{"took":314,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":956,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7988398","_score":21.76582,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX To Citizens chairman Subject : Formal Request for Compliance Information and Demands Regarding Credit Application Dear XXXX, I trust this message finds you well. I am writing to follow up on my recent communications regarding the denial of my auto loan application and to formalize my request for specific information in accordance with the Equal Credit Opportunity Act ( ECOA ) and the Federal Reserve Act Section 16 ( 2 ). \n\nI have carefully reviewed your recent response to the Consumer Financial Protection Bureau ( CFPB ) complaint and the details provided regarding the credit application received from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The vehicle applied for was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my name, XXXX XXXX XXXX. However, my concerns persist, particularly regarding the alignment of the denial with federal regulations. \n\nAs the denial is a significant decision impacting my financial standing, I kindly request specific details outlining how my application did not meet the credit lending criteria, as per the ECOA regulations. This information is crucial for me to better understand the basis of the denial and ensure compliance with federal law.","date_sent_to_company":"2023-12-12T23:48:50.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"7988398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2023-12-12T23:08:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["This information is crucial for me to better understand the basis of the denial and ensure <em>compliance</em> with <em>federal</em> <em>law</em>."]},"sort":[21.76582,"7988398"]},{"_index":"complaint-public-v1","_id":"8091923","_score":20.641161,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against Navy Federal Credit Union, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit union member, I expect institutions like Navy Federal Credit Union to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Navy Federal Credit Union 's practices.\n\nMy primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Navy Federal Credit Union may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. \n\nBeyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Navy Federal Credit Union may lack full compliance.\n\nThe apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974.\n\nNotably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.\n\nEmphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Navy Federal Credit Union, contravenes the law.\n\nAdditional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection.\n\nLastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.\n\nIn light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Navy Federal Credit Union 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.\n\nI appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.","date_sent_to_company":"2024-01-02T09:47:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"8091923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-01-02T07:41:33.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to <em>consumer</em> reporting agencies, a responsibility that must be upheld.\n\nIn light of these concerns, I urgently request a thorough <em>Consumer</em> Financial <em>Protection</em> Bureau investigation into Navy <em>Federal</em> Credit Union 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant <em>laws</em>, and ensure <em>compliance</em> with privacy <em>laws</em> and <em>consumer</em> <em>protection</em> statutes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[20.641161,"8091923"]},{"_index":"complaint-public-v1","_id":"7989689","_score":20.339315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my credit report. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided. \n\nThis inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on credit reports. The failure to validate or rectify these discrepancies not only undermines the integrity of my credit report but also contradicts Nevada 's adaptation of the Uniform Commercial Code ( UCC ), specifically XXXX XXXX. \n\nI request the CFPB 's intervention to ensure compliance with federal and state consumer protection laws and to address this failure in upholding my right to an accurate and fair credit report.","date_sent_to_company":"2023-12-12T16:23:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"7989689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2023-12-12T16:13:51.000Z","state":"NV","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request the CFPB 's intervention to ensure <em>compliance</em> with <em>federal</em> and state <em>consumer</em> <em>protection</em> <em>laws</em> and to address this failure in upholding my right to an accurate and fair credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[20.339315,"7989689"]},{"_index":"complaint-public-v1","_id":"9687770","_score":19.82948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Federal Student Loan Due to Lack of Proper Documentation Dear Sir/Madam, I am writing to formally dispute the validity of my federal student loan on the grounds that I did not receive appropriate documentation within the required timeframe as stipulated by federal regulations. \n\nReason for Dispute : According to federal law, debt collectors, including government agencies, are required to provide written notice of a debt within five days of the initial contact. This notice must include specific information about the debt, such as the amount owed, the name of the creditor, and information regarding my rights to dispute the debt. \nI assert that I did not receive this required documentation within the stipulated timeframe. As a result, I am unable to verify the accuracy and validity of the debt. This lack of documentation impedes my ability to make informed decisions regarding my repayment options and obligations. \nRequested Action : Verification of Debt : Please provide a detailed account of the debt, including the amount owed, the name of the creditor, and a history of all communications and notices sent to me, particularly any initial contact documentation. \nReview of Compliance : Conduct an internal review to ensure that all procedural requirements were followed correctly, particularly concerning the timely provision of required documentation. \nCorrection of Credit Report : If the necessary documentation can not be provided, I request that this debt be removed from my credit report immediately. \nFailure to provide the requested documentation and to comply with federal regulations may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal advice. \n\nThank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-13T17:02:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79932","tags":null,"has_narrative":true,"complaint_id":"9687770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-08-03T02:56:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to provide the requested documentation and to comply with <em>federal</em> regulations may compel me to escalate this matter to the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) and seek further legal advice. \n\nThank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible. \nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company":["Maximus <em>Federal</em> Services, Inc."]},"sort":[19.82948,"9687770"]},{"_index":"complaint-public-v1","_id":"10377993","_score":19.685352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Haven Connecticut Laws Dear SIMONS AGENCY INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws.\n\nIt has unequivocally come to my attention that SIMONS AGENCY INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. \n\nI assert with unwavering certainty that I have not provided consent for SIMONS AGENCY INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.\n\nI demand, with the utmost certainty, that SIMONS AGENCY INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.\n\nI anticipate your immediate attention to this matter and expect that SIMONS AGENCY INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-09T12:58:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"10377993","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Simon's Agency, Inc.","date_received":"2024-10-07T13:32:09.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Federal</em> <em>law</em>, as outlined in the FCRA, explicitly mandates that the consent of the <em>consumer</em> is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to <em>federal</em> <em>law</em>, Connecticut state <em>law</em>, <em>particularly</em> under Section 53a-129a of the Connecticut Penal Code, outlines clear <em>protections</em> for <em>consumers</em> against unauthorized use of personal information, including identity theft."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.685352,"10377993"]},{"_index":"complaint-public-v1","_id":"10377258","_score":19.685352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Connecticut Laws Dear THD/CBNA, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws. \n\nIt has unequivocally come to my attention that THD/CBNA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. \n\nI assert with unwavering certainty that I have not provided consent for THD/CBNA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \n\nI demand, with the utmost certainty, that THD/CBNA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that THD/CBNA will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-07T13:28:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"10377258","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-10-07T13:20:47.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Federal</em> <em>law</em>, as outlined in the FCRA, explicitly mandates that the consent of the <em>consumer</em> is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to <em>federal</em> <em>law</em>, Connecticut state <em>law</em>, <em>particularly</em> under Section 53a-129a of the Connecticut Penal Code, outlines clear <em>protections</em> for <em>consumers</em> against unauthorized use of personal information, including identity theft."],"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":[19.685352,"10377258"]},{"_index":"complaint-public-v1","_id":"10378253","_score":19.654945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Connecticut Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws.\n\nIt has unequivocally come to my attention that CAP ONE AUTO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. \n\nI assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.\n\nI demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.\n\nI anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.\n\nDone in good faith.","date_sent_to_company":"2024-10-07T13:31:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"10378253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-07T13:28:41.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Federal</em> <em>law</em>, as outlined in the FCRA, explicitly mandates that the consent of the <em>consumer</em> is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to <em>federal</em> <em>law</em>, Connecticut state <em>law</em>, <em>particularly</em> under Section 53a-129a of the Connecticut Penal Code, outlines clear <em>protections</em> for <em>consumers</em> against unauthorized use of personal information, including identity theft."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.654945,"10378253"]},{"_index":"complaint-public-v1","_id":"13180241","_score":19.518353,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint against Equifax regarding their inadequate handling of my disputes related to inaccuracies in my credit report. Despite my repeated attempts to address these discrepancies, Equifax consistently responds within 24 hours, asserting that the accounts in question are accurate. However, they fail to provide any evidence of a thorough investigation into my disputes, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. This statute mandates that credit reporting agencies conduct reasonable investigations of disputed information.\n\nFurthermore, Equifax 's practices may also infringe upon the Consumer Financial Protection Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This is particularly concerning in light of the recent administrative proceedings initiated by the CFPB ( XXXX XXXX. XXXX ) against Equifax for similar infractions , indicating a pattern of non-compliance with federal regulations.\n\nI urge the Consumer Financial Protection Bureau to take appropriate action to ensure that Equifax adheres to federal law and provides consumers, including myself, with the necessary documentation and proof of their investigations into disputed accounts.\n\nThe accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.","date_sent_to_company":"2025-04-25T13:46:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92543","tags":null,"has_narrative":true,"complaint_id":"13180241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-25T13:46:28.000Z","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":["Furthermore, Equifax 's practices may also infringe upon the <em>Consumer</em> Financial <em>Protection</em> Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This is <em>particularly</em> concerning in light of the recent administrative proceedings initiated by the CFPB ( XXXX XXXX. XXXX ) against Equifax for similar infractions , indicating a pattern of non-<em>compliance</em> with <em>federal</em> regulations."],"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":[19.518353,"13180241"]},{"_index":"complaint-public-v1","_id":"13177772","_score":19.518353,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint against Equifax regarding their inadequate handling of my disputes related to inaccuracies in my credit report. Despite my repeated attempts to address these discrepancies, Equifax consistently responds within 24 hours, asserting that the accounts in question are accurate. However, they fail to provide any evidence of a thorough investigation into my disputes, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. This statute mandates that credit reporting agencies conduct reasonable investigations of disputed information.\n\nFurthermore, Equifax 's practices may also infringe upon the Consumer Financial Protection Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This is particularly concerning in light of the recent administrative proceedings initiated by the CFPB ( XXXX XXXX. XXXX ) against Equifax for similar infractions , indicating a pattern of non-compliance with federal regulations.\n\nI urge the Consumer Financial Protection Bureau to take appropriate action to ensure that Equifax adheres to federal law and provides consumers, including myself, with the necessary documentation and proof of their investigations into disputed accounts.\n\nThe accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.","date_sent_to_company":"2025-04-25T13:46:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92543","tags":null,"has_narrative":true,"complaint_id":"13177772","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-25T13:36:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, Equifax 's practices may also infringe upon the <em>Consumer</em> Financial <em>Protection</em> Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This is <em>particularly</em> concerning in light of the recent administrative proceedings initiated by the CFPB ( XXXX XXXX. XXXX ) against Equifax for similar infractions , indicating a pattern of non-<em>compliance</em> with <em>federal</em> regulations."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.518353,"13177772"]},{"_index":"complaint-public-v1","_id":"13173679","_score":19.516926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint against Equifax regarding their inadequate handling of my disputes related to inaccuracies in my credit report. Despite my repeated attempts to address these discrepancies, Equifax consistently responds within 24 hours, asserting that the accounts in question are accurate. However, they fail to provide any evidence of a thorough investigation into my disputes, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. This statute mandates that credit reporting agencies conduct reasonable investigations of disputed information.\n\nFurthermore, Equifax 's practices may also infringe upon the Consumer Financial Protection Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This is particularly concerning in light of the recent administrative proceedings initiated by the CFPB ( XXXX XXXX. XXXX ) against Equifax for similar infractions , indicating a pattern of non-compliance with federal regulations.\n\nI urge the Consumer Financial Protection Bureau to take appropriate action to ensure that Equifax adheres to federal law and provides consumers, including myself, with the necessary documentation and proof of their investigations into disputed accounts.\n\nThe accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.","date_sent_to_company":"2025-04-25T13:46:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92543","tags":null,"has_narrative":true,"complaint_id":"13173679","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-25T13:46:28.000Z","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":["Furthermore, Equifax 's practices may also infringe upon the <em>Consumer</em> Financial <em>Protection</em> Act ( CFPA ), under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This is <em>particularly</em> concerning in light of the recent administrative proceedings initiated by the CFPB ( XXXX XXXX. XXXX ) against Equifax for similar infractions , indicating a pattern of non-<em>compliance</em> with <em>federal</em> regulations."],"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":[19.516926,"13173679"]},{"_index":"complaint-public-v1","_id":"8382190","_score":19.504143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear SANTANDER CONSUMER USA, I am reaching out to address a serious issue regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina Identity Theft Protection Act, particularly Chapter 75A of the North Carolina General Statutes.\n\nIt has come to my attention that SANTANDER CONSUMER USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nAdditionally, North Carolina state law, specifically Chapter 75A of the North Carolina General Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to safeguard individuals from identity theft and the unauthorized use of personal information.\n\nI assert with certainty that I have not provided consent for SANTANDER CONSUMER USA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws.\n\nI demand that SANTANDER CONSUMER USA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter 75A of the North Carolina General Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft protection laws.\n\nObtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.\n\nI expect immediate attention to this matter and urge SANTANDER CONSUMER USA to rectify these violations promptly, respecting my rights under federal and state laws.\n\nDone in good faith.","date_sent_to_company":"2024-02-21T03:17:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"8382190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-02-21T03:11:39.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to <em>Federal</em> and North Carolina <em>Laws</em> Dear SANTANDER <em>CONSUMER</em> USA, I am reaching out to address a serious issue <em>regarding</em> the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina Identity Theft <em>Protection</em> Act, <em>particularly</em> Chapter 75A of the North Carolina General Statutes."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.504143,"8382190"]},{"_index":"complaint-public-v1","_id":"18514001","_score":19.364786,"_source":{"product":"Debt collection","complaint_what_happened":"To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Sunrise Credit Services for improper credit reporting practices and refusal to provide reasonable access for written dispute correspondence. \n\nSunrise Credit Services is currently reporting a collection account under my name to XXXX and XXXX. This account was previously removed from my credit report for several months and was recently reinserted. I did not receive any written notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). \n\nOn [ insert date ], I contacted Sunrise Credit Services by phone to request their fax number so I could submit a formal written dispute and compliance notice. I made it clear that I was not calling to discuss the debt by phone and only needed the fax number for written correspondence. Sunrise Credit Services refused to provide a fax number and attempted to continue the conversation verbally instead. \n\nBy refusing to provide a fax number or reasonable written communication method, Sunrise Credit Services is obstructing my ability to submit a formal dispute and maintain a proper paper trail. This behavior raises serious concerns regarding compliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding consumer dispute rights and accurate credit reporting. \n\nAdditionally, XXXX  has confirmed that this account has not yet been reported to them, increasing my concern that Sunrise Credit Services may attempt further improper reporting. \n\nI am requesting that the CFPB investigate Sunrise Credit Services reporting practices, their refusal to provide written dispute access, and require them to cease reporting this account unless they can fully demonstrate lawful certification, proper notice of reinsertion, and compliance with federal consumer protection laws. \n\nThank you for your assistance in this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-01-06T22:32:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"18514001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2026-01-06T22:11:08.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate Sunrise Credit Services reporting practices, their refusal to provide written dispute access, and require them to cease reporting this account unless they can fully demonstrate lawful certification, proper notice of reinsertion, and <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nThank you for your assistance in this matter. \n\nSincerely, XXXX XXXX XXXX"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.364786,"18514001"]},{"_index":"complaint-public-v1","_id":"10750093","_score":19.349428,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Overdraft Fees on My Account Dear Navy Federal Dispute Resolution Department , I am writing to formally dispute the overdraft fees recently applied to my account. Upon reviewing my account activity, I believe these charges were improperly assessed, particularly in light of recent reports indicating potentially unlawful overdraft practices by financial institutions, including Navy Federal.\n\nA recent article highlighted that certain overdraft fees charged by banks may violate consumer protection laws, such as the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Under Regulation E, I am entitled to clear, affirmative consent for overdraft services and transparent disclosures regarding fees. However, I believe the fees in question were charged without fully adhering to these requirements, potentially infringing upon my rights as a consumer. \n\nAdditionally, as outlined by the Consumer Financial Protection Bureau ( CFPB ), institutions are prohibited from using unfair, deceptive, or abusive acts or practices in relation to overdraft fees. Based on my records, I believe the overdraft charges applied to my account may be inconsistent with both CFPB guidelines and fair consumer banking practices.\n\nI am formally requesting : 1. A detailed review of my account transactions and fee assessments, with documentation of your compliance with federal regulations.\n\n2. A refund for any overdraft fees deemed improperly charged, as well as any associated interest or penalties.\n\n3. Written confirmation that my account has been reviewed and corrected accordingly.\n\nPlease consider this letter a formal dispute under both the EFTA and the Fair Credit Billing Act ( FCBA ). I kindly request your timely response, as federal law mandates prompt attention to disputes. If necessary, I am prepared to escalate this matter with the CFPB and other relevant regulatory bodies to ensure my consumer rights are upheld. \n\nThank you for your attention to this matter. I look forward to your response.","date_sent_to_company":"2024-11-10T14:46:08.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"10750093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-11-10T14:36:52.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["A recent article highlighted that certain overdraft fees charged by banks may violate <em>consumer</em> <em>protection</em> <em>laws</em>, such as the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Under Regulation E, I am entitled to clear, affirmative consent for overdraft services and transparent disclosures <em>regarding</em> fees. However, I believe the fees in question were charged without fully adhering to these requirements, potentially infringing upon my rights as a <em>consumer</em>."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[19.349428,"10750093"]},{"_index":"complaint-public-v1","_id":"10269046","_score":19.33609,"_source":{"product":"Student loan","complaint_what_happened":"Concern Over Transfer of Discover Student Loans to XXXX XXXX Dear CFPB Team, I am reaching out to express my concern regarding the recent transfer of my student loans from Discover to XXXX XXXX. Given the ongoing legal issues involving both companies, I am seeking guidance on whether this transfer violates consumer protection laws, and if so, whether I may qualify for relief, including potential loan cancellation. \n\nDiscover has been involved in a class-action lawsuit ( XXXX XXXX Discover Bank ) that settled earlier this year for violations of the Civil Rights Act and Californias Unruh Civil Rights Act, specifically discriminating against Deferred Action for Childhood Arrivals ( DACA ) recipients in their lending practices. While my situation does not pertain to DACA status, the negligent management of their lending practices is evident. \n\nI am particularly concerned about the subsequent transfer to XXXX XXXX, a company that is currently facing a class-action lawsuit for alleged violations of the Rosenthal Fair Debt Collection Practices Act and other federal consumer protection regulations. The fact that my personal and financial information has been transferred to a company with a questionable track record of fair debt collection practices raises serious concerns about data security and compliance. \n\nI am inquiring if the transfer of my loan under these circumstances can be deemed unlawful or unethical under federal consumer protection laws. Specifically, I would like to know : 1. Can I request the cancellation of my loans on the grounds that the transfer to XXXX, a company involved in ongoing legal proceedings for unfair debt collection practices, constitutes negligent management and mishandling by Discover? \n\n2. Does the CFPB have the authority to intervene in cases where loans have been transferred to a servicer currently under legal scrutiny?\n\n3. What are my rights regarding this transfer, and what recourse do I have if I believe my loans are being managed by a servicer not in compliance with federal and state regulations?\n\nI am looking for assistance in understanding my rights and determining whether I have a valid case for relief. Given the seriousness of these allegations and the potential impact on my financial stability, I would appreciate a thorough review of my situation and guidance on the next steps. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX -- - If you'd like to adjust the details or tone, feel free to let me know!","date_sent_to_company":"2024-09-27T17:45:28.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"037XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10269046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-09-27T17:39:41.000Z","state":"NH","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I am <em>particularly</em> concerned about the subsequent transfer to XXXX XXXX, a company that is currently facing a class-action lawsuit for alleged violations of the Rosenthal Fair Debt Collection Practices Act and other <em>federal</em> <em>consumer</em> <em>protection</em> regulations. The fact that my personal and financial information has been transferred to a company with a questionable track record of fair debt collection practices raises serious concerns about data security and <em>compliance</em>."]},"sort":[19.33609,"10269046"]},{"_index":"complaint-public-v1","_id":"18393938","_score":19.279125,"_source":{"product":"Checking or savings account","complaint_what_happened":"This letter constitutes a FINAL PRE-LITIGATION DEMAND regarding overdraft fees unlawfully assessed on my Wells Fargo account ending in XXXX. This correspondence places Wells Fargo on formal notice of its violations and provides one final opportunity to resolve this matter before legal action is initiated. \n\nWells Fargo issued a written notice expressly stating that I had until XXXX PM on the applicable date ( XX/XX/year> ) to bring my account current in order to avoid overdraft fees. I relied on this representation and made my account current prior to the stated deadline. Notwithstanding my full compliance, Wells Fargo assessed overdraft fees to my account on XX/XX/year>. \n\nAfter discovering these improper charges, I contacted Wells Fargos Customer Advocate Team and requested an investigation. Wells Fargo refused to investigate, summarily stating that the fees would not be reversed. This refusal to investigate a disputed charge, particularly where written notice and documented compliance exist, is unacceptable and further evidences unlawful conduct. Assessing overdraft fees after a consumer has complied with the express terms of a written notice, followed by a refusal to investigate or correct the error, constitutes unfair, deceptive, and misleading practices. Such conduct may violate federal and state consumer protection laws, banking regulations, and Wells Fargos own published policies.","date_sent_to_company":"2025-12-31T16:21:17.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"18393938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-31T16:08:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Assessing overdraft fees after a <em>consumer</em> has complied with the express terms of a written notice, followed by a refusal to investigate or correct the error, constitutes unfair, deceptive, and misleading practices. Such conduct may violate <em>federal</em> and state <em>consumer</em> <em>protection</em> <em>laws</em>, banking regulations, and Wells Fargos own published policies."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.279125,"18393938"]},{"_index":"complaint-public-v1","_id":"12965080","_score":19.074837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/2025 Equifax Information Services, XXXX XXXX : XXXX Department XXXX XXXX XXXX XXXX, GA XXXX RE : METRO 2 FORMAT COMPLIANCE VIOLATIONS- URGENT DEMAND LETTER Account Number/File Number : [ Your File Number if known ] To Whom It May Concern : I am writing to formally address serious Metro 2 compliance violations affecting my consumer credit file maintained by Equifax. This letter serves as both a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a demand for immediate corrective action regarding technical compliance failures. \nDocumented Access Failures I have made multiple unsuccessful attempts to access my credit report through both XXXX direct consumer portal and XXXX, which is my legal right under the FCRA. Each attempt has resulted in system errors indicating XXXX experienced an issue processing your request. Furthermore, I have called Equifax customer service three times, during one of which the representative terminated the call without resolution. These access failures appear to be directly related to underlying Metro 2 format violations in my file.\n\nSpecific Metro 2 Compliance Violations Based on information visible in my partial credit file and error messages, I have reasonable belief that the following specific Metro 2 violations exist : 1. Improper Consumer Information Data Architecture ( CIDA ) Codes : The Consumer Data Industry Association requires specific formatting for bankruptcy information and dispute handling, which appears to be incorrectly implemented in my file. \nXXXX. Consumer Compliance Condition Code ( CCC ) Violations : My file likely contains improper coding or missing CCC designations for disputed accounts, accounts affected by bankruptcy proceedings, or accounts closed at consumer request. \nXXXX. XXXXXXXX XXXX XXXX Integration Issues : The bankruptcy information furnished by XXXX XXXX XXXX has not been properly formatted according to XXXX XXXX standards when integrated into my Equifax file, creating data integrity issues that prevent proper file access. \n4. Payment History Profile ( PHP ) Coding Errors : Accounts may be improperly coded regarding delinquency status or payment history, particularly related to any accounts included in bankruptcy proceedings.\n\nLegal Violations These XXXX XXXX compliance failures constitute violations of multiple federal consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to provide consumer access to file information ( 15 U.S.C. 1681g ).\n\n2. Fair and Accurate Credit Transactions Act ( FACTA ) : Denial of access to my free annual credit report as guaranteed by federal law. \nXXXX. Truth in Lending Act ( XXXX ) : If the XXXX XXXX formatting errors affect the reporting of account terms or payment histories in ways that misrepresent the original credit terms disclosed under TILA.\n\nRecent CFPB Enforcement Action I note that on XX/XX/2025, the Consumer Financial Protection Bureau ( CFPB ) issued an enforcement order against Equifax for {$15.00} XXXX, specifically for violations related to improper investigation of consumer disputes and inaccurate credit reporting. According to the CFPBs findings, Equifax : XXXX. Failed to properly conduct reinvestigations of disputed information in consumer files. \nXXXX. Failed to prevent improper reinsertion of previously deleted information. \nXXXX. Failed to provide adequate written notice to consumers regarding investigation results. \nXXXX. Failed to follow reasonable procedures to assure maximum possible accuracy of information. \nMy situation directly mirrors the systemic failures identified in this recent enforcement action, suggesting that my case is not an isolated incident but part of a pattern of non-compliance with federal consumer protection laws that has already been recognized by federal regulators. \nReservation of Rights for Legal Claims I expressly state that I intend to pursue all available legal remedies for the damages I have already suffered due to these Metro 2 compliance violations, regardless of whether Equifax takes corrective action in response to this letter. Any correction of my credit file at this point will not remedy : 1. The significant time and effort I have already expended attempting to resolve these issues, including multiple phone calls where I was disconnected without resolution. \nXXXX. The emotional distress and frustration caused by being denied access to my legally entitled credit information. \nXXXX. Potential harm to my creditworthiness during the period these violations persisted. \nXXXX. The violation of my federally protected rights to access my credit information and have it reported accurately. \nSimply fixing these issues now does not absolve Equifax of liability for past violations, nor does it compensate me for the harm already caused. I expressly reserve all rights to pursue claims for statutory damages, actual damages, punitive damages, and attorneys fees under the FCRA and other applicable laws, regardless of any remedial steps Equifax may take after receiving this letter. The ongoing XXXX XXXX compliance violations on my profile constitute continuing violations of federal law that can not be erased by belated compliance efforts. \nImmediate Demands I hereby demand the following actions be taken within 15 business days of receipt of this letter : 1. A complete audit of my credit file to identify and correct all XXXX XXXX formatting violations, particularly those related to XXXX codes, CCC fields, and bankruptcy information. \n2. Immediate provision of a complete copy of my credit report via secure mail or alternative secure electronic delivery.\n\n3. Written documentation of all identified XXXX XXXX compliance issues found and corrective actions taken. \nXXXX. Implementation of proper XXXXonsumer Compliance Condition Codes ( CCC ) where applicable in my file.\n\n5. Correction of any matching algorithms or procedures that improperly link XXXX bankruptcy data to my consumer credit file. \nXXXX. A direct contact person at Equifax authorized to discuss Metro 2 compliance issues and their resolution.\n\nNotice of Escalation If these demands are not satisfactorily met within the timeframe specified, I will file formal complaints with : 1. The Consumer Financial Protection Bureau ( CFPB ) XXXX. The Federal Trade Commission ( FTC ) XXXX. My states Attorney Generals office Additionally, I reserve the right to pursue all legal remedies available under the FCRA, including statutory damages, actual damages, punitive damages, and attorneys fees as applicable under 15 U.S.C. 1681n and 1681o.\n\nPlease direct all communications regarding this matter in writing to the address listed above. \nSincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission Louisiana Attorney XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Enclosures : Screenshots of access errors Documentation of phone call attempts [ Any other relevant documentation ]","date_sent_to_company":"2025-04-13T12:23:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12965080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-13T12:01:24.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Payment History Profile ( PHP ) Coding Errors : Accounts may be improperly coded <em>regarding</em> delinquency status or payment history, <em>particularly</em> related to any accounts included in bankruptcy proceedings.\n\nLegal Violations These XXXX XXXX <em>compliance</em> failures constitute violations of multiple <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em> : XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.074837,"12965080"]},{"_index":"complaint-public-v1","_id":"10389725","_score":19.069542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. \n\nIt has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nUnder XXXX  law, particularly in accordance with Missouri Revised Statutes Chapter XXXX ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. XXXX law also imposes civil liability for violations of consumer protection and identity theft statutes. \n\nI assert with unwavering certainty that I have not provided consent for XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. \n\nI demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's XXXX fraud and consumer protection statutes. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-10T13:54:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"10389725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridge IT, Inc.","date_received":"2024-10-08T14:43:40.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>law</em>. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and state regulations, protecting <em>consumers</em> like myself from unauthorized and damaging credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.069542,"10389725"]},{"_index":"complaint-public-v1","_id":"10383655","_score":19.069542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV FUNDING LLC, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.\n\nIt has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nUnder Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. \n\nI assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. \n\nI demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-08T15:02:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"10383655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-10-08T14:59:56.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>law</em>. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and state regulations, protecting <em>consumers</em> like myself from unauthorized and damaging credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.069542,"10383655"]},{"_index":"complaint-public-v1","_id":"10384578","_score":19.05694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear POSSIBLEFINA, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. \n\nIt has unequivocally come to my attention that POSSIBLEFINA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nUnder Missouri law, particularly in accordance with Missouri Revised Statutes Chapter XXXX ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. \n\nI assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. \n\nI demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-08T14:55:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"10384578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2024-10-08T14:53:04.000Z","state":"MO","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>law</em>. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and state regulations, protecting <em>consumers</em> like myself from unauthorized and damaging credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.05694,"10384578"]},{"_index":"complaint-public-v1","_id":"10383637","_score":19.05694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.\n\nIt has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nUnder Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. \n\nI assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. \n\nI demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes.\n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-08T15:09:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"10383637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2024-10-08T15:07:31.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and state regulations, protecting <em>consumers</em> like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under <em>federal</em> and state <em>laws</em>. \n\nDone in good faith."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.05694,"10383637"]},{"_index":"complaint-public-v1","_id":"10383309","_score":19.05694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SPRINGOAKCAP, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.\n\nIt has unequivocally come to my attention that SPRINGOAKCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nUnder Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. \n\nI assert with unwavering certainty that I have not provided consent for SPRINGOAKCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. \n\nI demand, with the utmost certainty, that SPRINGOAKCAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that SPRINGOAKCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-08T15:06:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"10383309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2024-10-08T15:04:17.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>law</em>. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and state regulations, protecting <em>consumers</em> like myself from unauthorized and damaging credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.05694,"10383309"]},{"_index":"complaint-public-v1","_id":"10383412","_score":19.025856,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SUNUPFIN, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. \n\nIt has unequivocally come to my attention that SUNUPFIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nUnder Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes.\n\nI assert with unwavering certainty that I have not provided consent for SUNUPFIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws.\n\nI demand, with the utmost certainty, that SUNUPFIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes.\n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.\n\nI anticipate your immediate attention to this matter and expect that SUNUPFIN will promptly rectify these egregious violations, respecting my rights under federal and state laws.\n\nDone in good faith.","date_sent_to_company":"2024-10-08T14:59:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"10383412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Braviant Holdings, LLC","date_received":"2024-10-08T14:56:14.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>law</em>. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and state regulations, protecting <em>consumers</em> like myself from unauthorized and damaging credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.025856,"10383412"]},{"_index":"complaint-public-v1","_id":"13282970","_score":18.999437,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint regarding the recent and unexplained closure of my credit card accounts by USAA Federal Savings Bank. \n\nOn XX/XX/year>, I was notified that my USAA credit card accounts had been closed without any prior warning, reason, or explanation. I had been a customer in good standing, and my accounts were current with no history of late payments or unusual activity. I immediately contacted USAA to request clarification, but their representatives were unable or unwilling to provide a clear rationale for the account closures.\n\nThis sudden action has negatively impacted my credit score and financial stability. I believe that as a consumer, I have the right to a full and transparent explanation when a creditor takes such significant action, particularly when it affects my credit profile and access to financial services. \n\nI respectfully request that the CFPB investigate this matter to determine whether USAAs actions were in compliance with applicable laws and consumer protection regulations. Additionally, I would appreciate any assistance the Bureau can provide in obtaining a formal explanation from USAA regarding the closure of my accounts.\n\nPlease feel free to contact me at [ phone number ] or [ email address ] if additional information is required to process this complaint. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-05-01T19:16:24.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91042","tags":null,"has_narrative":true,"complaint_id":"13282970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-05-01T19:09:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I believe that as a <em>consumer</em>, I have the right to a full and transparent explanation when a creditor takes such significant action, <em>particularly</em> when it affects my credit profile and access to financial services. \n\nI respectfully request that the CFPB investigate this matter to determine whether USAAs actions were in <em>compliance</em> with applicable <em>laws</em> and <em>consumer</em> <em>protection</em> regulations."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.999437,"13282970"]},{"_index":"complaint-public-v1","_id":"10401975","_score":18.984575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear TRANSWORLD SYSTEMS INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX  identity theft and consumer protection laws.\n\nIt has unequivocally come to my attention that TRANSWORLD SYSTEMS INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under XXXX Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. \n\nI assert with unwavering certainty that I have not provided consent for TRANSWORLD SYSTEMS INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \n\nI demand, with the utmost certainty, that TRANSWORLD SYSTEMS INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant identity theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. \n\nObtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and XXXX state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that TRANSWORLD SYSTEMS INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-09T23:36:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"15146","tags":null,"has_narrative":true,"complaint_id":"10401975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-10-09T23:33:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to <em>Federal</em> and XXXX <em>Laws</em> Dear TRANSWORLD SYSTEMS INC, I am writing to address a blatant violation <em>regarding</em> the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), <em>particularly</em> under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX  identity theft and <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[18.984575,"10401975"]},{"_index":"complaint-public-v1","_id":"10401458","_score":18.984575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CCB/ULTA, XXXX am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX identity theft and consumer protection laws. \n\nIt has unequivocally come to my attention that CCB/ULTA has XXXX in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft XXXX ( XXXX XXXX Cons. XXXX. XXXX ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. \n\nI assert with unwavering certainty that I have not provided consent for CCB/ULTA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \n\nI demand, with the utmost certainty, that CCB/ULTA immediately XXXX any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant XXXX theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. \n\nObtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that CCB/ULTA will XXXX rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-10-09T23:12:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"15146","tags":null,"has_narrative":true,"complaint_id":"10401458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-10-09T23:08:44.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to <em>Federal</em> and Pennsylvania <em>Laws</em> Dear CCB/ULTA, XXXX am writing to address a blatant violation <em>regarding</em> the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), <em>particularly</em> under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX identity theft and <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[18.984575,"10401458"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":956,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":956}]}},"product":{"doc_count":956,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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