this issue in a timely and accurate manner caused undue harm to my creditworthiness and violated your obligation under the FCRA to ensure maximum possible accuracy in credit reporti ng ( 15 U.S.C. 1681e ( b ) ). Incident 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXs a\nbusively and falsely reported a collection account purportedly associated with XXXX. Despite my repeated disputes, your investigations failed to address the inaccuracies of the reported debt. This company even provided a fraudulent verification document with fabricated account numbers and dates, yet Experian accepted this document without sufficient scrutiny. \n\nOnce again, it took intervention from the CFPB for this fraudulent trade line to be removed, highlighting your failure to reasonably investigate disputes and protect consumers from abusive debt collection practices, as required under the FDCPA ( 15 U.S.C. 1692 ) and FCRA ( 15 U.S.C. 1681i ).\n\nIncident 3 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was allowed to report on my credit file for over 80 months despite the account being closed and charged off at {$180.00}, with a cap of {$240.00}. Rather than reflecting accurate information, the trade line was negligently allowed to accumulate month-to-month balances of {$1.00} {$3.00} until its removal, once again, only after CFPB intervention. At the time of removal, the past-due balance fluctuated between {$290.00} and {$290.00}. \n\nThroughout this period, I submitted multiple disputes and demands for verification and investigation to Experian, all of which went ignored or were summarily denied without proper investigation. Even after the CFPB determined that my complaints were valid, Experian provided vague and nonresponsive answers that failed to address any of my valid points, questions, or demands for resolution. \n\nYour negligence in handling this matter caused tremendous damage to my credit file over the years, negatively affecting my financial opportunities and creditworthiness. This extended period of mismanagement further constitutes a clear violation of your obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in reporting and 15 U.S.C. 1681i to conduct reasonable investigations. \n\nDemands for Remediation and Compliance Given the documented failures outlined above, I formally demand the following actions : 1. Immediate Review and Audit : Conduct a full audit of my credit file to identify and address any additional inaccuracies, errors, or violations that may have occurred.\n\n2. Written Confirmation of Compliance : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit file. \n3. Implementation of Corrective Measures : Take steps to ensure your compliance with the FCRA and FDCPA moving forward by improving your investigation and verification processes to prevent similar issues in the future. \n4. Compensation for Damages : Provide compensation for the harm caused to my credit standing, as well as the time, effort, and resources I expended over years of disputes due to your negligence and mismanagement of my credit file. \n\nFailure to comply with these demands will leave me no choice but to pursue further legal remedies available under the FCRA and FDCPA. These remedies may include civil penalties, statutory damages, and attorney fees, as provided under 15 U.S.C. 1681n and 15 U.S.C. 1692k. \n\nPlease respond in writing within 30 days of the receipt of this letter to confirm your compliance and detail the actions taken to resolve this matter. \n\nSincerely, [ XXXX XXXX XXXX ]","date_sent_to_company":"2024-12-16T15:58:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11167878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-16T15:58:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Written Confirmation of <em>Compliance</em> : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit <em>file</em>. \n3. Implementation of Corrective Measures : Take steps to ensure your <em>compliance</em> with the FCRA and FDCPA <em>moving</em> forward by improving your investigation and verification processes to prevent similar issues in the future. \n4."]},"sort":[11.699554,"11167878"]},{"_index":"complaint-public-v1","_id":"11167831","_score":11.690084,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : Formal Demand for Compliance Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Experian Compliance Department , This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling, and mismanagement of my credit file. The specific incidents detailed below outline clear violations of federal statutes and regulations governing credit reporting accuracy and your failure to meet your obligations to protect consumers from abusive and inaccurate reporting practices. \n\nIncident 1 : Negligence in Handling Trade Line from XXXX XXXX A trade line associated with XXXX XXXX was abusively and falsely reported as a charge-off/collection account with an original balance of {$300.00} and a past-due balance of {$470.00}. Despite several disputes submitted to Experian, you denied my challenges without conducting a thorough and reasonable investigation, as required under 15 U.S.C. 1681i of the FCRA. It was only after I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) that this inaccurate trade line was removed from my credit file. \n\nYour failure to address this issue in a timely and accurate manner caused undue harm to my creditworthiness and violated your obligation under the FCRA to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ).\n\nIncident 2 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX abusively and falsely reported a collection account purportedly associated with XXXX. Despite my repeated disputes, your investigations failed to address the inaccuracies of the reported debt. This company even provided a fraudulent verification document with fabricated account numbers and dates, yet Experian accepted this document without sufficient scrutiny. \n\nOnce again, it took intervention from the CFPB for this fraudulent trade line to be removed, highlighting your failure to reasonably investigate disputes and protect consumers from abusive debt collection practices, as required under the FDCPA ( 15 U.S.C. 1692 ) and FCRA ( 15 U.S.C. 1681i ).\n\nIncident 3 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was allowed to report on my credit file for over 80 months despite the account being closed and charged off at {$180.00}, with a cap of {$240.00}. Rather than reflecting accurate information, the trade line was negligently allowed to accumulate month-to-month balances of {$1.00} {$3.00} until its removal, once again, only after CFPB intervention. At the time of removal, the past-due balance fluctuated between {$290.00} and {$290.00}. \n\nThroughout this period, I submitted multiple disputes and demands for verification and investigation to Experian, all of which went ignored or were summarily denied without proper investigation. Even after the CFPB determined that my complaints were valid, Experian provided vague and nonresponsive answers that failed to address any of my valid points, questions, or demands for resolution. \n\nYour negligence in handling this matter caused tremendous damage to my credit file over the years, negatively affecting my financial opportunities and creditworthiness. This extended period of mismanagement further constitutes a clear violation of your obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in reporting and 15 U.S.C. 1681i to conduct reasonable investigations. \n\nDemands for Remediation and Compliance Given the documented failures outlined above, I formally demand the following actions : 1. Immediate Review and Audit : Conduct a full audit of my credit file to identify and address any additional inaccuracies, errors, or violations that may have occurred.\n\n2. Written Confirmation of Compliance : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit file. \n3. Implementation of Corrective Measures : Take steps to ensure your compliance with the FCRA and FDCPA moving forward by improving your investigation and verification processes to prevent similar issues in the future.\n\n4. Compensation for Damages : Provide compensation for the harm caused to my credit standing, as well as the time, effort, and resources I expended over years of disputes due to your negligence and mismanagement of my credit file. \n\nFailure to comply with these demands will leave me no choice but to pursue further legal remedies available under the FCRA and FDCPA. These remedies may include civil penalties, statutory damages, and attorney fees, as provided under 15 U.S.C. 1681n and 15 U.S.C. 1692k.\n\nPlease respond in writing within 30 days of the receipt of this letter to confirm your compliance and detail the actions taken to resolve this matter. \n\nSincerely, [ XXXX XXXX XXXX ]","date_sent_to_company":"2024-12-16T15:58:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11167831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-16T15:35:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Written Confirmation of <em>Compliance</em> : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit <em>file</em>. \n3. Implementation of Corrective Measures : Take steps to ensure your <em>compliance</em> with the FCRA and FDCPA <em>moving</em> forward by improving your investigation and verification processes to prevent similar issues in the future.\n\n4."]},"sort":[11.690084,"11167831"]},{"_index":"complaint-public-v1","_id":"3266693","_score":10.404591,"_source":{"product":"Debt collection","complaint_what_happened":"I have had a Wells Fargo checking account since XX/XX/XXXX. The Wells Fargo checking account was not my primary checking account, but was primarily used for \" auto payments '' for various other creditors. I have been slowly moving auto payments from my Wells Fargo checking account to other accounts with the intention of closing my Wells Fargo account. In midXX/XX/XXXX, I received notice from Wells Fargo that my checking account was overdrafted. The cause of this was an auto payment from/for another creditor that I forgot was tied to my Wells Fargo checking account. The amount of the overdraft was {$450.00}. On XX/XX/XXXX, I took {$450.00} in cash to my local Wells Fargo branch ( XXXX XXXX branch in XXXX, GA ) and paid the overdraft. The account balance was {$0.00}. I instructed the branch to close the account, and they indicated that the account was now closed. On XX/XX/XXXX, I received an e-mail update about my Wells Fargo account activity indicating that the account balance was now - {$5.00} due to a checking account service fee. I was surprised, considering the account was supposed to be closed. On XX/XX/XXXX, I received another e-mail update about my Wells Fargo account activity indicating that my account balance was now - {$75.00} due to two ( 2 )  {$35.00} fees for overdrafts for two more auto payments I did not realize were tied to my Wells Fargo checking account. I was again surprised, considering that my Wells Fargo checking account should have been closed by my local Wells Fargo branch on XX/XX/XXXX. On XX/XX/XXXX, I received an e-mail from Wells Fargo stating that my account was now in collections and a collections account was being reported on my credit report. On or around XX/XX/XXXX, I called the phone number listed in the e-mail - ( XXXX ) XXXX - and indicated to the collections representative who answered the phone that I wished to dispute my account. After some back and forth discussion with the representative, I got frustrated and stated that I would pay the balance to ensure that the account was not negatively reported on my credit. The representative on the phone informed me that I could not make a payment because my account was now in dispute. Today - XX/XX/XXXX - I called the phone number listed in the collections e-mail I received from Wells Fargo - ( XXXX ) XXXX - to state that I had received no further correspondence or follow up on the status of my dispute, and wished to understand the status of the dispute of my checking account. The representative informed me that no dispute was listed on my account, and that he was unable to process my dispute and needed to transfer me to a different department to file a dispute. I informed the representative that I was very surprised to hear this, considering the representative I had previously spoken with had accepted my dispute and not allowed me to make payment on the account because of the dispute status. The phone number of the claims department where I was transferred was ( XXXX ) XXXX. At this point, I am alarmed that Wells Fargo does not seem to honor their obligations to receive and process consumer disputes in a timely fashion, and am equally alarmed that a negative account may be reported on my credit report. I was initially advised that my account was in a dispute status, only to be informed one month later that no such dispute was ever initiated, and being told that disputes could not be received by the collections department. I owe {$75.00} in FEES that should not have been charged to my account, and for which I am not responsible. My local branch failed to close my account as they were advised by me, the account holder, to do. I ask Wells Fargo to close my account and remove the negative report from my credit report immediately, and urge Wells Fargo to perform an audit of their collections and recovery teams to determine whether they have adequate consumer safeguards that allow consumers to dispute accounts and whether their teams understand and are able to follow these processes. This is unacceptable, and as a compliance professional in the debt collection industry I am completely flummoxed as to how unprofessional and inept Wells Fargo 's recovery teams appear to me. They are causing significant consumer harm.","date_sent_to_company":"2019-06-06T19:31:01.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"30075","tags":null,"has_narrative":true,"complaint_id":"3266693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-06-06T19:23:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The representative informed me that no <em>dispute</em> was listed on my account, and that he was unable to process my <em>dispute</em> and needed to transfer me to a different <em>department</em> to <em>file</em> a <em>dispute</em>. I informed the representative that I was very surprised to hear this, considering the representative I had previously spoken with had accepted my <em>dispute</em> and not allowed me to make payment on the account because of the <em>dispute</em> status."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[10.404591,"3266693"]},{"_index":"complaint-public-v1","_id":"21554743","_score":9.972676,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed multiple disputes in XXXX related to duplicate transactions and non-delivery of services through an online platform. The issue is straightforward : I paid for services and credits that I ultimately can not access, withdraw, or use. The platform experienced failures including wiped balances, inaccurate tracking of credits, and account lockout. I have provided supporting documentation showing that I had a significant balance that is now inaccessible. \n\nDespite this, Wells Fargo has taken the position that services were rendered. This conclusion ignores the fact that I do not have access to the account or the ability to use what I paid for. If I can not access or use the services, then they were not delivered. Access and the ability to use or withdraw are fundamental components of the service itself.\n\nThe handling of my disputes has been inconsistent, contradictory, and raises serious concerns about compliance with Regulation E. \n\nThe claims were initially opened on XX/XX/XXXX and denied within 24 hours after being routed to the wrong department. This error was later acknowledged by the executive team. The claims were then repeatedly reopened and closed between XX/XX/XXXX and XX/XX/XXXX, often within very short timeframes and without any clear explanation or documented investigative findings. \n\nOn XX/XX/XXXX, I received communication stating that more time was needed to complete the investigation. However, on XX/XX/XXXX, the claims were denied. When I contacted the executive team shortly after, the most recent internal notes still stated : * Pending partner response * Verified IMC response should be today * Pending outcome for Regulation E claim These notes confirm that the investigation was still ongoing at the time the claims were denied. Despite this, Wells Fargo proceeded to close the claims. \n\nIn addition, Wells Fargo stated in their response that they are reviewing the other transactions and will provide updates separately. These transactions are part of the same claims that were already denied. This creates a direct contradiction : Wells Fargo can not claim the investigation is complete while simultaneously stating that the same transactions are still under review. This indicates the investigation was not complete at the time of denial. \n\nThere have also been significant inconsistencies in how my claims were handled. The claim from XX/XX/XXXX remains open with provisional credit issued and is still under review. Additionally, I opened another claim on XX/XX/XXXX for a separate transaction, and provisional credit was issued on that claim as well, which also remains open. \n\nAt the same time, the remaining claimsfiled under the same circumstanceswere denied without provisional credit. This demonstrates inconsistent application of Regulation E requirements. Claims where provisional credit is issued remain open and under review, while others are denied despite exceeding the same timeframe and involving similar facts. \n\nI was also given conflicting information between departments. The claims department advised that provisional credit should have been issued but could not act because the executive team controls the claims. The executive team stated the claims were denied and directed me back to the claims department. This resulted in a continuous runaround with no resolution.\n\nWells Fargo also failed to follow the requirements of Regulation E under the Electronic Fund Transfer Act. Specifically, under 12 CFR 1005.11 ( c ) ( 2 ), if a financial institution can not complete its investigation within 10 business days, it is required to provisionally credit the consumers account while the investigation continues.\n\nIn my case, Wells Fargo explicitly stated that more time was needed to complete the investigation, confirming that the investigation exceeded the 10-business-day timeframe. Despite this, provisional credit was not issued on the majority of my claims.\n\nWells Fargo can not extend the investigation timeline and deny provisional credit at the same time. The regulation requires provisional credit if the investigation is not completed within the required timeframe.\n\nAdditionally, Wells Fargos determination that there are no grounds for a chargeback is inconsistent with established dispute standards. My claims involve non-delivery of services, services not as described, duplicate transactions, and failure to provide access to purchased services. At the time of purchase, there was no clearly disclosed no-refund policy presented through the payment processor.\n\nAt this point, the record shows : * Claims were denied while internal notes show the investigation was still pending * Wells Fargo acknowledged the need for additional time but did not issue required provisional credit * Conflicting and contradictory information was provided between departments * Claims were repeatedly opened and closed without clear resolution * Identical claims were handled inconsistently, including some receiving provisional credit while others did not I also want to document a concerning development that occurred while my disputes are still active. \n\nI have now been notified that my accounts will be closed by XX/XX/XXXX, despite multiple open claims, pending investigations, and formal notices of error and appeals already submitted. At the same time, I have observed a pattern where any new claims I submit are closed within a very short timeframe ( often within an hour ) when provisional credit is not issued. \n\nThis raises serious concerns about how my disputes are being handled. Closing accounts while disputes are active, combined with the immediate closure of newly submitted claims, creates the appearance that my claims are not being fully reviewed or processed under standard procedures. \n\nAdditionally, this pattern is inconsistent with how other claims have been handled, including claims where provisional credit was issued and those claims remain open and under review. The difference in treatment between claims that receive provisional credit and those that do not further highlights the lack of consistency in how my disputes are being processed. \n\nGiven that I have submitted formal notices of error and appeals within the required timeframe, I am requesting that all claims be properly reviewed and handled in accordance with Regulation E requirements, regardless of the status of my accounts.\n\nI have also filed a complaint with the Office of the Comptroller of the Currency, which has opened a case and is currently reviewing this matter.\n\nI am requesting that the Consumer Financial Protection Bureau review this case for compliance with Regulation E and the Electronic Fund Transfer Act. Wells Fargos handling of this matter raises serious concerns about whether proper investigation procedures were followed and whether required consumer protections were applied. \n\nI also request that these claims be reassigned to a different representatives at a higher level than the current escalation specialist ( XXXX XXXX ). My interactions with the current assigned representative have been inconsistent, with conflicting information provided at different times regarding the status of the claims, provisional credit, and investigation progress. This has contributed to confusion and a lack of confidence in how my case is being handled. \n\nGiven the inconsistencies and communication issues, I am requesting that a different representative review and handle these claims moving forward to ensure an objective, thorough, and compliant investigation.","date_sent_to_company":"2026-04-24T04:45:53.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"32211","tags":null,"has_narrative":true,"complaint_id":"21554743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-24T04:25:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["The handling of my <em>disputes</em> has been inconsistent, contradictory, and raises serious concerns about <em>compliance</em> with Regulation E. \n\nThe claims were initially opened on XX/XX/XXXX and denied within 24 hours after being routed to the wrong <em>department</em>. This error was later acknowledged by the executive team."]},"sort":[9.972676,"21554743"]},{"_index":"complaint-public-v1","_id":"2696758","_score":9.800795,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It 's XXXX am in the morning, guest what I 'm XXXX doing, XXXX, EQUIFAX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, I love it, make XXXX sure that the IRS is on this. This crook XXXX XXXX is testi-lying, this is a real crook. Now this was my opening statement to my open complaint with Equifax. Equifax has been allowed to toy with my XXXX credit report for over 25 years or so, they 've suppressed my ( 1 ) credit score, ( 2 ) they 've added credit accounts that did belong to me, such as XXXX, there 's two accounts, this bastards added an additional account, XXXX XXXX ) Equifax has collaborated with XXXX and XXXX to report falsified accounts, delays in the removal of disputed accounts, ( 4 ) Equifax has removed my mortgage account, account number XXXX, this XXXX account has been sold/transferred, but these XXXX XXXX XXXX XXXX deleted this account when I made mention to XXXX XXXX of my VA Mortgage Loan underwriting process XXXX This account, mortgage account, loan number XXXX would increase my credit score by 30 -100 points but these bastards at XXXX XXXX XXXX Equifax are XXXX bent on showing me that I 'm ignorant, and I do n't have any RIGHTS, and they can f ... .. do what will with my credit file. Now there are several accounts that are CLOSED, do to a ignorant XXXX VP at XXXX XXXX XXXX XXXX that discriminated against equity loan for setting his XXXX straight and talking like a real strong XXXX man, that do n't kiss XXXX and will not kiss XXXX. I 've filed a complaint with HUD, HUD still investigating. Now these retards, Equifax, XXXX, and XXXX, as well as XXXX XXXX and XXXX XXXX XXXX, think I do n't fight back, well XXXX I beggar to differ. See in XXXX I fought XXXX XXXX XXXX XXXX back which equated to {$110000.00} Principal FORGIVENESS, FORGIVENESS, FORGIVENESS, 2 % INTEREST RATE, DO YOU HEAR THIS EQUIFAX, XXXX FIGHT BACK. I WANT TO BE CLEAR, UNDERSTAND THIS EQUIFAX, I HAVE OVER 30 YEARS OF CREDIT REPORTS THAT I 'VE BEEN SAVING FOR FEDERAL COURT, SEE I SEE WHAT YOU BASTARDS HAVE BEEN DOING TO ME, AND YOU GOT THE CONSUMER FINANCIAL PROTECTION BUREAU allowing your games to be XXXX played with me, but this is what I 'm going to do, file complaint with the Justice Department against CFPB, CFPB I see you, there 's notes on my account to not assist me as a XXXX Consumer when filing my complaints, but answer the XXXX Justice Department civil rights XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX Veteran and Social Security Beneficiary, DO YOU GET IT, CFPB, I SEE YOU, YOU ARE NOT DOING A XXXX THING WITH MY COMPLAINT REQUEST, SO I 'M GOING TO HAVE TO ASK FOR INVESTIGATES BY OIG AND YOUR COMPLIANCE DEPARTMENT WITH CFPB, Oh yea! CFPB, have these rat XXXX, Equifax and XXXX XXXX XXXX put my XXXX sold/transferred Mortgage account back on my credit report. Now I know you, [ CFPB ] have taken a look at my credit report, so I suggest that you CFPB do n't think I do n't know what 's going on, Really, you have got to be kidding me! OH I SEE THE GAME! Take a look at my Credit Report baby, CFPB, I 'm in gooooood shape, I 'm retired, over XXXX a month, {$1.00} mill owed to me, $ XXXX Equity in my, MY XXXX HOME, MY HOME. BUT XXXX TURNED MY CREDIT SITUATION UP SIDE DOWN BY THIS CROOK XXXX XXXX VP OF LOAN AT XXXX XXXX XXXX XXXX, SEE THIS XXXX THOUGHT I WOULD KISS HIS XXXX, I DO N'T KISS XXXX, I SUE XXXX, I 'M GOOD AT WHAT I DO. Equifax remove that f .... fraudulent XXXX account off my credit report. Listen up Equifax, every MORTGAGE INQUIRY THAT 'S ON MY CREDIT REPORT, EACH LENDER WILL BE XXXX XXXX XXXX SUBPOENA moving forwarded and explain in Federal court as to why I was denied a VA Mortgage Loan. Experian you XXXX XXXX are going to make me a rich man. Head hunting for Consumer Attorney here in XXXX to prosecute my Consumer Discriminatory claim against you XXXX XXXX, HOW DARE YOU XXXX  .... WITH MY XXXX Credit file.","date_sent_to_company":"2017-10-09T08:41:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30039","tags":"Servicemember","has_narrative":true,"complaint_id":"2696758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-09T07:54:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Department</em> civil rights XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX Veteran and Social Security Beneficiary, DO YOU GET IT, CFPB, I SEE YOU, YOU ARE NOT DOING A XXXX THING WITH MY COMPLAINT REQUEST, SO I 'M GOING TO HAVE TO ASK FOR INVESTIGATES BY OIG AND YOUR <em>COMPLIANCE</em> <em>DEPARTMENT</em> WITH CFPB, Oh yea!"]},"sort":[9.800795,"2696758"]},{"_index":"complaint-public-v1","_id":"12629915","_score":9.72903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity Theft Notification and Legal Demand for Deletion of Unverified Accounts and Inquiries Pursuant to 15 U.S.C. 1681b, 1681c-2, and 1681i Dear Experian Legal Department , This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) that I have become a victim of identity theft, and you are reporting information on my credit file without a permissible purpose, in direct violation of 15 U.S.C. 1681b.\n\nAdditionally, under 15 U.S.C. 1681c-2, you are prohibited from reporting accounts or inquiries that result from identity theft once notified. This letter, combined with my previously submitted FTC Identity Theft Report ( Report # XXXX ), constitutes formal notice. The report includes all required attestations under penalty of perjury. \n\nAs such, you are now legally obligated to permanently delete the following accounts and hard inquiries, which have either resulted from identity theft or continue to be reported without my authorization or consent. No signed application, contract, or agreement with my wet signature has been produced by any of the furnishers. \n\nDisputed Accounts ( Must Be Deleted Immediately ) : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX INT FC Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Unauthorized Hard Inquiries ( Must Be Deleted Immediately ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for My Demands : 15 U.S.C. 1681b prohibits the furnishing of consumer reports without the consumers written permission or a permissible purpose. You have not received my authorization, nor is there any valid permissible purpose for the above-listed accounts or inquiries.\n\n15 U.S.C. 1681c-2 requires that any information resulting from identity theft must be blocked from appearing on a credit report once notice and proof have been submitted. I have provided that notice via the FTC Identity Theft Report on file.\n\nA CFPB complaint is already active against Experian regarding failure to properly investigate disputes under 15 U.S.C. 1681i. Continued noncompliance adds to your liability.\n\nWhat You Must Do : Permanently delete all accounts and inquiries listed above from my credit file.\n\nProvide written confirmation of deletion within 15 calendar days of receiving this letter.\n\nDo not sell, distribute, or furnish my consumer data to any third parties moving forward without written authorization.\n\nIf You Fail to Comply : If Experian continues to report the disputed accounts or inquiries after this formal identity theft notification, I will : Escalate my CFPB complaint and submit an FTC violation report ; File a lawsuit against Experian for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o ; Seek statutory, actual, and punitive damages as permitted by law.\n\nThis is your final opportunity to correct your records and come into compliance with federal law. I expect a full deletion and written confirmation within 15 days.","date_sent_to_company":"2025-03-24T01:06:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07701","tags":null,"has_narrative":true,"complaint_id":"12629915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-24T00:57:22.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Do not sell, distribute, or furnish my consumer data to any third parties <em>moving</em> forward without written authorization."]},"sort":[9.72903,"12629915"]},{"_index":"complaint-public-v1","_id":"1310299","_score":9.400575,"_source":{"product":"Credit reporting","complaint_what_happened":"In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX Servicing ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website. \nTwo months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and \" remove all delinquencies '' from my account. \nThe lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate \" at XXXX time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following XXXX guidelines by keeping inaccurate information on my credit report. I have since confirmed with XXXX XXXX XXXX representatives, this is untrue. \nThe lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA. \nAt the advice of the lender I removed the loans from deferment, and they have since started reporting payments. \nI have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. \nI filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies. \nThe attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA XXXX ( a ). Please investigate and request removal","date_sent_to_company":"2015-04-01T17:47:39.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33713","tags":null,"has_narrative":true,"complaint_id":"1310299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-04-01T17:47:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["I <em>filed</em> a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to <em>compliance</em> with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies."]},"sort":[9.400575,"1310299"]},{"_index":"complaint-public-v1","_id":"1310298","_score":9.398641,"_source":{"product":"Credit reporting","complaint_what_happened":"In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website. \nTwo months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and \" remove all delinquencies '' from my account. \nThe lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate \" at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following Dept. of Education guidelines by keeping inaccurate information on my credit report. I have since confirmed with Dept of Education representatives, this is untrue. \nThe lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA. \nAt the advice of the lender I removed the loans from deferment, and they have since started reporting payments. \nI have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. \nI filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies. \nThe attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal","date_sent_to_company":"2015-04-01T17:42:31.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33713","tags":null,"has_narrative":true,"complaint_id":"1310298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-04-01T17:42:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["I <em>filed</em> a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to <em>compliance</em> with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies."]},"sort":[9.398641,"1310298"]},{"_index":"complaint-public-v1","_id":"1310297","_score":9.387488,"_source":{"product":"Credit reporting","complaint_what_happened":"In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website. \nTwo months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and \" remove all delinquencies '' from my account. \nThe lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate \" at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following Dept. of Education guidelines by keeping inaccurate information on my credit report. I have since confirmed with Dept of Education representatives, this is untrue. \nThe lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA. \nAt the advice of the lender I removed the loans from deferment, and they have since started reporting payments. \nI have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. \nI filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies. \nThe attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal","date_sent_to_company":"2015-04-01T17:37:15.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33713","tags":null,"has_narrative":true,"complaint_id":"1310297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-04-01T17:37:13.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["I <em>filed</em> a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to <em>compliance</em> with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies."]},"sort":[9.387488,"1310297"]},{"_index":"complaint-public-v1","_id":"1310296","_score":9.387488,"_source":{"product":"Debt collection","complaint_what_happened":"In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status XXXX derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website. \nTwo months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and \" remove all delinquencies '' from my account. \nThe lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate \" at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following XXXX guidelines by keeping inaccurate information on my credit report. I have since confirmed with XXXX representatives, this is untrue. \nThe lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA. \nAt the advice of the lender I removed the loans from deferment, and they have since started reporting payments. \nI have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. \nI filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies. \nThe attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal","date_sent_to_company":"2015-04-01T17:31:01.000Z","issue":"False statements or representation","sub_product":"Federal student loan","zip_code":"33713","tags":null,"has_narrative":true,"complaint_id":"1310296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2015-04-01T17:31:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I <em>filed</em> a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to <em>compliance</em> with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies."]},"sort":[9.387488,"1310296"]},{"_index":"complaint-public-v1","_id":"11553558","_score":9.157974,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Experian Legal Department Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Fabricated Disputes, FCRA Violations, and Systemic Reporting Failures Dear Experian Legal Department and CFPB Representative , This letter serves as a formal complaint and demand for immediate action regarding Experians systemic violations of the Fair Credit Reporting Act ( FCRA ), including the intentional fabrication of dispute results, furnishing of inaccurate or deceptive information, and repeated failure to conduct reasonable investigations into legitimate disputes.\n\nExperians actions in my case not only reflect the same disregard for compliance but also demonstrate a blatant failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ) to investigate disputes and ensure accurate reporting. \nAs a consumer, I am the direct victim of Experians negligence and misconduct. Despite following all proper channels to dispute inaccuracies, Experian has failed me by : XXXX. Fabricating False Dispute Results ( XXXX XXXX XXXX ) : Experian fabricated a nonexistent XXXX XXXX XXXX account multiple times in my dispute results. This was not a clerical errorit was a clear manipulation of my credit file and dispute outcome. \nBy creating and deleting fabricated accounts, Experian has undermined my ability to trust its systems and caused unnecessary stress and confusion. \nXXXX. Negligence in Investigating XXXX  Accounts : Experian blindly accepted XXXX XXXX  certification of accuracy without conducting any independent verification, despite evidence of inaccuracies in the accounts I disputed. \nThe refusal to correct or investigate these accounts has harmed my credit profile and financial opportunities.\n\n3. Repeated Violations of FCRA : Experians actions violate multiple provisions of the FCRA, including its duty to conduct reasonable investigations ( 15 U.S.C. 1681i ) and to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). \nThese violations have not only caused direct harm to me but have also eroded public trust in credit reporting institutions. \nExperians Fabrication of Dispute Information and Certification by XXXX XXXX  XXXX. Fabrication of Dispute Results ( XXXX XXXX XXXX ) : The document attached clearly shows that Experian fabricated dispute information for a nonexistent account, labeled as XXXX XXXX XXXX. I have never had an XXXX XXXX XXXX account appear on my credit report. However, Experian falsely included this fabricated account in my dispute results multiple times, indicating removal. \nInaccuracies in Reporting : Experians repeated creation of this fabricated account undermines the credibility of their entire dispute process and raises serious concerns about their internal practices. \nThere is no corresponding tradeline for XXXX XXXX XXXX on my credit report. \nThese repeated deletions of nonexistent information are evidence of Experians deliberate attempt to manipulate dispute outcomes. \nFCRA Violations : Experians actions violate their obligations under 15 U.S.C. 1681i ( a ) to ensure disputes are investigated and resolved reasonably and accurately. Instead of conducting an actual investigation, Experian introduced false data and misrepresented dispute results. \nXXXX XXXX XXXX  Certification of Accuracy : Experian has further acted negligently in facilitating XXXX XXXX  misrepresentation of information. In response to my disputes regarding several XXXX accounts ( Account Numbers XXXX, XXXX, XXXX ), Experian provided a response stating : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. \nThis statement implies that XXXX XXXX  certified every aspect of these accounts as accurate despite clear evidence that the accounts are misrepresented, such as : Balances still being reported after the issuance of 1099-C forms, indicating cancellation of the debt. \nDebts having been securitized into trusts, which legally renders them uncollectible. \nBy relying on XXXX XXXX  blanket certification without conducting an independent or reasonable investigation, Experian has : Facilitated the continued misreporting of inaccurate information in violation of 15 U.S.C. 1681e ( b ) ( duty to ensure maximum accuracy ). \nAided and abetted deceptive practices by XXXX XXXX  that harm consumers and distort financial records. \n\n\n\n\nXXXX. Experians Fabrication of Dispute Results Experian has knowingly fabricated dispute outcomes and included false or hidden information in the dispute process, undermining my consumer rights and the integrity of the credit reporting system. Specifically : Fabrication of Data : Experian provided dispute results that included fabricated items, such as : Addresses I never disputed, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nDispute results that reference records not visible on my official credit report. \nViolations of Federal Law : 15 U.S.C. 1681g : Experian is required to provide me with complete access to all information in my credit file, including dispute-related records.\n\n15 U.S.C. 1681i ( a ) : Experian must conduct accurate and reasonable investigations into disputed items and can not falsify results or introduce fabricated data. \nBy fabricating dispute results and failing to transparently disclose all related information, Experian has acted in bad faith, undermining its obligations under the FCRA and exposing itself to severe civil penalties, including : Statutory damages of {$1000.00} per violation. \nActual damages for the financial harm and emotional distress caused by Experians misconduct.\n\nPunitive damages for willful noncompliance with federal law.\n\n2. Systemic Inaccuracies and Fabricated Reporting Experians actions extend beyond fabricated disputes and reflect systemic failures to ensure the accuracy of consumer reports. Specifically : Failure to Conduct Reasonable Investigations : Experian consistently verifies disputed information without providing supporting documentation or conducting a thorough reinvestigation. \nFor example, Experian has failed to provide verifiable proof for the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hidden or Parallel Records ( Back Office Files ) : Discrepancies between my official credit report and fabricated dispute results strongly suggest that Experian is maintaining hidden or unauthorized records that are not disclosed to consumers. \nThis practice violates : 15 U.S.C. 1681e ( b ) : The obligation to maintain reasonable procedures for maximum possible accuracy.\n\n15 U.S.C. 1681g ( a ) : The right of consumers to access all information maintained about them. \nThese systemic inaccuracies and fabricated dispute results amount to fraudulent misrepresentation of my financial history, harming my creditworthiness, credit standing, and financial opportunities. \n3. Failure to Provide 30-Day Notice of Negative Information Under Section 623 ( a ) ( 7 ) of the FCRA, creditors are required to notify consumers in writing prior to, or no later than 30 days after, furnishing negative information to credit bureaus. Experian has facilitated the reporting of negative information by creditors without ensuring compliance with this requirement. \nSpecific Failures : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have furnished negative information without providing the legally required notice. \nBy failing to confirm creditor compliance with this mandate, Experian has facilitated procedural violations, compounding the harm caused by inaccurate reporting. \nXXXX. Deceptive Reporting Practices by XXXXXXXX XXXX XXXXXXXX is reporting several accounts as profit and loss write-offs while still listing balances owed, despite : Issuing 1099-C forms to the IRS, canceling the debts. \nSecuritizing the debts into trusts, rendering the accounts uncollectible. \nThese accounts include : XXXX XXXX XXXX : Accounts XXXX, XXXX, XXXX. \nThis practice is not only deceptive but also a violation of federal tax laws and the FCRA. If the debt has been canceled or sold, XXXX has no right to continue reporting balances. Experians facilitation of this reporting perpetuates the harm caused by XXXX  fraudulent practices. \nXXXX. Legal and Regulatory Consequences for Experian Experians systemic misconduct mirrors the allegations in CFPB XXXX Experian ( Case No. XXXX ), in which the CFPB accused Experian of XXXX Failing to forward consumer-provided documentation to furnishers during disputes. \nRelying on unreliable furnisher responses to verify information. \nMisleading consumers with vague or fabricated dispute results. \nBy perpetuating these practices in my case, Experian has exposed itself to : XXXX. Civil Liability : Statutory damages of {$1000.00} per violation. \nActual damages for financial harm and emotional distress. \nPunitive damages for willful noncompliance.\n\n2. Regulatory Enforcement : The CFPB and FTC may impose substantial fines for systemic violations, with penalties exceeding {$10000.00} per instance of misconduct.\n\n3. Class Action Exposure : Experians use of hidden records, fabricated disputes, and sham investigations places it at risk of multi-billion-dollar class action lawsuits.\n\n6. Demands for Immediate Resolution To resolve these violations, I demand that Experian : XXXX. Remove All Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as outlined above. \nXXXX. Provide Proof of Compliance : Documentation that creditors furnished the required 30-day notices of negative reporting.\n\nEvidence of reasonable reinvestigations conducted for all disputes.\n\n3. Cease and Desist Fabricated Dispute Practices : Eliminate the use of hidden records or fabricated dispute results in my case and across all consumer files.\n\n4. Issue Written Confirmation : Confirm the removal of all disputed accounts and outline steps taken to ensure compliance with the FCRA moving forward.","date_sent_to_company":"2025-01-15T18:01:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"11553558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T17:40:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Issue Written Confirmation : Confirm the removal of all <em>disputed</em> accounts and outline steps taken to ensure <em>compliance</em> with the FCRA <em>moving</em> forward."]},"sort":[9.157974,"11553558"]},{"_index":"complaint-public-v1","_id":"9543323","_score":8.654011,"_source":{"product":"Mortgage","complaint_what_happened":"Shellpoint have a Fraudulent Escrow Balance that is NOT Accurate, but yet they keep these Fradulent Fees under my Escrow account, escalating my mortgage payment over the amount owed, these fraudulent fees have my escrow payment of over {$600.00} that has never been Itemized for Taxes or Insurance, my complaint to XXXX XXXX XXXX XXXX shellpoint response letter dated XXXX XXXX clearly states Paragraph 3, I dispute a erroneous, False, Fraudulent Escrow, Shellpoint Compliance department XXXX XXXX name on letter, Borrower had no ESCROW SHORTAGE and the Loan was Current when it was transferred From Ditech XXXX XXXX, Yet the Falsified, Fraudulent Escrow is still on my Mortgage statement today when I make undisputed payments on principal and Interest Shellpoint misappreciation of mortgage payment will be held until they get the Full False, Fraudulent payment with Falsified Escrow amount exceeding over {$600.00} that I do NOT owe nor did they Ever Validated per my requested to Itemized, Shellpoint letter to XXXX XXXX XXXX XXXX  said I HAD NO Escrow shortage to Itemize. Yet I am placed in delinquency if I do Not pay the full {$1100.00} monthly with Fraudulent Escrow over {$600.00} which are NOT Taxes and INsurance, they NEVER Itemized my disputed various fees attached to my Loan, only there Words saying my loan goes back to XXXX with Ditech showing fees, Falsified information, my Ditech transfer letter I provided als legal proof this is Fraudulent, clearly states my loan starting XXXX XXXX payment will go to Shellpoint, the XXXX and XX/XX/XXXX payments were made to Ditech, Never showing any Escrow shortage, Shellpoint made up this falsified, Fraudulent fees, who has a XXXX XXXX for XXXX and XXXX this is fraud and shellpoint ignored it even after I file a federal complaint for there Violations, I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Shellpoint Mortgage Servicing Docke Text : XXXXXXXX XXXX XXXX  returned as of XX/XX/XXXXXXXX XXXX XXXX XXXX \nShellpoint while under this federal complaint still put my loan into foreclosure XXXX XXXX with Attorney XXXX XXXX XXXX XXXX XXXX, I had to call this Attorney and provide him with the federal case number I filed against shellpoint and it was in the Federal Courts, this attorney confirmed then removed my home from foreclosure as Shellpoint CONTINUED Harassment of me against my loan with Continued Violations of Foreclosure with an OPEN FEDERAL Case against them. \nShellpoint still continued to place Fraudulent Escrow shortage for me to pay that I do NOT OWE, I do send Shellpoint all letter, legal Federal Case filed, XXXX department of banking Response letter FROM SHELLPOINT COMPLIANCE Department with XXXX XXXX name at the bottom of letter, Shellpoint IGNORE all Legal documents I continue send with Violations of federal and State Laws, misappropriation of my payments undisputed not including Fraudulent Escrow, they keep the payment until it will total the falsified Escrow over {$1100.00} a month for the mortgage payments, Fraudulent, False Fees, I have sent Shellpoint My Federal Case that was filed against them, yet they keep moving in a Fraudulent manner, keep saying I am researching, keep sending me the same letter they are researching but it will take time due to the complexity, Yet Shellpoint Never do anything just keep adding Fraudulent fees, attorney fees, inspection fees, fraudulent foreclosure fees while I have file federal case in court they still charged me attorney fees on my loan! Shellpoint received information I have been going through this for years, and YET Shellpoint has no RESPECT for FOLLOWING the LAWS as it pertains to ETHICAL Business Practices, Shellpoint has NO INTEREST in following the Federal and State LAWS! they Bully Homeowners to Pay What is NOT owed, they keep Fraudulent fees on my loan when Shellpoint them selves proved I had no Escrow Shortage! shellpoint caused me to file bankruptcy in the past with these FALSIFIED FEES, My Attorney in my Bankruptcy previous ask in the Court filing that Shellpoint Itemize the Fraudulent, False Escrow shortage on the PROOF of CLAIM they NEVER DID Confirm, Itemized the XXXX of the Falsified, Fraudulent Escrow Shortage reported, all of this was EXHIBITS I submitted to the courts to show continued Violations of the now Proof of Claim, when My loan was current with a Modification approved by the Courts for shellpoint, my Attorney refiled the Bankruptcy excluding Shellpoint due to Modification approved by the court, when my Attorney refiled, shellpoint turned around and submitted I owe {$20000.00}, when Shellpoint Loan was Current and Modified. shellpoint take no responsibility for there ILLEGAL, FRAUDULENT, ERRONEOUS, UNETHICAL Business Practices, completely in VIOLATIONS of my LEGAL RIGHTS! \n\nToday, I have been speaking with Shellpoint and I continue to dispute the Falsified, Illegal, Fraudulent Escrow payment, along with other legal fees, inspection fees, erroneous foreclosure fees, placed on my mortgage loan, I have a balance of under {$65000.00} owed and Shellpoint Misappropriation of my undisputed principal and interest caused my loan to become delinquent with fraudulent fees, NEVER ITEMIZED!! just letters of falsified information stating it came from Ditech with a ESCROW Negative, so Falsified, and Fraudulent. \n\nI have supporting documents and provided them to Shellpoint as they continue to ignore and keep illegal fees on my loan that is NEVER VALIDATED, Just words on what they say happened, I even have the letter I sent to them dated XXXX XXXX Dispute of the Illegal, Fraudulent Fees. \n\nShellpoint Response Letter XXXX XXXX Paragraph XXXX, letter response to my complaint, shellpoint mortgage began servicing my loan XXXX XXXX ( I agree ) Paragraph XXXX, Reviewing the records of the account the Escrow balance has not been Positive since prior XX/XX/XXXX, FALSE Loan was Transferred from Ditech XXXX XXXX without any deliquenties, on XXXX XXXX Shellpoint completed an updated escrow analysis, while there is a current escrow negative balance of {$16000.00}. the required escrow balance is calculated based on anticipation disbursements!! as well as required cushion and when the disbursement is made on Bills!! BILLS? \nThere are two options provided to pay the shortage back.\n\na. make a one time payment of {$17000.00} the monthly payment would be {$830.00} beginning XXXX XXXX or b. pay through increase Escrow Shortage! All Falsified, Fraudulent, Ditech Loan from XXXX this is LUDACRIS and FRAUD! \n\nas of XXXX XXXX I am do for XXXX payments and I have continued to dispute the Fraudulent Modification Shellpoint wanted me to pay with Large Falsified Escrow amount of - {$19000.00}, I told Shellpoint I was approved for the HAF State program to bring Loan Current But the XXXX XXXX XXXX Underwriters had to get my last 3 months statement, once the HAF counselor review the statements they will NOT pay this current knowing NO ESCROW should be this high, I sent the HAF State homeowners assistant every document, including the Federal Case I filed showing I know this is Illegal and Fraudulent. HAF State program indicated that Shellpoint need to correct this Violations of the Laws as it pertains to my mortgage Loan, and HAF Can NOT bring my loan current for these XXXX XXXX XX/XX/XXXX payments with a Erroneous, Fraudulent Escrow over {$19000.00} the escrow payment is fraudulent and it is included as my past due owed to shellpoint. XXXX XXXX I told shellpoint that I was approved to bring loan Current, But HAF Will Not pay these Fraudulent, False Escrow and that Shellpoint need to REMOVE fees, and or ITEMIZE how can TAXES and INSURANCE be {$19000.00}. My processor with the HAF State program stated XXXX XXXX you are APPROVED but Shellpoint must remove the Falsified Escrow balance, she calculated my insurance with State Farm XXXX, and my XXXX XXXX Taxes of {$2400.00} yearly and it will NEVER be {$19000.00}. I was also provided with information showing Shellpoint/Newrez have had a class action lawsuit settlement for these same kind of violations in various states. \nI would like to bring my loan Current, and also working with a company to help me pay off shellpoint but not under these Fradulent fees. NO ONE will assist in paying Fraudulent, Falsified, Erroneous FEES. \n\nXX/XX/XXXX, I was diagnosed with XXXX XXXX, with an XXXX  XXXX to follow immediately, being that I filed the case XXXX in federal court, I called the Courts and informed them I could No Longer run to the courts to file response, etc. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to show Cause it read On XXXX XXXX Plaintiff XXXX XXXX asked the court to dismiss her case due to fading XXXX XXXX XXXX XXXX  Needs : Notice ( XXXX ) she said she was recently diagnosed with XXXX and need to focus on her medical issues. \nTHIS WAS IN MY COURT FILE FROM THE Judge. \n\nXXXX XXXX Shellpoint Attorney XXXXXXXX XXXX XXXX XXXX XXXX XXXX Letter to me : Stated I am in receipt of your dismissal of the above -reference litigation, My firm will now close its file for this litigation. Going forward, please contact Shellpoint directly with questions you may have about your account.\n\nI have expedited ALL of this communication since to Shellpoint But they seem to be Oblivious to Following the Laws, as of XXXX XXXX Shellpoint Are still in VIOLATIONS with a CONTINUED FRAUDULENT Balance and Escrow NEVER ITEMIZED from DAY ONE of the Request! I have sent Legal case filed, shellpoint foreclosure attorney filing foreclosure XXXX XXXX letter from XXXX XXXX XXXX on foreclosure, while in a Court case against Shellpoint. \nShellpoint sent me an Payoff Good through XXXX XXXX with Illegal, Fraudulent Fees, as I ask to remove the fraudulent fees so that I can GET further Mortgage Assistance from the HAF state program, and or get the PAYOFF without dispute Legal fees that were fraudulent, false, inspection fees, proof of claim fees, all falsified fees. \n\nI am asking Shellpoint to STOP the BULLING on my Loan as I am Now XXXX XXXX XXXX XXXX XXXXXXXX, etc I just WANT OUT with dealing with Shellpoint, this has caused continued STRESS as I told Shellpoint, MY XXXX XXXXXXXX XXXX XXXX when I see my XXXX XXXX  and I can NOT get the treatment until my XXXX XXXX go down, I am always stressed behind How Shellpoint Violations on my Loan and STRESSED on losing my home with Shellpoint Illegal, Unethical, Fraudulent business practicing as it pertains to my Loan. \n\nPlease STOP Shellpoint from these Continued Fraudulent, Falsified, Unethical Servicing on my Loan, I want to get this current with the Help of the HAF state approval but they will NOT help knowing this is Illegal, Fraudulent amounts Shellpoint are DEMADEING from me.\n\nNOTE : I have ALL supporting documents to provide to you as I have also to shellpoint they ignored even there own information, on shellpoint letterhead from the compliance department XXXX XXXX, I remain concerned as Shellpoint are looking to Put me in another Fraudulent Foreclosure being I am due for XXXX XXXX XXXX false payments amounts, and they ignored removing so that I can move forward with the HAF State homeowner assistance and or my son working to help me get Shellpoint paid off, to Stop Shellpoint from Fraudulent, False Fees on my loan. \n\nThank you XXXX XXXX XXXX","date_sent_to_company":"2024-07-17T21:11:32.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"391XX","tags":null,"has_narrative":true,"complaint_id":"9543323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-07-17T18:54:37.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Shellpoint still continued to place Fraudulent Escrow shortage for me to pay that I do NOT OWE, I do send Shellpoint all letter, legal Federal Case <em>filed</em>, XXXX <em>department</em> of banking Response letter FROM SHELLPOINT <em>COMPLIANCE</em> <em>Department</em> with XXXX XXXX name at the bottom of letter, Shellpoint IGNORE all Legal documents I continue send with Violations of federal and State Laws, misappropriation of my payments undisputed not including Fraudulent Escrow, they keep the payment until it will total the falsified"]},"sort":[8.654011,"9543323"]},{"_index":"complaint-public-v1","_id":"2986964","_score":8.27531,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, This letter serves as an attachment to the complaint I am filing with you regarding Wells Fargo Bank ( WF ), with whom I have been a begrudging customer for 10+ years and an employee ( teller ) back in XX/XX/XXXX-XX/XX/XXXX. This year I went to WF for assistance when I was alerted to the fact that I was the victim of fraud by a company named XXXX XXXX XXXX ( XXXX ). Through an online ad-flipping platform and a four-month relationship in which I was harassed, bullied, disrespected and patronized by account managers '', I was scammed/defrauded out of just over $ 10K. This was the remaining amount from a confidential settlement I received from a University after poor treatment from its faculty in a XXXX program left me with XXXX, XXXX and XXXX XXXX. \n\nAfter conversations with representatives from the Consumer Watch division of XXXX XXXX XXXX XXXX XXXX ( who informed me I had fallen prey to a complex scam ), I immediately went to my bank to ask for help recovering the money I was promised would be used for lower risk, short term growth. Because every one of the 4.1 transactions took place on my WF debit card ( totaling {$10000.00} ) I filed disputes of the transactions on XX/XX/XXXX, an option that is eligible to customers under two conditions : 1 ) the transactions were not authorized or ; 2 ) the customer did not receive the product or services that were paid for. Wells Fargo Bank conducted a cursory investigation and gave me a temporary credit of {$2500.00}. I was given assurances by the personal banker I spent over two hours discussing this issue with that the bank would help me recover the remaining money. \n\nWeeks later, after having to execute a relocation from XXXX to XXXX with no money, Wells Fargo concluded its investigation and denied the disputes on the basis the transactions were authorized ( citing an agreement with terms that had my signature on it ). That wasnt the condition I filed the disputes under and I signed that agreement with XXXX on XX/XX/XXXX ( at which point I had invested {$250.00} ) and had no idea I was signing the very document that would cause WF to deny me assistance. I only signed that document because this was an international company and I believed that signing documents given to me under the guise of compliance was protecting myself should this company disappear with my investment. Despite spending two hours in a branch in XXXX XXXX talking to a personal banker who walked me through the dispute process, assisted me with taking screen shots of the online platform and even reviewed my cover letter and supplemental materials for the claims filed with Card Services ( XXXX and Wells Fargo Card Services.docx ), WF not  only told me I was on my own as far as recovering the money, but that they were taking back the credit of {$2500.00}. Having to use that money to relocate, my credit and checking account went into the negative and have been hemorrhaging with overdraft fees, insufficient funds fees, etc I had to open an account with XXXX while I requested a review/appeal of the decision by the Card Services department. After learning of all that transpired, the personal banker believed an error was made and there was still recourse to pursue. He emailed me the Customer Friendly Phone Number to Direct Office or CEO XXXX XXXX. I called this number and opened a review of WFs decision with the Executive ATM Services department. \n\nIt is now XX/XX/XXXX and no decision has been made. I have lost count of how many times I have called the personal banker, Customer Service, etc. The closest WF branch is two hours one-way on public transportation. Another personal banker advised me to execute a loss transfer to freeze the overdraft charges. That only made matters worse. By my estimates WF is now treating me like I am a delinquent customer, owing them  somewhere around {$4500.00}. I have manged to resolve the issues with my credit card, which is still active with them. In addition to the appeal I filed with WF after the first denial, I have filed the following reports, charges or complaints in an attempt to resolve this fiasco and recover the money I invested ( as opposed to fighting Wells Fargo over money they say I now owe THEM ) of which I have not gotten back even one cent or seen any product or service provided : 1. Police Report with the XXXX Police Department ( Online Police Report XXXX ) 2. Complaint at econsumer.gov ( Reference No : XXXX ) 3. Complaint with IL Office of the Attorney General ( Reference No : XXXX XXXX ) 4. Complaint with Federal Trade Commission ( Reference No : XXXX Not only am I frustrated with WF, but my efforts to find employment to get back on my feet have been tanked by WF due to recent delinquencies reported to the credit bureaus. I applied to be a XXXX XXXX for XXXX and XXXX. I dont have a car and after waiting six weeks for a background check to clear, I was denied eligibility to rent a vehicle to work because of my credit, which has been impacted by the above-mentioned events. WF knows that it has a much better chance of recovering the full amount plus fees and damages from these scam artists ( with my assistance ). On my own, the most I can hope for is recovering a partial amount after several months, which WF now expects me to hand over to settle my accounts with them. I dont want them to report me to checking systems in which case my account with XXXX will be closed and Ill have no ability to open a checking account. On principal I feel strongly opposed to giving WF any of the money I may or may not recover. Due to the actions ( or lack thereof ) of Wells Fargo my invested money is now seeing a return or growth, but horrifically it is only in the amount of debt and financial ruin I am incurring. WF failed to protect me as a customer and were complicit with XXXX XXXX XXXX in committing theft, fraud, and deceptive business practices. \n\nI found out in XX/XX/XXXX that I gained admission to XXXX University, but without guaranteed fellowship funding to start. Had I left this money in an account, I could have started school later this month and applied for internal and external funding to finish the degree I started pursuing in XX/XX/XXXX. Instead of moving forward ( the reason I took a settlement as opposed to suing for Title IX and civil rights violations ) I am now faced with the real possibility of having to declare bankruptcy. I just found out today on XX/XX/XXXX that Wells Fargo has closed my checking account, they sent me an email about my closed checking account and are demanding payment and reporting the closed account to \" XXXX XXXX XXXX  ''. I imagine they are going to try and get a judgement, garnish any wages I might get, etc. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2018-08-09T13:58:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"2986964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-08-09T13:22:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Weeks later, after having to execute a relocation from XXXX to XXXX with no money, Wells Fargo concluded its investigation and denied the <em>disputes</em> on the basis the transactions were authorized ( citing an agreement with terms that had my signature on it ). That wasnt the condition I <em>filed</em> the <em>disputes</em> under and I signed that agreement with XXXX on XX/XX/XXXX ( at which point I had invested {$250.00} ) and had no idea I was signing the very document that would cause WF to deny me assistance."]},"sort":[8.27531,"2986964"]},{"_index":"complaint-public-v1","_id":"2550727","_score":8.037853,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"1. I cosigned a lease with XXXX XXXX, XXXX XXXX, SC, for my daughter after she XXXX from XXXX XXXX XXXX XXXX who had need of some credit support with her first job. During her stay, she had the misfortune of meeting another tenant who XXXX her and ended up in XXXX XXXX XXXX. ( for which she paid the damages ) When her lease ended, she opted to move from this complex and had a detailed conversation with the two managers in the office telling them of her intention to move, dates of physically moving, etc. there was no further discussion. Subsequently she received a bill for the following month 's rent because she did not complete a form with the info about her move date, etc. ( Keep in mind that the apartment was inspected, cleaned and readied for occupancy the weekend she left. ) 2. We questioned this since she had spent quite a bit of time in the office explaining her intentions to move, etc. The response was that \" Company policy required that she fill out her request in writing and that was explained in her lease. '' They were indeed correct about that but I was quite upset that they did not remind her of that fact when she was in the office. Their response \" She should have known '' 3. We were in the stage of negotiating with XXXX XXXX when our records were turned over to Fair Collections & Outsourcing collection agency, XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ). I thought we were in continuing negotiations with FCO. Ultimately, I just gave up and paid the outstanding amount. 4.A month ago, in an effort to get our personal affairs in order, we were exploring a refinance on our personal property when this credit ding showed up on our credit report. I was flabbergasted and called FCO right away. I was assured that this matter had been paid. When I talked with the bank, however, I was advised that the matter was showing up on the credit report in spite of showing it paid ( and paid timely ). To my chagrin, I learned that the item needed to be removed from my report. I thought that would be no issue since it was paid and I had NEVER had the slightest negative action against my credit. I 'm XXXX years old and feel as if I 've fallen down the rabbit hole. 5. I talked with 3 representatives of FCO, all telling me that there is nothing they can do. They do not care what the facts of this case are and that they \" Never delete anything ... .only add. '' That was \" Company policy '' When I asked to speak to someone who had some input into Company policy, I was denied any names, phone numbers, etc. I received an email from the \" Compliance Department '' reiterating that the item was legitimate and would remain on my credit report. No way to talk to a human being!! ( Each phone call was recorded. One name I remember was XXXX ) 6. I filed disputes with XXXX, XXXX, and XXXX. As you are aware, these disputes are all automated, with no human being touching the data. Needless to say, when sent out to FCO indicating there were discrepancies in the info upon which their decision had been based ( not a lot of room on the electronic form ), the investigation by the collection agency confirmed that this item was mine. Since there is no oversight power apparently with the credit reporting agencies, you are my last hope. <P/>Is this legal? Do collection agencies get extra money to NOT remove any item from a credit report.? IS there a way to remove a small ding such as this? This dispute has shown up on not only my credit but also my daughter 's who will have this on her credit for 7 years as well. How can we ever expect people to pull themselves up and overcome these types of negative assaults on their very characters! <P/>Am I stuck with this credit nightmare for seven years? ( if I 'm still alive in 7 years! ) Unfortunately, I tossed my email correspondence with the XXXX XXXX XXXX when I thought the matter was resolved. And I 'm quite certain they would no longer have anything pertaining to this since this must be a standard operating procedure for them as well as FCO","date_sent_to_company":"2017-06-05T19:34:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"295XX","tags":"Older American","has_narrative":true,"complaint_id":"2550727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2017-06-05T18:55:45.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I received an email from the \" <em>Compliance</em> <em>Department</em> '' reiterating that the item was legitimate and would remain on my credit report. No way to talk to a human being!! ( Each phone call was recorded. One name I remember was XXXX ) 6. I <em>filed</em> <em>disputes</em> with XXXX, XXXX, and XXXX. As you are aware, these <em>disputes</em> are all automated, with no human being touching the data."]},"sort":[8.037853,"2550727"]},{"_index":"complaint-public-v1","_id":"14066967","_score":8.033278,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX And To All Creditors and Furnishers of Information, Including But Not Limited To : Here are the mailing addresses for the headquarters or dispute resolution departments for the creditors listed in your document. \nFinancial Institutions and Government Agencies XXXX XXXX XXXX XXXX XXXX \nXXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX DEPTOFEDUC ( U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, AZ XXXX XXXX : CEASE AND DESIST ; DEMAND FOR ACCURATE REPORTING AND NOTICE OF LEGAL ACTION REGARDING A VULNERABLE ADULT 'S CONSUMER AND CREDIT RIGHTS To Whom It May Concern : This letter serves as a formal and unequivocal demand that you fulfill your legal obligations under federal and Washington state law. I am a resident of the state of Washington and identify as a XXXX and vulnerable person, entitled to all protections afforded under the law. My consumer and credit rights are not negotiable. \nThe Fair Credit Reporting Act ( FCRA ) and state statutes mandate that youthe credit bureaus and all who furnish information to themmust ensure the absolute and complete accuracy of the data on my credit profile. Any deviation from this standard is a violation of my rights and a direct cause of financial and emotional harm. \nLet me be perfectly clear : I am monitoring my credit reports from all three major bureaus with exacting scrutiny. Should I discover a single piece of inaccurate, incomplete, or unverifiable information that you have reported or are maintaining, I will immediately initiate legal proceedings. I will file a massive lawsuit against your organizations for every violation, seeking the maximum statutory, actual, and punitive damages allowed by law. This will be a lawsuit from which you will not recover. \nI'm doing these things because the creditors and the credit bureaus do not want to listen to me they think that I do not know what time talking about and so if you do not do what I ask then the following will happen. \nYour failure to allow me to have a good and, above all, accurate financial history is a direct threat to my well-being. By reporting anything less than the complete truth, you are actively harming a vulnerable adult. In my opinion, these actions are tantamount to putting a bullet in a vulnerable adult 's head. \nI was facing significant personal challenges as a XXXX and vulnerable individual, which unfortunately impacted my ability to manage my financial obligations as diligently as I would have liked. \nSince that time, I have worked hard to resolve all my debts and maintain a positive financial record, as evidenced by the current \" Paid '' status of my account and reporting accurately to all three major credit bureaus. \nAs I continue to build a secure financial future, having a completely positive credit history is essential. I am asking for your compassion and respectfully request that you consider if any and all past negative mark from my credit reports to have a clear and accurate reporting to all three major credit bureaus. \nMoving forward, I trust that you will continue to uphold your commitment to furnishing complete and accurate information to the credit bureaus. Ensuring good, accurate reporting is vital for consumers like me, and I am confident we share the goal of maintaining a fair and precise credit history. \nIf this continues, I will not confine my response to the courtroom. I will come to each of your corporate offices. I will get on my knees and I will make it known to the public and the media that your actions make me feel as though you are trying to physically harm me. I will ensure the world sees how your institutional negligence threatens and persecutes the vulnerable. \nThis is your only notice. I demand that you review and verify every single entry associated with my name and social security number to ensure full compliance with the law. Govern yourselves well and accordingly. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-13T17:17:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"99352","tags":null,"has_narrative":true,"complaint_id":"14066967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"950 Credit Inc","date_received":"2025-06-13T17:17:09.000Z","state":"WA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXXXXXX, PA XXXX And To All Creditors and Furnishers of Information, Including But Not Limited To : Here are the mailing addresses for the headquarters or <em>dispute</em> resolution <em>departments</em> for the creditors listed in your document."],"company_public_response":["Company <em>disputes</em> the facts presented in the complaint"]},"sort":[8.033278,"14066967"]},{"_index":"complaint-public-v1","_id":"14066977","_score":8.032907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX And To All Creditors and Furnishers of Information, Including But Not Limited To : Here are the mailing addresses for the headquarters or dispute resolution departments for the creditors listed in your document. \nFinancial Institutions and Government Agencies * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX * XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX DEPTOFEDUC ( U.S. Department of Education XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) , Nelnet XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, AZ XXXX XXXX : CEASE AND DESIST ; DEMAND FOR ACCURATE REPORTING AND NOTICE OF LEGAL ACTION REGARDING A VULNERABLE ADULT 'S CONSUMER AND CREDIT RIGHTS To Whom It May Concern : This letter serves as a formal and unequivocal demand that you fulfill your legal obligations under federal and Washington state law. I am a resident of the state of Washington and identify as a XXXX and vulnerable person, entitled to all protections afforded under the law. My consumer and credit rights are not negotiable. \nThe Fair Credit Reporting Act ( FCRA ) and state statutes mandate that youthe credit bureaus and all who furnish information to themmust ensure the absolute and complete accuracy of the data on my credit profile. Any deviation from this standard is a violation of my rights and a direct cause of financial and emotional harm. \nLet me be perfectly clear : I am monitoring my credit reports from all three major bureaus with exacting scrutiny. Should I discover a single piece of inaccurate, incomplete, or unverifiable information that you have reported or are maintaining, I will immediately initiate legal proceedings. I will file a massive lawsuit against your organizations for every violation, seeking the maximum statutory, actual, and punitive damages allowed by law. This will be a lawsuit from which you will not recover. \nI'm doing these things because the creditors and the credit bureaus do not want to listen to me they think that I do not know what time talking about and so if you do not do what I ask then the following will happen. \nYour failure to allow me to have a good and, above all, accurate financial history is a direct threat to my well-being. By reporting anything less than the complete truth, you are actively harming a vulnerable adult. In my opinion, these actions are tantamount to putting a bullet in a vulnerable adult 's head. \nI was facing significant personal challenges as a XXXX and vulnerable individual, which unfortunately impacted my ability to manage my financial obligations as diligently as I would have liked. \nSince that time, I have worked hard to resolve all my debts and maintain a positive financial record, as evidenced by the current \" Paid '' status of my account and reporting accurately to all three major credit bureaus. \nAs I continue to build a secure financial future, having a completely positive credit history is essential. I am asking for your compassion and respectfully request that you consider if any and all past negative mark from my credit reports to have a clear and accurate reporting to all three major credit bureaus. \nMoving forward, I trust that you will continue to uphold your commitment to furnishing complete and accurate information to the credit bureaus. Ensuring good, accurate reporting is vital for consumers like me, and I am confident we share the goal of maintaining a fair and precise credit history. \nIf this continues, I will not confine my response to the courtroom. I will come to each of your corporate offices. I will get on my knees and I will make it known to the public and the media that your actions make me feel as though you are trying to physically harm me. I will ensure the world sees how your institutional negligence threatens and persecutes the vulnerable. \nThis is your only notice. I demand that you review and verify every single entry associated with my name and social security number to ensure full compliance with the law. Govern yourselves well and accordingly. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-13T17:17:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"99352","tags":null,"has_narrative":true,"complaint_id":"14066977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-06-13T17:17:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX, PA XXXX And To All Creditors and Furnishers of Information, Including But Not Limited To : Here are the mailing addresses for the headquarters or <em>dispute</em> resolution <em>departments</em> for the creditors listed in your document."]},"sort":[8.032907,"14066977"]},{"_index":"complaint-public-v1","_id":"14066080","_score":8.032907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX And To XXXX XXXX and XXXX XXXX XXXX, Including But Not Limited To : Here are the mailing addresses for the headquarters or dispute resolution departments for the creditors listed in your document. \nFinancial Institutions and Government Agencies * HSBC Bank XXXX, XXXX. \nXXXX XXXX XXXX XXXX, NY XXXX * XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX * XXXX XXXX  Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX DEPTOFEDUC ( XXXX Department of Education XXXX Ombudsman XXXX XXXX XXXX XXXX XXXX Great Lakes Educational Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX P.O. XXXX XXXX XXXX, XXXX XXXX * XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, AZ XXXX XXXX : CEASE AND DESIST ; DEMAND FOR ACCURATE REPORTING AND NOTICE OF LEGAL ACTION REGARDING A VULNERABLE ADULT 'S CONSUMER AND CREDIT RIGHTS To Whom It May Concern : This letter serves as a formal and unequivocal demand that you fulfill your legal obligations under federal and Washington XXXX XXXX. I am a resident of the state of Washington and identify as a disabled and vulnerable person, entitled to all protections afforded under the law. My consumer and credit rights are not negotiable. \nThe Fair Credit Reporting Act ( XXXX  ) and state statutes mandate that youthe credit bureaus and all who furnish information to themmust ensure the absolute and complete accuracy of the data on my credit profile. Any deviation from this standard is a violation of my rights and a direct cause of financial and emotional harm. \nLet me be perfectly clear : I am monitoring my credit reports from all three major bureaus with exacting scrutiny. Should I discover a single piece of inaccurate, incomplete, or unverifiable information that you have reported or are maintaining, I will immediately initiate legal proceedings. I will file a massive lawsuit against your organizations for every violation, seeking the maximum statutory, actual, and punitive damages allowed by law. This will be a lawsuit from which you will not recover. \nI'm doing these things because the creditors and the credit bureaus do not want to listen to me they think that I do not know what time talking about and so if you do not do what I ask then the following will happen. \nYour failure to allow me to have a good and, above all, accurate financial history is a direct threat to my well-being. By reporting anything less than the complete truth, you are actively harming a vulnerable adult. In my opinion, these actions are tantamount to putting a bullet in a vulnerable adult 's head. \nI was facing significant personal challenges as a disabled and vulnerable individual, which unfortunately impacted my ability to manage my financial obligations as diligently as I would have liked. \nSince that time, I have worked hard to resolve all my debts and maintain a positive financial record, as evidenced by the current \" Paid '' status of my account and reporting accurately to all three major credit bureaus. \nAs I continue to build a secure financial future, having a completely positive credit history is essential. I am asking for your compassion and respectfully request that you consider if any and all past negative mark from my credit reports to have a clear and accurate reporting to all three major credit bureaus. \nMoving forward, I trust that you will continue to uphold your commitment to furnishing complete and accurate information to the credit bureaus. Ensuring good, accurate reporting is vital for consumers like me, and I am confident we share the goal of maintaining a fair and precise credit history. \nIf this continues, I will not confine my response to the courtroom. I will come to each of your corporate offices. I will get on my knees and I will make it known to the public and the media that your actions make me feel as though you are trying to physically harm me. I will ensure the world sees how your institutional negligence threatens and persecutes the vulnerable. \nThis is your only notice. I demand that you review and verify every single entry associated with my name and social security number to ensure full compliance with the law. Govern yourselves well and accordingly. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-13T17:08:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99352","tags":null,"has_narrative":true,"complaint_id":"14066080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2025-06-13T16:59:47.000Z","state":"WA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX  XXXX, PA XXXX And To XXXX XXXX and XXXX XXXX XXXX, Including But Not Limited To : Here are the mailing addresses for the headquarters or <em>dispute</em> resolution <em>departments</em> for the creditors listed in your document. \nFinancial Institutions and Government Agencies * HSBC Bank XXXX, XXXX."]},"sort":[8.032907,"14066080"]},{"_index":"complaint-public-v1","_id":"12745943","_score":7.8554125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Updated Complaint Against Experian for FCRA Violations, Financial Damages, and Ongoing Mishandling of Fraud Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this updated complaint against Experian Information Solutions , Inc., regarding the ongoing failure to resolve fraudulent information on my credit report, despite previous attempts to address this matter. The continued mishandling of my dispute has resulted in significant financial harm and emotional distress, as outlined below. \n\nBackground and New Information : Initial Fraud Dispute : On XX/XX/year>, I disputed a fraudulent XXXX XXXX account on my credit report. I provided the required documentation : a FTC Identity Theft Report and drivers license, both showing my current address. \n\nDespite confirming receipt of these documents during my call with XXXX, Experian failed to remove the fraudulent account from my credit report as promised. I was assured that the account would be removed within XXXX business days, but it was not. \n\nContradictory Information and Ongoing Mistakes : On XX/XX/year>, I contacted XXXX from Experians fraud department. During this conversation, he made contradictory statements about the documents I submitted. He claimed that he could not verify my identity, despite XXXX confirmation on XX/XX/XXXX. This discrepancy caused further delays in resolving my dispute. \n\nXXXX also falsely stated that the issue was due to an incorrect address on my file, even though I had submitted a valid drivers license and FTC report, both of which verified my current address. \n\nOngoing Damage and Financial Harm : Experians failure to properly resolve this issue has caused me to lose the opportunity to purchase a home for {$480000.00} due to my credit being negatively impacted by the fraudulent account. \n\nI have had to relocate my family to a hotel at great expense, incurring additional costs for hotel stays, storage fees, and moving expenses. This situation has caused severe emotional distress as I was forced to move my children out of their school district, disrupting their education and further impacting my familys well-being. \n\nImpact on My XXXX XXXX : As a direct result of Experians failure to resolve this issue, I was unable to renew my lease, and my landlord rented out the property to another family. This forced my family to move into a hotel, which was not within my childrens school district. My children were disrupted from their education, resulting in emotional distress and academic setbacks. \n\nDamages and Losses : Financial Loss : Loss of Home Purchase Opportunity : I lost the chance to purchase a home due to Experians failure to correct the fraudulent information on my credit report. \n\nHotel and Relocation Expenses : Due to the relocation caused by Experians actions, I have incurred significant costs for hotel stays, storage fees, and moving expenses. \n\nEmotional Distress : The emotional toll of dealing with Experians mishandling of my dispute, combined with the stress of relocating and the disruption of my childrens schooling, has caused severe mental anguish and emotional distress for myself and my family. The disruption to my childrens schooling and the uncertainty surrounding our living situation has affected my familys emotional well-being. \n__________________________________________________ Legal Violations : Failure to Investigate ( Section 1681i ) : Experians failure to conduct a reasonable reinvestigation of my dispute is a violation of FCRA Section 1681i.\n\nFailure to Maintain Accurate Information ( Section 1681e ) : Experian has failed to ensure the accuracy of the information on my credit report, resulting in false and damaging information being reported.\n\nFailure to Correct or Delete Inaccurate Information ( Section 1681i ( a ) ( 5 ) ) : Experians failure to remove or correct the inaccurate information on my credit report is also a violation of FCRA Section 1681i ( a ) ( 5 ).\n\nFailure to Provide Results of Dispute Investigation ( Section 1681i ( b ) ) : Experians failure to provide me with the required results of the dispute investigation violates Section 1681i ( b ).\n\n______________________________________________________ Supporting Evidence : ( I do have all recorded calls due to call size I cant upload to portam but I send via email or share in court ) all calls were recorded Recorded Calls : I have recorded calls from XXXX on XX/XX/XXXX, confirming the successful submission of my dispute documents, and XXXX contradictory statements on XX/XX/XXXX that highlight the inconsistency in how my dispute was handled. \n\nCFPB Complaints : Previous complaints have been filed with the CFPB regarding this issue, but Experians failure to act on them has resulted in continued harm to my financial and personal well-being. \n\nXXXX XXXX Documentation : XXXX XXXX XXXX XXXX has verified that I was in the process of purchasing a home, but the failure of Experian to resolve the fraud has caused me to lose this opportunity. \n\nDemand for Immediate Resolution : Given the financial losses, emotional distress, and failure to resolve the fraudulent dispute, I demand the following : Immediate removal of the fraudulent XXXX XXXX account from my credit report. \n\nMonetary compensation of {$100000.00} for the financial damages, emotional distress, and increased expenses incurred due to Experians mishandling of my dispute. \n\nWritten confirmation of the steps taken to resolve the issue and correct the errors on my credit report. \nIf Experian fails to resolve this matter and provide a fair settlement within 15 business days, I will escalate this issue to XXXX XXXX XXXX XXXX for further legal action and pursue litigation in federal court. \n\nThank you for your attention to this matter. \n_____________________________________________ Evidence to support complaints : Recorded Call Transcripts Attach the transcripts ( or recordings, if possible ) of your calls with XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ) to show the contradictory statements and how Experian mishandled your dispute. Highlight key moments where they failed to verify documents properly or provided inaccurate information. \n\nExperian XXXX Transcript - XX/XX/year> ( XXXX ) and Experian Call Transcript - XX/XX/year> ( XXXX ) XXXX. Identity Theft Documents Attach the FTC Identity Theft Report and your drivers license showing your current address. These documents were central to the dispute process and Experian 's mishandling of the information. \n\nFTC Identity Theft Report - XX/XX/year> and Drivers License - XX/XX/year> XXXX. Previous CFPB Complaints If you have filed any previous complaints through CFPB or other consumer agencies, include the filing details ( or confirmation emails ). This will show Experians repeated failure to resolve the issue in a timely manner. \n\nCFPB Complaint Details- Previous Submissions XXXX Credit Report Include the latest copy of your credit report showing the fraudulent XXXX XXXX account and incorrect information ( like your address ) that has not been corrected, even after Experian was made aware of it. \n\nExperian Credit Report - XX/XX/year> ( with XXXX XXXX XXXX Account ) XXXX. Email Correspondence with Experian Attach any emails or written correspondence with Experian related to the dispute, including the identity verification process, their stalling letter from XX/XX/XXXX, and any denial or delay notifications theyve sent you. \n\nExperian Email Correspondence - Identity Verification and Stalling Letter - XX/XX/year> XXXX. Demand Letter to Experian Include the demand letter ( already prepared ) that clearly states your monetary compensation request and outlines the steps Experian must take to resolve the issue. \n\nDemand Letter to Experian - XX/XX/year> _________________________________________________________ Attachments : You should attach these documents in the order of their relevance to the complaint. For example : Complaint Letter ( which youve already prepared ). \n\nRecorded Call Transcripts ( XXXX and XXXX XXXX. \n\nFTC Identity Theft Report and Drivers License.\n\nCredit Report showing inaccuracies.\n\nEmail Correspondence.\n\nDemand Letter to Experian.\n\n______________________________________________ Disclosure of Call Recording : Please be advised that all calls I make to and receive from Experian are recorded as part of a federal program in which I am enrolled. I am currently a participant in the XXXX XXXX XXXX XXXX, which mandates that all communications on my government-issued phone must be recorded for security, safety, and compliance purposes. \n\nAs per the program 's requirements, I am not able to turn off the call recording feature on the device provided to me by the government. These recordings are archived and can be accessed to verify all conversations I have had with Experian or any other party. \n\nAdditionally, as I reside in the state of Georgia, a one-party consent state, no consent from the other party ( Experian representatives ) is required for the call recording. Under Georgia law, only one party ( me, in this case ) needs to be aware of the recording for it to be legally valid. Therefore, all recorded conversations are legal and can be used as evidence in any further proceedings. \n\nFor your reference, these recorded conversations can be provided to Experian, the CFPB, or any other relevant authorities as part of this complaint, as they contain important details related to the mismanagement of my dispute and Experian 's failure to resolve the fraudulent account on my credit report.","date_sent_to_company":"2025-03-31T15:58:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":null,"has_narrative":true,"complaint_id":"12745943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-31T15:18:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These documents were central to the <em>dispute</em> process and Experian 's mishandling of the information. \n\nFTC Identity Theft Report - XX/XX/year> and Drivers License - XX/XX/year> XXXX. Previous CFPB Complaints If you have <em>filed</em> any previous complaints through CFPB or other consumer agencies, include the <em>filing</em> details ( or confirmation emails ). This will show Experians repeated failure to resolve the issue in a timely manner."]},"sort":[7.8554125,"12745943"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":51,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":51}]}},"product":{"doc_count":51,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":25,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":25}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Mortgage","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home 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