{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":89,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6979088","_score":14.060534,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS/institutions BELOW. \n\nI am writing to file a formal complaint against XXXX, Equifax, and XXXX, the major credit reporting agencies. I have recently discovered multiple inaccuracies in my credit reports, which have negatively impacted my creditworthiness and financial standing. I believe that these credit reporting agencies have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and have not provided the necessary disclosures as required by Section 6803 of the FCRA. \n\nFirst and foremost, I would like to emphasize that I am fully aware that the aforementioned credit reporting agencies are private companies operating in the credit reporting industry. However, their status as private entities does not exempt them from complying with the FCRA and ensuring fairness and accuracy in the information they report. \n\nAccording to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to consumers. These disclosures are vital for consumers to understand their rights and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a consumer, depriving me of essential information and my rights under the FCRA. \n\nMoreover, I would like to draw your attention to Section 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, which states that the term \" consumer report '' does not include certain information in specific circumstances. I believe that the accounts mentioned in my complaint fall under these exclusions due to their inaccuracies and improper reporting. \n\nUpon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.\n\nAs per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/ XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/ XXXX XXXX XXXX XXXX XXXX Dept of Ed/ XXXX XXXX  # XXXX XXXX. Dept of Ed/ XXXX : # XXXX Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. \n\n\nAs a consumer, I have the right to accurate and complete information in my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. \n\nFurthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA. \n\nI would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that \" the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report. \n\nMoreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete. \n\nIf the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions. \n\nTheir failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness. \n\nI kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA. \n\nPlease have XXXX, EQUIFAX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-15T19:58:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6979088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-15T19:58:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to <em>consumers</em>. These disclosures are vital for <em>consumers</em> to <em>understand</em> their <em>rights</em> and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a <em>consumer</em>, depriving me of essential information and my <em>rights</em> under the FCRA."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[14.060534,"6979088"]},{"_index":"complaint-public-v1","_id":"6979049","_score":14.060534,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS/institutions BELOW. \n\nI am writing to file a formal complaint against XXXX, XXXX, and TransUnion, the major credit reporting agencies. I have recently discovered multiple inaccuracies in my credit reports, which have negatively impacted my creditworthiness and financial standing. I believe that these credit reporting agencies have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and have not provided the necessary disclosures as required by Section 6803 of the FCRA.\n\nFirst and foremost, I would like to emphasize that I am fully aware that the aforementioned credit reporting agencies are private companies operating in the credit reporting industry. However, their status as private entities does not exempt them from complying with the FCRA and ensuring fairness and accuracy in the information they report.\n\nAccording to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to consumers. These disclosures are vital for consumers to understand their rights and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a consumer, depriving me of essential information and my rights under the FCRA. \n\nMoreover, I would like to draw your attention to Section 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, which states that the term \" consumer report '' does not include certain information in specific circumstances. I believe that the accounts mentioned in my complaint fall under these exclusions due to their inaccuracies and improper reporting. \n\nUpon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.\n\nAs per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : XXXX. XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. Dept of EdXXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. Dept of EdXXXX XXXX : # XXXX XXXX. Dept of EdXXXX XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX2. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX 14. Dept of Ed/ XXXX : # XXXX XXXX. Dept of EdXXXX XXXX : # XXXX 16. Dept of EdXXXX XXXX : # XXXX Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. \n\n\nAs a consumer, I have the right to accurate and complete information in my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. \n\nFurthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA. \n\nI would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that \" the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report. \n\nMoreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete. \n\nIf the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions. \n\nTheir failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness. \n\nI kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA. \n\nPlease have XXXX, XXXX, & TRANSUNION only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-15T19:58:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6979049","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-15T19:41:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to <em>consumers</em>. These disclosures are vital for <em>consumers</em> to <em>understand</em> their <em>rights</em> and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a <em>consumer</em>, depriving me of essential information and my <em>rights</em> under the FCRA."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.060534,"6979049"]},{"_index":"complaint-public-v1","_id":"6978979","_score":14.060534,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS/institutions BELOW. \n\nI am writing to file a formal complaint against Experian, XXXX, and XXXX, the major credit reporting agencies. I have recently discovered multiple inaccuracies in my credit reports, which have negatively impacted my creditworthiness and financial standing. I believe that these credit reporting agencies have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and have not provided the necessary disclosures as required by Section 6803 of the FCRA.\n\nFirst and foremost, I would like to emphasize that I am fully aware that the aforementioned credit reporting agencies are private companies operating in the credit reporting industry. However, their status as private entities does not exempt them from complying with the FCRA and ensuring fairness and accuracy in the information they report.\n\nAccording to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to consumers. These disclosures are vital for consumers to understand their rights and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a consumer, depriving me of essential information and my rights under the FCRA.\n\nMoreover, I would like to draw your attention to Section 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, which states that the term \" consumer report '' does not include certain information in specific circumstances. I believe that the accounts mentioned in my complaint fall under these exclusions due to their inaccuracies and improper reporting.\n\nUpon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.\n\nAs per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. \n\n\nAs a consumer, I have the right to accurate and complete information in my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. \n\nFurthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA.\n\nI would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that \" the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report.\n\nMoreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete.\n\nIf the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions.\n\nTheir failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness.\n\nI kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA.\n\nPlease have EXPERIAN, XXXX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-15T20:05:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6978979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-15T19:59:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["According to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to <em>consumers</em>. These disclosures are vital for <em>consumers</em> to <em>understand</em> their <em>rights</em> and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a <em>consumer</em>, depriving me of essential information and my <em>rights</em> under the FCRA."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.060534,"6978979"]},{"_index":"complaint-public-v1","_id":"7764723","_score":14.054783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : XXXX, XXXX, and TransUnion. Despite XXXXDept of Ed no longer servicing my XXXX loans, they continue to report inaccurate information, which is negatively affecting my credit. \n\n1. Loan Status : My XXXX loans were transferred from XXXXDept of Ed to a different loan servicer. However, XXXXDept of Ed has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. \n2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. \n\n3.Communication with XXXX/Dept of Ed : I have made numerous attempts to contact XXXX and the Department of Education to resolve this issue. Despite my efforts, the inaccurate reporting continues. \n\n4.Impact on My Financial Well-being : The inaccurate reporting by XXXX/Dept of Ed has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. \n5. My current loan servicer is correctly reporting my loan debt but because of XXXX/DEPT OF ED reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that XXXX/DEPT OF ED is reporting . \n\nI request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXXDept of Ed . \n\nAccording to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.\n\nHow are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report?\n\nI appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. \n\nThank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-27T17:54:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"7764723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-27T17:54:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>understand</em> that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. \n\nThank you for your assistance in resolving this matter and for your commitment to protecting <em>consumers</em> ' <em>rights</em>. \n\nSincerely, XXXX XXXX XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.054783,"7764723"]},{"_index":"complaint-public-v1","_id":"6979321","_score":14.036723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS/institutions BELOW. \n\nI am writing to file a formal complaint against XXXX, XXXX, and TransUnion, the major credit reporting agencies. I have recently discovered multiple inaccuracies in my credit reports, which have negatively impacted my creditworthiness and financial standing. I believe that these credit reporting agencies have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and have not provided the necessary disclosures as required by Section 6803 of the FCRA.\n\nFirst and foremost, I would like to emphasize that I am fully aware that the aforementioned credit reporting agencies are private companies operating in the credit reporting industry. However, their status as private entities does not exempt them from complying with the FCRA and ensuring fairness and accuracy in the information they report.\n\nAccording to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to consumers. These disclosures are vital for consumers to understand their rights and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a consumer, depriving me of essential information and my rights under the FCRA.\n\nMoreover, I would like to draw your attention to Section 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, which states that the term \" consumer report '' does not include certain information in specific circumstances. I believe that the accounts mentioned in my complaint fall under these exclusions due to their inaccuracies and improper reporting.\n\nUpon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.\n\nAs per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dept of EdXXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. Dept of EdXXXX XXXX : # XXXX XXXX. Dept of EdXXXX XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. \n\n\nAs a consumer, I have the right to accurate and complete information in my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. \n\nFurthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA.\n\nI would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that \" the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report.\n\nMoreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete.\n\nIf the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions.\n\nTheir failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness.\n\nI kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA. \n\nPlease have XXXX, XXXX, & TRANSUNION only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-15T20:05:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6979321","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-15T20:05:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["According to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to <em>consumers</em>. These disclosures are vital for <em>consumers</em> to <em>understand</em> their <em>rights</em> and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a <em>consumer</em>, depriving me of essential information and my <em>rights</em> under the FCRA."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.036723,"6979321"]},{"_index":"complaint-public-v1","_id":"6978908","_score":14.036723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS/institutions BELOW. \n\nI am writing to file a formal complaint against Experian, XXXX, and XXXX, the major credit reporting agencies. I have recently discovered multiple inaccuracies in my credit reports, which have negatively impacted my creditworthiness and financial standing. I believe that these credit reporting agencies have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and have not provided the necessary disclosures as required by Section 6803 of the FCRA.\n\nFirst and foremost, I would like to emphasize that I am fully aware that the aforementioned credit reporting agencies are private companies operating in the credit reporting industry. However, their status as private entities does not exempt them from complying with the FCRA and ensuring fairness and accuracy in the information they report.\n\nAccording to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to consumers. These disclosures are vital for consumers to understand their rights and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a consumer, depriving me of essential information and my rights under the FCRA.\n\nMoreover, I would like to draw your attention to Section 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, which states that the term \" consumer report '' does not include certain information in specific circumstances. I believe that the accounts mentioned in my complaint fall under these exclusions due to their inaccuracies and improper reporting.\n\nUpon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.\n\nAs per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/ XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. \n\n\nAs a consumer, I have the right to accurate and complete information in my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. \n\nFurthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA.\n\nI would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that \" the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report.\n\nMoreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete.\n\nIf the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions.\n\nTheir failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness.\n\nI kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA.\n\nPlease have EXPERIAN, XXXX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-15T19:58:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6978908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-15T19:58:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to <em>consumers</em>. These disclosures are vital for <em>consumers</em> to <em>understand</em> their <em>rights</em> and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a <em>consumer</em>, depriving me of essential information and my <em>rights</em> under the FCRA."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.036723,"6978908"]},{"_index":"complaint-public-v1","_id":"6488881","_score":13.805215,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus Experian, XXXX, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.","date_sent_to_company":"2023-01-25T07:37:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"6488881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-25T07:32:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have read enough to <em>understand</em> my <em>rights</em> and it is clear that you are trying to violated my <em>Consumer</em> <em>Rights</em> to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.805215,"6488881"]},{"_index":"complaint-public-v1","_id":"7766541","_score":13.297414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : XXXX, Equifax, and XXXX. Despite XXXXDept of Ed no longer servicing my student loans, they continue to report inaccurate information, which is negatively affecting my credit. \n\n1. Loan Status : My student loans were transferred from XXXXDept of Ed to a different loan servicer. However, XXXXDept of Ed has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. \n2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. \n\n3.Communication with XXXX/Dept of Ed : I have made numerous attempts to contact XXXX and the Department of Education to resolve this issue. Despite my efforts, the inaccurate reporting continues.\n\n4.Impact on My Financial Well-being : The inaccurate reporting by XXXXDept of Ed has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. \n5. My current loan servicer is correctly reporting my loan debt but because of XXXXDEPT OF ED reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that XXXX/DEPT OF ED is reporting . \n\nI request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXX/Dept of Ed . \n\nAccording to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. \n\nHow are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? \n\n\n\nI appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. \n\nThank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-27T17:54:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"7766541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-27T17:54:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>understand</em> that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. \n\nThank you for your assistance in resolving this matter and for your commitment to protecting <em>consumers</em> ' <em>rights</em>. \n\nSincerely, XXXX XXXX XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.297414,"7766541"]},{"_index":"complaint-public-v1","_id":"7769340","_score":12.303071,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( Missouri XXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : Experian, XXXX, and XXXX. Despite XXXX XXXX XXXX no longer servicing my student loans, they continue to report inaccurate information, which is negatively affecting my credit. \n\n1. Loan Status : My student loans were transferred from XXXX XXXX XXXX to a different loan servicer. However, XXXX XXXX XXXX has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. \n2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. \n\nXXXX with XXXX/Dept of XXXX : I have made numerous attempts to contact XXXX and the Department of Education to XXXX this XXXX. Despite my efforts, the inaccurate reporting continues. \n\n4.Impact on My Financial Well-being : The inaccurate reporting by XXXX of XXXX has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. \nXXXX. My current loan servicer is correctly reporting my loan debt but because of XXXX OF XXXX reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that MOHELA/DEPT OF XXXX is reporting XXXX \n\nI request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXX XXXX XXXX XXXX \n\nAccording to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. \n\nHow are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? \n\n\n\nI appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. \n\nThank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-27T17:54:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"7769340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-27T16:36:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>understand</em> that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. \n\nThank you for your assistance in resolving this matter and for your commitment to protecting <em>consumers</em> ' <em>rights</em>. \n\nSincerely, XXXX XXXX XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.303071,"7769340"]},{"_index":"complaint-public-v1","_id":"10417663","_score":11.531829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction related to I the consumer Under 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency 's role to me the principal, A consumer, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum accuracy has resulted in a conspiracy that deprived me of my right under the Truth in Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware that the reasonable procedures requiring each consumer reporting agency to compile and maintain consumer files nationwide shall establish and maintain a notification system jointly with other such consumer reporting agencies under 15 U.S. Code 1681b ( e ) ( 6 ).\n\nUnderstand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your reasonable procedures required by the Fair Credit Reporting Act.\n\nThe attached documents included with this letter contain my identifying information as well as my consumer report from XXXX, Experian, and XXXX, which shows this inaccurate and unverifiable information. \nHowever, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match XXXX, Experian, and XXXX. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information according to 15 U.S. Code 1681i ( 5 ) ( A ).\n\nREMOVE/DELETE the following accounts. \n\nU S DEPT OF EDXXXX US DEPT OF EDUCATION XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DP OF EDUC REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.\n\nI am demanding my remedy for your willful noncompliance with each violation of the law.\n\n? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company.\n\nl am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq.\n\nCC : Registered Agent CC : CFO/CEO CC : Privacy Compliance Officer CC : CFPB CC : XXXX CC : NYS Attorney General CC : Federal Trade Commission","date_sent_to_company":"2024-10-11T18:13:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"10417663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-11T18:13:42.000Z","state":"MI","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":["This deprivation of my <em>rights</em> is a federal criminal violation under 18 U.S. Code 241. I am well aware that the reasonable procedures requiring each <em>consumer</em> reporting agency to compile and maintain <em>consumer</em> files nationwide shall establish and maintain a notification system jointly with other such <em>consumer</em> reporting agencies under 15 U.S. Code 1681b ( e ) ( 6 ).\n\n<em>Understand</em> this is NOT a dispute letter as there is nothing to dispute."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.531829,"10417663"]},{"_index":"complaint-public-v1","_id":"10417652","_score":11.50967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction related to I the consumer Under 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency 's role to me the principal, A consumer, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum accuracy has resulted in a conspiracy that deprived me of my right under the Truth in Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware that the reasonable procedures requiring each consumer reporting agency to compile and maintain consumer files nationwide shall establish and maintain a notification system jointly with other such consumer reporting agencies under 15 U.S. Code 1681b ( e ) ( 6 ).\n\nUnderstand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your reasonable procedures required by the Fair Credit Reporting Act. \nThe attached documents included with this letter contain my identifying information as well as my consumer report from Transunion, XXXX, and XXXX, which shows this inaccurate and unverifiable information. \nHowever, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match Transunion, XXXX, and XXXX. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information according to 15 U.S. Code 1681i ( 5 ) ( A ). \n\nREMOVE/DELETE the following accounts. \n\nU S DEPT OF EDXXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.\n\nI am demanding my remedy for your willful noncompliance with each violation of the law.\n\n? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company.\n\nl am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq.\n\nCC : Registered Agent CC : CFO/CEO CC : Privacy Compliance Officer CC : CFPB XXXX : XXXX  CC : NYS Attorney General CC : Federal Trade Commission","date_sent_to_company":"2024-10-11T18:13:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"10417652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-11T17:59:40.000Z","state":"MI","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":["This deprivation of my <em>rights</em> is a federal criminal violation under 18 U.S. Code 241. I am well aware that the reasonable procedures requiring each <em>consumer</em> reporting agency to compile and maintain <em>consumer</em> files nationwide shall establish and maintain a notification system jointly with other such <em>consumer</em> reporting agencies under 15 U.S. Code 1681b ( e ) ( 6 ).\n\n<em>Understand</em> this is NOT a dispute letter as there is nothing to dispute."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.50967,"10417652"]},{"_index":"complaint-public-v1","_id":"10429084","_score":11.504833,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction related to I the consumer Under 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency 's role to me the principal, A consumer, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum accuracy has resulted in a conspiracy that deprived me of my right under the Truth in Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware that the reasonable procedures requiring each consumer reporting agency to compile and maintain consumer files nationwide shall establish and maintain a notification system jointly with other such consumer reporting agencies under 15 U.S. Code 1681b ( e ) ( 6 ).\n\nUnderstand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your reasonable procedures required by the Fair Credit Reporting Act. \nThe attached documents included with this letter contain my identifying information as well as my consumer report from XXXX, XXXX, and Equifax, which shows this inaccurate and unverifiable information. \nHowever, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match XXXX, XXXX, and Equifax. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information according to 15 U.S. Code 1681i ( 5 ) ( A ). \n\nREMOVE/DELETE the following accounts. \n\nU S DEPT OF ED/XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  DP OF EDUC REMOVE these accounts UNDER PENALTY OF PERJURY,\n\nDELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.\n\nI am demanding my remedy for your willful noncompliance with each violation of the law.\n\n? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company. \nl am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq.\n\nCC : Registered Agent CC : CFO/CEO CC : Priva\ncy Compliance Officer CC : CFPB CC XXXX XXXX CC : NYS Attorney General CC : Federal Trade Commission","date_sent_to_company":"2024-10-11T18:13:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"10429084","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-11T18:13:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This deprivation of my <em>rights</em> is a federal criminal violation under 18 U.S. Code 241. I am well aware that the reasonable procedures requiring each <em>consumer</em> reporting agency to compile and maintain <em>consumer</em> files nationwide shall establish and maintain a notification system jointly with other such <em>consumer</em> reporting agencies under 15 U.S. Code 1681b ( e ) ( 6 ).\n\n<em>Understand</em> this is NOT a dispute letter as there is nothing to dispute."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[11.504833,"10429084"]},{"_index":"complaint-public-v1","_id":"4631077","_score":10.79631,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company has reported me late since XX/XX/XXXX. Per the laws because of COVID this is inaccurate information. In additional. I have made consistent payment and paid the vehicle off.\n\nBelow is a copy for my formal complaint to company.\n\nCredit Acceptance Credit Dispute Dept. \nXXXX XXXX XXXX XXXX, MI XXXX Credit Acceptance, I am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have listed the late payments on my report I want removed because I'm a victim ofcovid-19 and legally you should not have put them there.\n\nFailure to comply is a direct violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V.5 To ensure compliance with these obligations if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply.\n\nThe following account ( s ) is/are listed as being reported late. Please update them due to the forbearance program regulations. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history. \nXXXX XXXX XXXX XXXXTANCE : - XXXX Reported Late : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reported Late : XX/XX/XXXX, XX/XX/XXXX, XXXX If your company fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.\n\nFailure to respond satisfactorily within 30-days of receipt of this under Section 605B ( 1-4 ) will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete.","date_sent_to_company":"2021-08-14T20:42:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78258","tags":null,"has_narrative":true,"complaint_id":"4631077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2021-08-14T20:28:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am a litigious <em>consumer</em> and fully intend on pursuing litigation in this matter to enforce my <em>rights</em> under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[10.79631,"4631077"]},{"_index":"complaint-public-v1","_id":"6549949","_score":10.630543,"_source":{"product":"Student loan","complaint_what_happened":"I Became a victim of identity theft a couple of years ago after that I see a lot of inaccurate and unauthorized items in my credit report. please remove these item which are not authorized by me. NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL * DEPT OF EDUCATION/ AIDVANTAGE  XXXX XXXXXXXX I dont recognize this account in accordance with the fair credit reporting act XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. Provide the signed written consent of ( me ) consumer and you ( XXXX ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.","date_sent_to_company":"2023-02-15T14:59:19.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"291XX","tags":null,"has_narrative":true,"complaint_id":"6549949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2023-02-10T04:03:23.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious <em>consumer</em> and fully intend on pursuing litigation in this matter to enforce my <em>rights</em> under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a <em>consumer</em> reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the <em>consumer</em> reporting agency 's job to make sure they follow maximum accuracy <em>compliance</em> and procedure 15USC 1681 ( e )."]},"sort":[10.630543,"6549949"]},{"_index":"complaint-public-v1","_id":"8716912","_score":10.579494,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding any and all accounts held with XXXX and NELNET/DEPT OF ED as followed : XXXX XXXX XX/XX/XXXX DEPT OF ED/ NELNET XXXX '' '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.\n\nFERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are \" eligible students. '' NELNET and XXXX are not in compliance with the regulations of FERPA. They are both not permitted to release education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following as summarized : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.\n\nThe penalty for noncompliance with the Family Educational Rights and Privacy Act ( FERPA ) can be the withdrawal of U.S. Department of Education funds from the institution or agency that has violated the law. This applies to schools, school districts, and state education agencies. A third party who improperly discloses personally identifiable information from student records can be prohibited from receiving access to records at the education agency or institution for at least 5 years. State laws on privacy may also apply penalties.\n\nAs outlined in 20 U.S.C. 1232g and 34 CFR Part 99, the release of education records is a matter of critical importance, necessitating adherence to strict guidelines. According to the regulations, educational agencies or institutions that receive federal funding must uphold the mandate that educational records or personally identifiable information of students can not be disclosed without parental consent, except in specific circumstances. \n\nIt is imperative for educational entities to adhere closely to these stipulations to safeguard the privacy and confidentiality of students ' educational records effectively. \nThe three nationwide consumer reporting agencies- XXXX, XXXX, and XXXX do not fall under the following individuals, agencies, or organizations as listed in 20 U.S.C. 1232g. So they are all prohibited from reporting any information or disclosing records without my consent. This protection ensures that my personal information remains confidential and secure, maintaining the privacy rights of consumers, like myself.\n\nThe stringent protocols outlined in the statutes serve to ensure that my information is handled with utmost care and in compliance with established legal frameworks, emphasizing the significance of protecting sensitive educational records in various contexts.\n\nIn addition, according to 15 U.S. Code 1681a, the term \" consumer report '' excludes reports that solely contain information regarding transactions or interactions between the consumer and the reporting entity. It should be noted that it is prohibited under this law, that XXXX, XXXX and XXXX have disclosed transaction histories throughout the entirety of my consumer credit reports. \n\nAccording to the Privacy Act of 1974 ( 5 U.S. Code 552a ), several key definitions are outlined to help understand the scope of this legislation. Notably, these definitions apply to consumer reports.\n\n( a ) Definitions.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; Moreover, the Act prohibits agencies from disclosing records from a system of records through any form of communication unless authorized by the individual or with their written consent. An exception to this rule allows disclosure to consumer reporting agencies as specified in section 3711 ( e ) of title 31. Once again, this disclosure must be made with the prior written approval of the individual concerned to safeguard their privacy rights.\n\nIn continuance of 5 U.S. Code 552a, the conditions of disclosure are as followed : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\nSection 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and By disclosing my records, without my written request and without my prior consent, XXXX, XXXX and XXXX have violated and are non-compliant with both the FCRA and the Privacy Act of 1974 ( 5 U.S. Code 552a ) In light of the information provided, it is evident that safeguarding one 's right to privacy is paramount. Failure to do so can lead to reputational damage. And under notification can result in fines and penalties due to negligence and non-compliance.\n\nReferring to the pertinent definitions outlined in the 15 U.S. Code 1681a, it is crucial to comprehend key terms such as \" consumer reporting agency, '' \" consumer, '' and \" consumer report. '' These definitions establish the groundwork for understanding the regulations and protections surrounding consumer credit information and privacy. \nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, it is crucial to note the exclusions specified under the code, particularly that a report solely detailing transactions or interactions between the consumer and the reporting entity is not considered a consumer report. Additionally, any disclosure of transaction history without proper authorization is deemed unlawful and a violation of privacy rights. It is deemed unlawful and a violation of my privacy rights, that XXXX, XXXX and XXXX have disclosed/reported transaction history on my consumer report without the proper authorization from me.","date_sent_to_company":"2024-04-07T20:41:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"8716912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-04-07T20:25:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FERPA gives parents certain <em>rights</em> with respect to their children 's education records. These <em>rights</em> transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the <em>rights</em> have transferred are \" eligible students. '' NELNET and XXXX are not in <em>compliance</em> with the regulations of FERPA."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[10.579494,"8716912"]},{"_index":"complaint-public-v1","_id":"7648482","_score":10.1656065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL \" [ XXXX XXXX ] LAST REPORTED DATE XX/XX/XXXX { REMARKS ON THE XXXX XXXXXXXX ACCOUNT NEED TO REMOVED & UPDATED } ''. \" [ DEPT OF ED / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXXXXXX  { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX XXXX XXXX  ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ PORTFOLIO RECOVERY ] LAST REPORTED XX/XX/XXXX. \nI dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.","date_sent_to_company":"2023-10-06T04:54:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11210","tags":"Older American","has_narrative":true,"complaint_id":"7648482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2023-10-06T04:54:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a litigious <em>consumer</em> and fully intend on pursuing litigation in this matter to enforce my <em>rights</em> under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a <em>consumer</em> reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the <em>consumer</em> reporting agency 's job to make sure they follow maximum accuracy <em>compliance</em> and procedure 15USC 1681 ( e )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[10.1656065,"7648482"]},{"_index":"complaint-public-v1","_id":"7648637","_score":10.155737,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL \" [ XXXX  XXXX ] LAST REPORTED DATE XX/XX/XXXXXXXX  { REMARKS ON THE XXXX  XXXX ACCOUNT NEED TO REMOVED & UPDATED } ''. \" [ DEPT OF ED / NELNET ] LAST REPORTED XX/XX/XXXXXXXX  { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX  XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ XXXX  XXXX  ] LAST REPORTED XX/XX/XXXX. \nI dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.","date_sent_to_company":"2023-10-06T04:54:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11210","tags":"Older American","has_narrative":true,"complaint_id":"7648637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-10-06T04:08:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a litigious <em>consumer</em> and fully intend on pursuing litigation in this matter to enforce my <em>rights</em> under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a <em>consumer</em> reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the <em>consumer</em> reporting agency 's job to make sure they follow maximum accuracy <em>compliance</em> and procedure 15USC 1681 ( e )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[10.155737,"7648637"]},{"_index":"complaint-public-v1","_id":"7648483","_score":10.155737,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL \" [ CAPITAL ONE ] LAST REPORTED DATE XX/XX/XXXX { REMARKS ON THE CAPITAL ONE ACCOUNT NEED TO REMOVED & UPDATED } ''. \" [ DEPT OF ED / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX XXXX  ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. \" [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nI dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.","date_sent_to_company":"2023-10-06T04:54:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11210","tags":"Older American","has_narrative":true,"complaint_id":"7648483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-10-06T04:54:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a litigious <em>consumer</em> and fully intend on pursuing litigation in this matter to enforce my <em>rights</em> under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a <em>consumer</em> reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the <em>consumer</em> reporting agency 's job to make sure they follow maximum accuracy <em>compliance</em> and procedure 15USC 1681 ( e )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[10.155737,"7648483"]},{"_index":"complaint-public-v1","_id":"7726557","_score":10.13907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( XXXX ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED XXXX CHARACTER XXXX STATEMENT ( XXXX ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND XXXX OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED XXXX PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX XXXX field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from XXXX XXXX XXXX XXXX XXXX -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, XXXX system that enables Data Furnishers ( DFs XXXX XXXX and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nXXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. XXXX  are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the XXXX  and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the XXXX  record. The XXXX XXXX process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being XXXX as AGREED, NEVER LATE and as nothing else : ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT DEPT OF XXXX XXXX XXXX XXXX, XXXX {$1700.00} DEPT OF XXXX XXXX XX/XX/XXXX {$2300.00} DEPT OF XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00} DEPT XXXX XXXX XXXX XX/XX/XXXX {$1100.00} DEPT OF XXXX XXXX XX/XX/XXXX {$1900.00} DEPT OF XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond XXXX calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX XXXX trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least XXXX XXXX. XXXX. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX","date_sent_to_company":"2023-10-20T04:26:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29115","tags":null,"has_narrative":true,"complaint_id":"7726557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-20T04:26:21.000Z","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":["PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being XXXX as AGREED, NEVER LATE and as nothing else : ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT <em>DEPT</em> OF XXXX XXXX XXXX XXXX, XXXX {$1700.00} <em>DEPT</em> OF XXXX XXXX XX/XX/XXXX {$2300.00} <em>DEPT</em> OF XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00} <em>DEPT</em> XXXX XXXX XXXX XX/XX/XXXX {$1100.00} <em>DEPT</em> OF XXXX XXXX XX/XX/XXXX {$1900.00} <em>DEPT</em> OF XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[10.13907,"7726557"]},{"_index":"complaint-public-v1","_id":"5376878","_score":9.617778,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Since XXXX, I have contacted TransUnion approximately 20 times through notarized, written correspondents and sent by certified mail to inform them of the more than 100 inaccurate pieces of information that they are furnishing on my credit report along with the violations of my rights.\n\nIn accordance to the FCRA & FDCPA TransUnion and creditors are violating my rights and are in VIOLATION of the following : Violating Consumer Protection Afforded by the FCRA : TransUnion has furnished information without my permission. I have not granted. Permission in writing for furnish any information. Violation : 15 USC1681 SECTION 604 A Section 2 states that a consumer reporting agency can not furnish an account without written instructions from consumer.\n\nViolating Consumer Protection Afforded by the FCRA : Violating Rights to Privacy : I do not consent to the information that currently furnished on. My consumer report and demand for the removal of the information in question. Violation : 15 USC 1681 SECTION 602 A States that I have the right to privacy. \n\nDefamation, Willful Injury : TransUnion refuses to correct information. After being provided proof of inaccuracy. Violation : FCRA Section 623 XXXX XXXX Trans Union XXXX. US Court of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ) Violating Consumer Protection Afforded by the FCRA : TransUnion has failed to respond to multiple written disputes within 30 days. Violation : FCRA Section 611 Part ( A ) ( 1 ) Violating Consumer Protection Under the FCRA : Transunion has failed to conduct a proper investigation and delete all inaccurate and unverifiable information. Violation 1 Violating Consumer Protection Under the FDCPA : TransUnion and creditors have failed to report all disputed debts as disputed on consumer report. Violation : FDCPA Section 807 ( 8 ) Violating Consumer Protection Under the FDCPA : TransUnion and creditors have failed and refused to validate debt but continues to furnish on consumer report. Violation : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. \n\nDefamation, financial injury : TransUnion and creditors are reporting my credit history inaccurately. Violation : US Court of Appeals XXXX XXXX, No XXXX, XXXX vs. XXXX XXXX Violating Consumer Protection Afforded by the FCRA : TransUnion has failed to report all disputed debts as disputed on consumer report. Violation : FCRA Section 623 Violating Consumer Protection Afforded by the FCRA : XXXX have Re-aged multiple accounts by reporting the date of the of the last activity instead of the date of the first delinquency. Violation : FCRA Section 605 ( c ) TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 3 accounts that are displayed on my credit report as XXXX. \n\n\n\nXXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report. \n\nThese accounts were deleted from XXXX XX/XX/XXXX as a result of inaccurate information ; however, remains on Transunion. \n1st date of delinquency is inaccurate and throws off the entire history of the ac count, different dates for last paid is being reported differently to the each bureau, inaccurate date last active, Reporting as Chargeoff/Collections. Can not report as. Both debt and income Past Due Amounts are. Being reported differently to to each credit bureau.\n\nDifferent Charged off Amounts being reported to different bureaus.\n\nPast Due Balance. Being reported on what is deemed a Charged Off account.\n\nPast Due Amounts are. Being reported differently to to each credit bureau.\n\nInaccurate balances are being reported and request for documentation proving so inaccurate payment history, Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as US DEPT OF EDUCATION. \n\nUS DEPT OF EDUCATION : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.\n\ndate of 1st delinquency is inaccurate and throws off the entire history of the ac count, a Past Due Balance is being reported even though this is a collections account : Violation Unverified account and requesting original documents of signed contract different dates for last paid is being reported differently to the each bureau, Open date reflects multiple inaccuracies ; multiple dates are reported as date open Unverified account and requesting original documents of signed contract Date last paid shows multiple dates on different bureaus inaccurate date last active, Inaccurate payment history Unverified account and requesting original documents of signed contract Account is reported as both a collections and a. Charge off Payment status is being reported differently across bureaus TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as DEPT OF ED / XXXX DEPT OF ED / XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.\n\nAccount Status is transferred and should no longer be furnished on consumer report.\n\nAccount Status is transferred but states 120 days late 1st date of delinquency is inaccurate and throws off the entire history of the ac count, Date last paid shows multiple dates Different date last active ( different months and years ) is being reported Different dates of lats payment is being reported. \nDifferent date of last activity Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.\n\nUnverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE LATE PAYMENTS FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report. \n\nLate payments are inaccurately being. Reported and are not consistent across all 3 bureaus Inaccurate payment history TransUnion is in reporting and furnishing the following INACCURATE account information : PERSONAL INFORMATION. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE EMPLOYER FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.\n\nEmployers : REMOVE FROM CONSUMER REPORT EXPLANATION OF EVIDENCE : &. ATTEMPTS TO RESOLVE THESE MATTERS Provided below is the timeline of correspondence to TransUnion that detailed all the above information regarding inaccuracies that have been blatantly furnished on my. Credit report over a 2.5. year time period.\n\nEach correspondence was. a typed or written document that was notarized and sent by certified mail to TransUnion.\n\nThe following explains all requests mailed as well as responses or lack thereof from TransUnion. The documents that I have provided to support my complaint demonstrates that timeline that is described below. \n\nI have provided the notarized written correspondence that I have sent to TransUnion along with their responses to such correspondents. \n\n\n\n\nXXXX : All following details refer to accounts that are displayed on my credit report as NAVIENT**** XX/XX/XXXX : I Requested validation of debt along with the deletion of all unverifiable. Accounts XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Terms ; Rating. \n\nXX/XX/XXXX : I Requested validation of debt for a second time-requesting original documentations. From the creditor with my signature along with deletion of unverifiable accounts XX/XX/XXXX : Transunion Responds and states that. We investigated the information you disputed and updated : Date Updated ; Past Due ; Terms ; Rating. \n\nXX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deleting unverifiable accounts XXXX. XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. \n\nXX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. \n\nXX/XX/XXXX : Through written correspondence, I informed Transunion. That there are different Charged OFF Amounts being reported to different bureaus. Request. For deletion due to reporting inacccuracies. \n\nNo response XX/XX/XXXX : Through written correspondence, I informed Transunion for a second time. That there are different Charged Off Amounts being reported to different bureaus. Along with request for deletion. Due to reporting inaccuracies. \n\nXX/XX/XXXX : Transunion responds with : Dear XXXX XXXX XXXX, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your TransUnion credit report is accurate. It's our commitment to you. ln the pages that follow you will see a full copy of your credit report. \n\nXX/XX/XXXX : XXXX responds stating that We are in receipt of the additional information regarding your current dispute ( s ). Due to this additional information, the time frame for completing the investigation has been extended. Your initial correspondence was received on XXXX XXXX and your additional information was received on XXXX, which allows TransUnion fifteen additional days. Therefore, your investigation witl be completed on or before XXXX. \n\nXX/XX/XXXX : Transunion. Responds and states that : We investigated the information you disputed and updated : Terms : Rating : Date closed : Payment Received : XXXX. XXXX : Through written correspondence, I informed Transunion That they are reporting a Past Due Balance on what is deemed a Charged Off account. This is a clear violation. Of the FCRA. Request for deletion due to reporting inaccuracies XXXX. XXXX : Through written correspondence, I informed Transunion That XXXX Due Amounts are. Being reported differently to to each credit bureau. \nThis is a clear violation. Of the FCRA. Requested deletion for inaccurate reporting XX/XX/XXXX : Through written correspondence, I informed Transunion the the 1st date of delinquency is inaccurate and throws off the entire history of the ac count, inaccurate balance is being reported and I am asking for paperwork to prove current data being furnished and finally, inaccurate payment history along with deletion due to reporting inaccurate information. \n\n\n\n\nXXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXX XX/XX/XXXX : I Requested validation of debt and request deletion. Of unverified account XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. \n\nXX/XX/XXXX : I Requested validation of debt for a second time along with deletion due to unverified account XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. \n\nXX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion due. To unverified account XX/XX/XXXX Transunion Responds and states that We investigated the information you disputed and updated : Not specified. \n\nXX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. \n\nXX/XX/XXXX : Through written correspondence, I informed Transunion that this is an unverified account and am requesting documentation. To prove that it is mine or delete due to unverifiable account and inaccurate reporting XXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXXXXXX XX/XX/XXXX : I sent a request for the removal of the inaccurate late payments that are being furnished on my credit report US DEPT OF EDUCATION : All following details refer to accounts that are displayed on my credit report as US DEPT OF EDUCATION -- '' * XX/XX/XXXX : I Requested validation of debt along with deletion of unverfiable account. \n\nXX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. \n\nXX/XX/XXXX : I Requested validation of debt for a second time along with deletion of unverifiable account. \n\nXX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified. \n\nXX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion of unverfiable account. \n\nXX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. \n\nNo. Respnose! \n\nXX/XX/XXXX Written request to delete accounts due to furnishing inaccurate information : a Past Due Balance is being reported even though this is a collections account : Violation No response! \n\nXXXX. XXXX : XXXX Written request to delete accounts due to furnishing inaccurate information : a Past Due Balance is being reported even though this is a collections account : Violation XX/XX/XXXX : I sent a written correspondence to inform Transunion of the inaccurate information that is furnished on my credit report and requested that they remove such accounts : Inaccuracies discussed in letter include different dates last paid and open are being reflected, unverified account and need to provide original contracts with my signature, inaccurate balance owed, inaccurate 1st date of delinquency, payment history is inaccurate, along with deletion of unverifiable account.\n\nDEPT OF ED / XXXX ****t : All following details refer to accounts that are displayed on my credit report as DEPT OF ED / XXXX XXXX XX/XX/XXXX : I Requested validation of debt along with deletion of unverifiable account. \n\n\nXX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. \n\nXX/XX/XXXX : I Requested validation of debt for a second time along with deletion of unverifiable account. \n\nXX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. And We investigated the information you disputed and updated : Not specified. \n\nXX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion of unverifiable account. \n\nXX/XX/XXXX : Transunion Responds and states that ( 1 ) We investigated the information you disputed and updated : Remarks ; Rating. And ( 2 ) We investigated the information you disputed and the disputed information wa $ lERlFlED AS ACCURATE ; however, we updated : Past Due ; Terrns ; Remark $ ; Payrnent Received and ( 3 ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Remarks ; Rating XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response. \n\nXX/XX/XXXX : I informed XXXX that inaccurate info is reporting : dates last active reporting differently, date last paid shows multiple dates, inaccurate 1st date of delinquency, payment history, and multiple dates for date of last activity. I request deletion due to. Inaccuracies reporting.","date_sent_to_company":"2022-03-28T19:04:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"5376878","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-28T16:59:03.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-<em>COMPLIANCE</em> of inaccurate data being furnished on the <em>consumer</em> report."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[9.617778,"5376878"]},{"_index":"complaint-public-v1","_id":"8716859","_score":9.494114,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding any and all accounts held with XXXX and XXXX OF XXXX as followed : XXXX XXXX XX/XX/XXXX DEPT OF XXXX XXXX XXXX '' '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.\n\nFERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are \" eligible students. '' XXXX and XXXX are not in compliance with the regulations of FERPA. They are both not permitted to release education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following as summarized : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.\n\nThe penalty for noncompliance with the Family Educational Rights and Privacy Act ( FERPA ) can be the withdrawal of U.S. Department of Education funds from the institution or agency that has violated the law. This applies to schools, school districts, and state education agencies. A third party who improperly discloses personally identifiable information from student records can be prohibited from receiving access to records at the education agency or institution for at least 5 years. State laws on privacy may also apply penalties.\n\nAs outlined in 20 U.S.C. 1232g and 34 CFR Part 99, the release of education records is a matter of critical importance, necessitating adherence to strict guidelines. According to the regulations, educational agencies or institutions that receive federal funding must uphold the mandate that educational records or personally identifiable information of students can not be disclosed without parental consent, except in specific circumstances.\n\nIt is imperative for educational entities to adhere closely to these stipulations to safeguard the privacy and confidentiality of students ' educational records effectively.\n\nThe three nationwide consumer reporting agencies- XXXX, XXXX, and Experian do not fall under the following individuals, agencies, or organizations as listed in 20 U.S.C. 1232g. So they are all prohibited from reporting any information or disclosing records without my consent. This protection ensures that my personal information remains confidential and secure, maintaining the privacy rights of consumers, like myself.\n\nThe stringent protocols outlined in the statutes serve to ensure that my information is handled with utmost care and in compliance with established legal frameworks, emphasizing the significance of protecting sensitive educational records in various contexts.\n\nIn addition, according to 15 U.S. Code 1681a, the term \" consumer report '' excludes reports that solely contain information regarding transactions or interactions between the consumer and the reporting entity. It should be noted that it is prohibited under this law, that XXXX, Experian and XXXX have disclosed transaction histories throughout the entirety of my consumer credit reports. \n\nAccording to the Privacy Act of 1974 ( 5 U.S. Code 552a ), several key definitions are outlined to help understand the scope of this legislation. Notably, these definitions apply to consumer reports.\n\n( a ) Definitions.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; Moreover, the Act prohibits agencies from disclosing records from a system of records through any form of communication unless authorized by the individual or with their written consent. An exception to this rule allows disclosure to consumer reporting agencies as specified in section 3711 ( e ) of title 31. Once again, this disclosure must be made with the prior written approval of the individual concerned to safeguard their privacy rights. \n\nIn continuance of 5 U.S. Code 552a, the conditions of disclosure are as followed : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\nSection 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and By disclosing my records, without my written request and without my prior consent, XXXX, Experian and XXXX have violated and are non-compliant with both the FCRA and the Privacy Act of 1974 ( 5 U.S. Code 552a ) In light of the information provided, it is evident that safeguarding one 's right to privacy is paramount. Failure to do so can lead to reputational damage. And under notification can result in fines and penalties due to negligence and non-compliance.\n\nReferring to the pertinent definitions outlined in the 15 U.S. Code 1681a, it is crucial to comprehend key terms such as \" consumer reporting agency, '' \" consumer, '' and \" consumer report. '' These definitions establish the groundwork for understanding the regulations and protections surrounding consumer credit information and privacy.\n\nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.\n\nThe term consumer means an individual.\n\nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, it is crucial to note the exclusions specified under the code, particularly that a report solely detailing transactions or interactions between the consumer and the reporting entity is not considered a consumer report. Additionally, any disclosure of transaction history without proper authorization is deemed unlawful and a violation of privacy rights. It is deemed unlawful and a violation of my privacy rights, that XXXX, Experian and XXXX have disclosed/reported transaction history on my consumer report without the proper authorization from me.","date_sent_to_company":"2024-04-07T20:41:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"8716859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-07T20:41:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FERPA gives parents certain <em>rights</em> with respect to their children 's education records. These <em>rights</em> transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the <em>rights</em> have transferred are \" eligible students. '' XXXX and XXXX are not in <em>compliance</em> with the regulations of FERPA."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[9.494114,"8716859"]},{"_index":"complaint-public-v1","_id":"8716988","_score":9.486697,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding any and all accounts held with XXXX and XXXXXXXXDEPT OF ED as followed : XXXX XXXX XX/XX/XXXX DEPT OF ED/ XXXX XXXX '' '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are \" eligible students. '' XXXX and XXXX are not in compliance with the regulations of FERPA. They are both not permitted to release education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( XXXX ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following as summarized : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. The penalty for noncompliance with the Family Educational Rights and Privacy Act ( FERPA ) can be the withdrawal of U.S. Department of Education funds from the institution or agency that has violated the law. This applies to schools, school districts, and state education agencies. A third party who improperly discloses personally identifiable information from student records can be prohibited from receiving access to records at the education agency or institution for at least 5 years. State laws on privacy may also apply penalties. As outlined in 20 U.S.C. 1232g and 34 CFR Part 99, the release of education records is a matter of critical importance, necessitating adherence to strict guidelines. According to the regulations, educational agencies or institutions that receive federal funding must uphold the mandate that educational records or personally identifiable information of students can not be disclosed without parental consent, except in specific circumstances. It is imperative for educational entities to adhere closely to these stipulations to safeguard the privacy and confidentiality of students ' educational records effectively. The XXXX nationwide consumer reporting agencies- XXXX, XXXX, and XXXX do not fall under the following individuals, agencies, or organizations as listed in 20 U.S.C. 1232g. So they are all prohibited from reporting any information or disclosing records without my consent. This protection ensures that my personal information remains confidential and secure, maintaining the privacy rights of consumers, like myself. The stringent protocols outlined in the statutes serve to ensure that my information is handled with utmost care and in compliance with established legal frameworks, emphasizing the significance of protecting sensitive educational records in various contexts. In addition, according to 15 U.S. Code 1681a, the term \" consumer report '' excludes reports that solely contain information regarding transactions or interactions between the consumer and the reporting entity. It should be noted that it is prohibited under this law, that XXXX, XXXX and XXXX have disclosed transaction histories throughout the entirety of my consumer credit reports. According to the Privacy Act of 1974 ( 5 U.S. Code 552a ), several key definitions are outlined to help understand the scope of this legislation. Notably, these definitions apply to consumer reports. ( a ) Definitions.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; Moreover, the Act prohibits agencies from disclosing records from a system of records through any form of communication unless authorized by the individual or with their written consent. An exception to this rule allows disclosure to consumer reporting agencies as specified in section 3711 ( e ) of title 31. Once again, this disclosure must be made with the prior written approval of the individual concerned to safeguard their privacy rights. In continuance of 5 U.S. Code 552a, the conditions of disclosure are as followed : ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and By disclosing my records, without my written request and without my prior consent, XXXX, XXXX and XXXX have violated and are non-compliant with both the FCRA and the Privacy Act of 1974 ( 5 U.S. Code 552a ) In light of the information provided, it is evident that safeguarding one 's right to privacy is paramount. Failure to do so can lead to reputational damage. And under notification can result in fines and penalties due to negligence and non-compliance. Referring to the pertinent definitions outlined in the 15 U.S. Code 1681a, it is crucial to comprehend key terms such as \" consumer reporting agency, '' \" consumer, '' and \" consumer report. '' These definitions establish the groundwork for understanding the regulations and protections surrounding consumer credit information and privacy. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, it is crucial to note the exclusions specified under the code, particularly that a report solely detailing transactions or interactions between the consumer and the reporting entity is not considered a consumer report. Additionally, any disclosure of transaction history without proper authorization is deemed unlawful and a violation of privacy rights. It is deemed unlawful and a violation of my privacy rights, that XXXX, XXXX and XXXX have disclosed/reported transaction history on my consumer report without the proper authorization from me.","date_sent_to_company":"2024-04-09T16:59:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"8716988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-04-07T21:14:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FERPA gives parents certain <em>rights</em> with respect to their children 's education records. These <em>rights</em> transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the <em>rights</em> have transferred are \" eligible students. '' XXXX and XXXX are not in <em>compliance</em> with the regulations of FERPA."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[9.486697,"8716988"]},{"_index":"complaint-public-v1","_id":"4200379","_score":9.33294,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. \n\nLEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. \n605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. \n( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. \nThe 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \nXXXX XXXX XXXX : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\n\nU S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX  XXXX XXXX XXXX XXXX XXXX., XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nUS DEPT OF DE XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nTSI/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nTRANSWORLD SYSTEM INC/ XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nDISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX  and XXXX XXXX maintain integrity for the American consumers. \nThe following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.\n\n2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. \n3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. \n4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. \n5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. \n6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. \nI may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. \n\nDISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. \n\nLEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).\n\nI have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.\n\nB. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).\n\nComment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., XXXX, XXXX XXXX at XXXX ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).\n\nThe Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. \nGenerally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. \n\nThank you for your full consideration in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-03-10T16:50:52.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"122XX","tags":null,"has_narrative":true,"complaint_id":"4200379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2021-03-10T16:47:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["U S <em>DEPT</em> OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer <em>rights</em> to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement <em>compliance</em> with credit reporting agencies, and overall <em>compliance</em>"]},"sort":[9.33294,"4200379"]},{"_index":"complaint-public-v1","_id":"4199958","_score":9.332621,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. \n\nLEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. \n605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. \n( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.\n\nThe 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \nCREDITOR CONTACT INFORMATION : DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\n\nU S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nUS DEPT OF DE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX  XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nDISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. \nThe following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.\n\n2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. \n3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. \n4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.\n\n5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.\n\n6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.\n\nI may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.\n\nDISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.\n\nLEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).\n\nI have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.\n\nB. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). \nComment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( XXXX ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., XXXX, XXXX XXXX at XXXX ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).\n\nThe Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.\n\nGenerally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB XXXX Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. \n\nThank you for your full consideration in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-03-10T16:44:23.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"122XX","tags":null,"has_narrative":true,"complaint_id":"4199958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2021-03-10T16:40:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["U S <em>DEPT</em> OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer <em>rights</em> to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement <em>compliance</em> with credit reporting agencies, and overall <em>compliance</em>"]},"sort":[9.332621,"4199958"]},{"_index":"complaint-public-v1","_id":"4199810","_score":9.32394,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. \n\nLEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. \n605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. \n( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.\n\nThe 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \nCREDITOR CONTACT INFORMATION : DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\n\nU S DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nUS DEPT OF DE XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. \n\nDISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX  and XXXX XXXX maintain integrity for the American consumers. \nThe following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. \n2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.\n\n3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may\nhave had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.\n\n4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.\n\n5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.\n\n6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. \nI may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. \n\nDISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. \n\nLEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. \n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii XXXX as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). \nI have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.\n\nB. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).\n\nComment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).\n\nThe Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.\n\nGenerally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, XXXX XXXX XXXX ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, XXXX XXXX XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident\naliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. \n\nThank you for your full consideration in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-03-10T16:28:49.000Z","issue":"Written notification about debt","sub_product":"Federal student loan debt","zip_code":"122XX","tags":null,"has_narrative":true,"complaint_id":"4199810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-03-10T16:22:29.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["At no time will I ever agree upon the postings of public utilities on my credit report, even though I <em>understand</em> that I may volunteer to add my payment histories of this nature at any time.\n\n5 ) I may request the services of the <em>Consumer</em> Financial Protection Bureau to help me as a potential mediator in cases where I believe that my <em>rights</em> under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation."]},"sort":[9.32394,"4199810"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":89,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":89}]}},"product":{"doc_count":89,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":44,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":44}]}},{"key":"Credit reporting or other personal consumer 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account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":89,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":40,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":38},{"key":"Account information incorrect","doc_count":1},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":18}]}},{"key":"Written notification about debt","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":11}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":9}]}},{"key":"Problem with a credit reporting company's investigation into an existing 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