{"took":188,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4761489","_score":24.850359,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"JPMORGAN CHASE BANK did not return all of the recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfbp complaint # XXXX. JPMORGAN CHASE BANK stated that there are no more funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. JPMORGAN CHASE BANK showed deficiency in following XXXX  compliance program requirements and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs system of internal controls did not effectively identify or address the XXXX  related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. XXXXPMORGAN CHASE BANKs management was ineffective in overseeing JPMORGAN CHASE BANKs day-to-day compliance with the XXXX  regulations and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs XXXX-related deficiencies demonstrate that JPMORGAN CHASE BANKs compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. JPMORGAN CHASE BANK did not detect or investigate suspicious activities to determine whether XXXX filings were appropriate. JPMORGAN CHASE BANK failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, JPMORGAN CHASE BANK failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. JPMORGAN CHASE BANK failed to know their customer 's financial affairs in terms of source of income. JPMORGAN CHASE BANK failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. JPMORGAN CHASE BANK did not collect or maintain sufficient information about its banking customers. \nIn conclusion, JPMORGAN CHASE BANK engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \nThe Bank 's failure to comply with these regulations caused substantial distress for the unaware customers falling into the investment scam operated by the Banks customers. \nJPM Chase Bank responded to XXXX handling the recall of my funds wired out from my XXXX account into two JPM Chase Banks customer fraudulent accounts returning only {$100000.00} out of {$230000.00} as follows : 1. The Bank recognized the problem returning partially {$100000.00} out of {$200000.00} wire transferred to JPMORGAN CHASE BANK, NA-3669 Account XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX stating that the rest of the funds are gone. \n\nXXXX. The Bank stated that there are no funds available in the XXXX CHASE BANK, NA account XXXX for XXXX XXXX at XXXX XXXX, FL XXXX where I wire transferred {$39000.00} ; therefore, the Bank refused to return lost funds.","date_sent_to_company":"2021-09-28T21:30:50.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T21:25:44.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["JPMORGAN CHASE BANK showed deficiency in following XXXX  <em>compliance</em> program requirements and <em>knowing</em> their <em>customer</em> 's <em>financial</em> <em>affairs</em>."]},"sort":[24.850359,"4761489"]},{"_index":"complaint-public-v1","_id":"4761328","_score":24.783854,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"JPMORGAN CHASE BANK did not return all of the recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfbp complaint # XXXX. JPMORGAN CHASE BANK stated that there are no more funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. JPMORGAN CHASE BANK showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs system of internal controls did not effectively identify or address the KYC related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. JPMORGAN CHASE BANKs management was ineffective in overseeing JPMORGAN CHASE BANKs day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs KYC-related deficiencies demonstrate that JPMORGAN CHASE BANKs compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. JPMORGAN CHASE BANK did not detect or investigate suspicious activities to determine whether XXXX filings were appropriate. JPMORGAN CHASE BANK failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, JPMORGAN CHASE BANK failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. JPMORGAN CHASE BANK failed to know their customer 's financial affairs in terms of source of income. JPMORGAN CHASE BANK failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. JPMORGAN CHASE BANK did not collect or maintain sufficient information about its banking customers.\n\nIn conclusion, JPMORGAN CHASE BANK engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \n\nThe Bank 's failure to comply with these regulations caused substantial distress for the unaware customers falling into the investment scam operated by the Banks customers. \n\nJPM Chase Bank responded to XXXX handling the recall of my funds wired out from my XXXX account into two JPM Chase Banks customer fraudulent accounts returning only {$100000.00} out of {$230000.00} as follows : 1. The Bank recognized the problem returning partially {$100000.00} out of {$200000.00} wire transferred to JPMORGAN CHASE BANK, NA-XXXX  Account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX stating that the rest of the funds are gone. \n\n2. The Bank stated that there are no funds available in the JPMORGAN CHASE BANK, NA account XXXX for XXXX XXXX at XXXX XXXX, FL XXXX where I wire transferred {$39000.00} ; therefore, the Bank refused to return lost funds.","date_sent_to_company":"2021-09-28T20:04:18.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T19:52:43.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["JPMORGAN CHASE BANK showed deficiency in following KYC <em>compliance</em> program requirements and <em>knowing</em> their <em>customer</em> 's <em>financial</em> <em>affairs</em>."]},"sort":[24.783854,"4761328"]},{"_index":"complaint-public-v1","_id":"4761427","_score":24.510174,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PNC BANK , NATIONAL ASSOCIATION - XXXX did not return recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfpb complaint # XXXX. PNC BANK , NATIONAL ASSOCIATION - XXXX stated that there are no funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX system of internal controls did not effectively identify or address the XXXX  related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. PNC BANK , NATIONAL ASSOCIATION - XXXX management was ineffective in overseeing PNC BANK , NATIONAL ASSOCIATION - XXXX day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX XXXX-related deficiencies demonstrate that PNC BANK , NATIONAL ASSOCIATION XXXX XXXX compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. PNC BANK , NATIONAL ASSOCIATION - XXXX did not detect or investigate suspicious activities to determine whether SAR filings were appropriate. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, PNC BANK , NATIONAL ASSOCIATION - XXXX failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to know their customer 's financial affairs in terms of source of income. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. PNC BANK , NATIONAL ASSOCIATION - XXXX did not collect or maintain sufficient information about its banking customers. \nIn conclusion, PNC BANK , NATIONAL ASSOCIATION - XXXX engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \n\nPNC BANK , NATIONAL ASSOCIATION - XXXX responded to XXXX handling the recall of my funds that there are no funds available in the account from {$60000.00} wired out of my XXXX account into PNC BANK , NATIONAL ASSOCIATION - XXXX, account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, DE XXXX.","date_sent_to_company":"2021-09-28T21:56:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-09-28T21:51:32.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC <em>compliance</em> program requirements and <em>knowing</em> their <em>customer</em> 's <em>financial</em> <em>affairs</em>."]},"sort":[24.510174,"4761427"]},{"_index":"complaint-public-v1","_id":"9790743","_score":11.952807,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, GA XXXX XX/XX/XXXX, XXXXXXXX XXXXCitibank Customer Service Department XXXX Citibank Address XXXX XXXX XXXXSubject : Urgent Request for Resolution Regarding Account # XXXX Dear Citibank Customer Service Team , I am writing to express my deep concern and frustration regarding the handling of my account ( # XXXX ) with Citibank. On XX/XX/year>, I encountered a series of distressing events that have left me without access to my funds, despite my compliance and cooperation with your verification processes. This letter serves as a formal dispute and a request for immediate resolution of the issues detailed below. \n\nXXXX XXXX XXXX  Background and Timeline of Events On the XXXX  of XX/XX/year>, I initiated a routine transaction from my Citibank account. At approximately XXXXXXXX XXXX., this transaction was unexpectedly declined. Initially, I assumed it was a minor technical issue and attempted the transaction again. However, by XXXX XXXX., I realized that the situation was far more severe, as Citibank had initiated what appears to be a complete account takeover, restricting my access to all deposited funds. \n\nThis situation is not only inconvenient but has also caused significant stress and anxiety. The funds in question are essential for my day-to-day living expenses, and the sudden inability to access them has put me in a difficult position. \n\nXXXX XXXX XXXX  My Attempts to Resolve the Issue Immediately after discovering the issue, I contacted Citibank 's customer service department to report the problem and seek assistance in regaining access to my account. During these interactions, I provided all requested information to verify my identity, including but not limited to : - My full name and date of birth - Social Security number - Address and contact information - Details of recent transactions and deposits Despite these efforts, I was informed by your representatives that my account could not be unlocked because the phone number I used to open the account, which is also the number associated with me, was allegedly not part of my public records. This reasoning is both confusing and frustrating, as the phone number in question has been consistently linked to my Citibank account since its inception. \n\n# # # Citibanks Unjustified Actions and Their Impact The decision to deny me access to my funds based on such a technicality is not only unwarranted but also goes against the principles of fairness and customer care that Citibank purports to uphold. The impact of this situation on my life has been profound : XXXX. **Financial Hardship : ** The restricted access to my funds has caused immediate financial hardship, preventing me from meeting my basic living expenses, including rent, utilities, and groceries. \n\nXXXX. **Emotional Distress : ** The stress and anxiety caused by this situation have taken a significant toll on my mental health. The uncertainty of not knowing when or if I will regain access to my funds has been overwhelming. \n\nXXXX. **Reputational Damage : ** The unjustified restriction of my account has caused reputational damage, as I have had to explain to various creditors and service providers why payments have not been made on time. \n\nXXXX XXXX XXXX Citibanks Duty to Its Customers As a long-standing customer of Citibank, XXXX have always trusted your institution to manage my financial affairs with the utmost professionalism and integrity. It is deeply disappointing to see this trust compromised by the actions taken against my account. Citibank has a duty to its customers to provide access to their funds and to resolve any issues in a timely and fair manner. \n\nThe actions taken by Citibank in this instance appear to be a gross violation of this duty. By restricting my access to my account without a valid reason and refusing to use verified contact information to resolve the issue, Citibank has failed to uphold the standards of customer service and care that I have come to expect. \n\nXXXX XXXX XXXX Legal and Regulatory Considerations In addition to the above concerns, I would like to highlight the potential legal and regulatory implications of Citibanks actions. As you are aware, financial institutions are subject to strict regulations governing the management of customer accounts and the handling of disputes. These regulations are designed to protect consumers from unfair and deceptive practices and to ensure that their rights are respected.\n\nBy denying me access to my funds without proper justification, Citibank may be in violation of several key regulations, including but not limited to : - **The Electronic Fund Transfer Act ( EFTA ) : ** This act protects consumers who use electronic methods to manage their finances. Restricting my access to electronically deposited funds without providing a valid reason may constitute a violation of the EFTA.\n\n- **The Fair Credit Reporting Act ( FCRA ) : ** If Citibank 's actions have resulted in negative information being reported to credit bureaus, this may constitute a violation of the FCRA .\n\n- **The Consumer Financial Protection Bureau ( CFPB ) Regulations : ** The CFPB oversees the fair treatment of consumers by financial institutions. Citibank 's refusal to use verified contact information and its unjustified restriction of my account may be grounds for a CFPB complaint and investigation. XXXX XXXX XXXX Request for Immediate Action Given the severity of this situation, I request that Citibank take immediate action to resolve this issue and restore my access to my account. Specifically, I am requesting the following : 1. **Immediate Release of Funds : ** The funds in my account must be made available to me without further delay. These funds are essential for my daily living expenses and should not be withheld.\n\n2. **Account Restoration : ** I request that my account be fully restored, including access to all associated services and features. Any restrictions placed on my account should be lifted immediately. \n\nXXXX. **Written Explanation : ** I request a written explanation from Citibank detailing the reasons for the account takeover and the actions that have been taken to resolve the issue. This explanation should include an acknowledgment of any errors or oversights made by Citibank during the handling of this matter. \n\nXXXX. **Compensation for Damages : ** Given the financial hardship and emotional distress caused by this situation, I request that Citibank consider providing compensation for the damages I have suffered as a result of its actions. \n\nXXXX XXXX XXXX Conclusion This situation has caused me significant hardship, and I am seeking a prompt and fair resolution. I trust that Citibank will take the necessary steps to address my concerns and restore my confidence in your institution. I would appreciate a response within the next XXXX business days, outlining the actions that will be taken to resolve","date_sent_to_company":"2024-08-09T13:02:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"31907","tags":"Servicemember","has_narrative":true,"complaint_id":"9790743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-09T12:42:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Citibanks Duty to Its <em>Customers</em> As a long-standing <em>customer</em> of Citibank, XXXX have always trusted your institution to manage my <em>financial</em> <em>affairs</em> with the utmost professionalism and integrity. It is deeply disappointing to see this trust compromised by the actions taken against my account. Citibank has a duty to its <em>customers</em> to provide access to their funds and to resolve any issues in a timely and fair manner."]},"sort":[11.952807,"9790743"]},{"_index":"complaint-public-v1","_id":"10291894","_score":8.088888,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this letter due to receiving my Early Warning report from Early Warning Services ( hereinafter EWS ). The companys very existence goes against every Privacy law that is on the books as they are tracking and reporting your daily banking account balance. I have never signed a contract with EWS nor done any direct business with them besides requesting the report. Firstly, Id like to verify their written consent by me the consumer to collect this information, and secondly then provide/sell the information to any affiliates. Thirdly, Id like to evaluate their assumed authority to maintain these types of records. Any and all written, unwritten, verbal and non-verbal consent they have assumed they had has now and will ALWAYS be revoked until time immemorial. \nThe following is directly from EWSs prospectus. GLBA stands for the Gramm Leach Bliley Act.\n\nGLBA. To the extent that any information obtained by the Receiving Party is nonpublic personal information about consumers or customers as such terms are defined in GLBA and in regulations issued thereunder ( collectively, Consumer Data ), then in addition to the obligations of the Receiving Party under this Section 7, the Receiving Party agrees that it will not disclose or use such Consumer Data provided to it by the Disclosing Party under this Agreement other than to carry out the purpose of this Agreement or in any manner prohibited by the GLBA or the regulations issued thereunder. The Receiving Party further covenants and agrees to maintain appropriate measures designed to meet the objectives of the applicable guidelines establishing information security standards as adopted by any federal regulatory agencies having jurisdiction over Receiving Partys affairs. These measures include appropriate disposal of Consumer Data, as required, and taking appropriate actions to address incidents of unauthorized access to sensitive Consumer Data, including notification to the other Party as soon as possible of any such incident. Without limiting the foregoing, each Party represents and warrants that its information security program is designed to : ( i ) ensure the security and confidentiality of Consumer Data ; ( ii ) protect against any anticipated threats or hazards to the security or integrity of such data ; and ( iii ) protect against unauthorized access to or use of such data that could result in substantial harm or inconvenience to any consumer.\n\n7.8 Security Breach. In the event of a breach in security resulting in actual or suspected loss of or unauthorized access to any Customer Data, the breached Party shall : ( a ) immediately notify the other Party of the breach both orally and in writing ; ( b ) promptly conduct a forensics examination to determine to what extent such information was compromised ; ( c ) promptly provide to the other Party, in writing, details concerning the breach, including ( i ) nature and impact of the breach, ( ii ) assessment of immediate risk due to the breach, ( iii ) corrective actions already taken, and ( iv ) corrective actions to be taken ; ( d ) promptly cooperate with the other PartXXXX and any affected consumers, regulators and law enforcement to assist in regaining possession of the information and prevent its further unauthorized use and to notify affected consumers if required by applicable laws ; ( XXXX ) promptly take the corrective actions identified in ( iv ) above ; and ( f ) promptly take measures to restore and enhance its security policies and procedures to avoid further breaches. \nThe problem is that EWS having any banking information is a Breach of not only my own security, but the public in an of itself. \n\n1. Unauthorized Reporting of Nonpublic Personal Information According to 16 CFR 313.3 ( 1 ), nonpublic personal information includes personally identifiable financial information, as well as any consumer information derived from it. XXXX has been specifically asked to remove all loans and financial data from my credit report due to the lack of written consent, yet this information remains on record. This failure to remove the information constitutes knowing and willful misconduct, with the intent to cause continuous harm. Their ongoing actions violate my rights under privacy regulations. \nXXXX. Violation of the Gramm-Leach-Bliley Act ( GLBA ) EWSs actions violate the Gramm-Leach-Bliley Act by disseminating nonpublic personal information ( NPI ) without my explicit consent. Under XXXX USC 6821 ( b ), sharing this type of data without providing the necessary opt-out notices constitutes a violation of privacy regulations. Nonpublic personal information includes : Names Addresses Phone numbers Social Security numbers Income Credit score Account numbers Payment history Loan or deposit balances Credit or debit card purchases I demand the immediate cessation of these unauthorized practices and require the correction of all unauthorized information sharing.\n\nViolation of Consumer Rights : The Credit Bureaus appear to exploit consumer data without proper consent or transparency, which contradicts their legal obligations under 15 USC 1681. Specifically : Consumer Report Accuracy : Under 15 USC 1681 ( d ), a consumer report must accurately reflect a consumer 's creditworthiness, credit standing, and other personal characteristics used to determine eligibility for credit or insurance. However, EWS frequently provides a peak into your bank accounts affecting consumers ' financial lives adversely.\n\nDisclosure and Consent : According to 5 USC 552a ( 8 ) ( a ) ( B ) ( ii ), matching programs must not use data to make decisions about individuals ' rights, benefits, or privileges EWS provides accurate and verified banking information so that their affiliates can make adverse decisions about consumers ' credit which is a direct violation of this regulation. What else would EWS collect and maintain this information for?\n\nPenalties for Non-Compliance : Both 15 USC 1681m ( a ) ( b ) and 5 USC 552a ( i ) ( 1 ) outline penalties for willfully disclosing or maintaining records without proper consent. Given the practices of the Credit Bureaus, including unauthorized data sharing and lack of transparency, they appear to be in violation of these provisions.\n\nConsumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors. Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exceptions to this definition that enable persons to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations.\n\nI have a question for the CFPB. How do you opt out of a company if you are unaware of its existence?\n\nPer 15 USC 1681 604 ( a ) ( 2 ) : \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates Again, EWSs prospectus states the following : WHEREAS, Early Warning offers a suite of services to help prevent fraud, reduce losses, and protect consumers, including without limitation the Alert Services ( as defined below ) ( EWS Services ) ; WHEREAS, Service Provider provides consumer identity protection and credit monitoring services to help protect consumers ; Nowhere does it state it offers your banking information to their affiliates. Wouldnt that make EWS a consumer reporting agency of maintaining records full of unlawful information for their affiliates? What would constitute the Security Exchange Commission becoming involved in the malicious actions of EWS? The fact that their prospectus exists means they are very much aware of the Privacy Act laws but disregarded them anyway.\n\nNoncompliance with 5 USC 552a ( e ) : According to 5 USC 552a ( e ), agencies maintaining records must : Maintain only relevant and necessary information about individuals.\n\nPublish notices in the Federal Register detailing the system of records, including the categories of records and routine uses.\n\nEnsure records used in decision-making are accurate, timely, and complete.\n\nCan someone please point me to the section where your daily account balance being reported is not an invasion of privacy? Especially if you have never done any business or signed contracts with them?\n\nRequests for Immediate Action : Cease Unauthorized Reporting : EWS must immediately halt the reporting of any nonpublic personal information or personally identifiable financial information without explicit written consent from the affected consumers. I require assurance that my banking information has been deleted from their files. EWS having maintaining the daily account balances of consumers shows they are willfully and knowingly causing harm with the intent to sell/furnish it to their affiliates who also should not have the record. How does a so called credit monitoring company have banking information? This is a huge violation of privacy and they need to be held accountable.\n\nPlease address these issues promptly to ensure compliance with federal privacy regulations and protect consumer rights. Failure to rectify these violations will compel me to explore further legal avenues to ensure my rights and those of other consumers are upheld.","date_sent_to_company":"2024-10-01T00:53:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"10291894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-10-01T00:43:31.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Receiving Party further covenants and agrees to maintain appropriate measures designed to meet the objectives of the applicable guidelines establishing information security standards as adopted by any federal regulatory agencies having jurisdiction over Receiving Partys <em>affairs</em>."]},"sort":[8.088888,"10291894"]},{"_index":"complaint-public-v1","_id":"2931982","_score":7.342998,"_source":{"product":"Debt collection","complaint_what_happened":"In the past, I had \" parked '' a domain name with XXXX XXXX XXXX XXXX XXXX. I never ever had a hosting plan with them. I paid them for the domain, however, they fraudulently charged my XXXX XXXX Credit Card, twice, once in XX/XX/XXXX and again in XX/XX/XXXX. XXXX XXXX XXXX XXXX  DID credit back those charges. One for {$95.00} and the other for {$95.00}. XXXX XXXX XXXX originally charged me {$110.00} on XX/XX/XXXX, but credited me {$95.00}, leaving {$15.00} to pay for the Domain Name being \" parked '' with them. XXXX XXXX, my XXXX Card Co. said that XXXX XXXX XXXX never again disputed those charges after 90+ days and said XXXX XXXX XXXX   refunded the two fraudulent charges back on my card. Now XXXX XXXX XXXX wants to collect this money again, which XXXX XXXX said is illegal. XXXX XXXX XXXX  has sent me to a collection agency to try and collect {$130.00} which I don't owe, NOR DID I EVER OWE. I finally had to SHUT DOWN my XXXX Credit Card on the advice of XXXX XXXX since XXXX XXXX XXXX is a fraudulent company!\n\nXXXX XXXX XXXX threatened me by stating that \" they wouldn't STOP using my credit card unless I provided them my DRIVER '' S LICENSE, ( a picture ), MY SOCIAL SECURITY NO. ( a picture ), and my XXXX XXXX CREDIT CARD, ( PICTURE, BOTH SIDES. ) I refused due to identity theft. Wells Fargo said the dispute was over and XXXX XXXX XXXX   after crediting me for those two fraudulent charges, never refuted those charges and are now trying to destroy me and my credit.\n\nWHAT THIS FRAUDULENT COMPANY IS SAYING IS THAT THEY CREDITED ME TWICE FOR THE SAME XX/XX/XXXXCHARGE, WHICH IS FALSE, JUST CHECK WITH XXXX XXXX. TWICE, I CANCELLED ( 2 ) FRAUDULENT HOSTING CHARGES AND THE FIRST TIME WAS ON XX/XX/XXXX AND THAT IS WHY THERE ARE TWO CHARGE BACKS. XXXX XXXX MADE IT PERFECTLY CLEAR TO XXXX XXXX XXXX   that THERE WERE TWO CHARGE BACKS because of TWO FRAUDULENT CHARGES! XXXX XXXX gave XXXX XXXX XXXX  NINETY TO ONE-HUNDRED & TWENTY DAYS IN WHICH TO DISPUTE THE CHARGE-BACKS, and XXXX XXXX XXXX   Company NEVER DID DISPUTE THOSE CHARGES! If you need proof from XXXX XXXX, I definitely will provide it to you via a letter or whatever communication you need!\n\nSEE BELOW : HERE IS THE EMAIL I SENT TO XXXX ( CUSTOMER SERVICE ) TO EXPLAIN EVERYTHING! I SENT IT AT LEAST 10 TIMES TO NO AVAILABLE! They keep discussing the XX/XX/XXXX charge, but NEVER MENTION THE CHARGEBACK FOR THE FRAUDULENT XX/XX/XXXX CHARGE!. THEY OFFER NO INVOICES, NOR PROOF BECAUSE THIS FRAUDULENT COMPANY HAS NONE!! SEE EMAIL BELOW SENT TO XXXX XXXX : XXXX  : Let me make this perfectly clear to you. You have NO PROOF NOR RECORDS attached to your note and you have continuously committed fraud upon me, double charging me, creating a hosting plan I never had, and after I called and very clearly reported the mistake, demanding a correction and cancellation of the XX/XX/XXXX alleged hosting plan I never had to begin with, and very precisely and clearly warning you to STOP USING my CREDIT CARD without my consent, which is fraud, and clearly warning you to REVERSE THE XX/XX/XXXX fraudulent charge, you failed to do so!. You know darn well the facts that there was NO HOSTING plan, I never HOSTED nor had a live site with you. You also know that you fraudulently used my card, again, in XX/XX/XXXX for a fraudulent Hosting Plan you created that I never had. I called many TIMES TO force you to remove those charges to no avail! I CLEARLY WARNED YOU THAT I WOULD TAKE LEGAL ACTION AGAINST YOU FOR FRAUDULENTLY USING MY CARD, which you did TWICE, and then continued the unauthorized use of it!!. Not ONLY that, you attempted to use it FOUR MORE TIMES, when in fact I warned my Credit Card Company and they reported your illegal behavior to THEIR FRAUD DIVISION, and then took action by BLOCKING YOU FROM USING IT FURTHER!! Since you kept trying and trying and trying against my will and the credit card company 's warning to stop this felonious practice, the FRAUD DIVISION of the BANK took action by telling me to immediately CLOSE THE CARD DOWN FOR MY PROTECTION NOW AND FOR THE FUTURE.\n\nI must have called your company at least 50 or more times for YOU TO STOP USING MY CREDIT CARD AGAINST MY WILL. YOU REFUSED TO DO SO, forcing me to CANCEL THAT CARD. I then reported you to XXXX, and then you voluntarily realized you were in violation of many federal and state felony and civil laws, under the Penal Code, so you then decided to work with my CREDIT CARD COMPANY to reverse those fraudulent charges that only YOU CREATED. You had months on end in which to dispute those unfounded and fraudulent charges with the CREDIT CARD COMPANY, however, knowing you were in trouble with XXXX and WITH CONSUMER BUREAUS, AND WITH FINANCIAL Institutions, you reversed those unscrupulous, illegal, unfounded, and fraudulent charges that YOU CREATED. Now, you are attempting to \" shake me down '', just like a mafia thug would do to an individual, illegally, in order to extort money, fraudulently. Let me forewarn you! Your actions are CRIMINAL, AGAINST THE PENAL CODES, AGAINST XXXX, and MANY OTHER POLICE AGENCIES that monitor illegal behavior, here in the USA, and this could amount to violations and a lawsuit initialed by not only me, but by FEDERAL AND STATE AGENCIES, such as the FBI, Consumer Bureaus, and other CRIMINAL ENFORCEMENT AGENCIES, such as the Federal Trade Commission, and many others. Your Company, which I understand is in XXXX, may lose privilege to do business in the USA!!\n\nI am now taking this to much HIGHER AUTHORITIES AND WILL INITIATATE LEGAL ACTION AGAINST YOU FOR PUNATIVE DAMAGES, INTENTIONAL INFLICTION OF EMOTION DISTRESS, VIOLATION OF CREDIT CARD FRUAD & DISPUTE LAWS AND FINANCIAL LAWS, INTERFERENCE WITH A CONTRACTUAL RELATIONSHIP ( by holding onto my Domain Name and not allowing it to transfer, until I contacted XXXX ), and MANY OTHER FEDERAL AND STATE LAWS, statutes, and codes.\n\nAs I previously mentioned, members of your staff also tried to hold my Domain Name HOSTAGE and I had to again go to XXXX in order to get it transferred away from you. Also, I have an email from XXXX XXXX XXXX  which states that you will not stop using my card unless I provide you PICTURES, front and back of my DRIVER 'S LICENSE, PICTURES, front and back of my CREDIT CARD, and a PICTURE of my Social Security Card. Sorry, but I don't WANT TO TRIGGER ANY IDENTITY THEFT and don't provide pictures of this personal nature to ANYONE, especially YOUR COMPANY. My state laws protect our residents against any IDENTITY THEFT, so legally, in order for you to STOP USING MY CARD INDISCRETIONATELY, I HAD TO TAKE DRASTIC ACTION AND SHUT IT DOWN!\n\nI know you're a XXXX   COMPANY, with a regional OFFICE in XXXX  however, I'm in the USA, in XXXX and we have extremely strict laws that protect consumers. If you do not follow these XXXX  LAWS AND COMIT BOTH FELONIES AND MISDEMEANORS, YOU SHOULD IMMEDIATELY STOP DOING BUSINESS HERE IN XXXX. and in the USA, because action will be taken against you by our governmental compliance agencies.\n\nI am not now, nor will I ignore your communications, however, I will not be a victim, nor surrender to your extortion, threatening tactics and lies! From this point on, I will be directing all my letters of communication to XXXX and MANY GOVERNMENTAL AGENCIES, BOTH THAT REGULATE COMPLIANCE VIA THE PENAL CODE AND VIA CIVIL LAWS, ( FEDERAL AD STATE ), here in the USA.\n\nAs I contact each one of those organizations and governmental compliance agencies, you will receive a \" COPY '' of correspondence sent. I'm sure you'll be hearing from them real soon. I will not be threatened anymore, nor a victim of mafia or thug tactics. XXXX XXXX I'd also appreciate if CFPB would take a look at the link below from Consumer Affairs, here in the US, and you'll see 84 of the same type of complaints against XXXX XXXX XXXX  for fraudulent charging and then sending people to collection agencies and acting like mafia thugs. But in MY CASE they have the nerve to credit back my credit card and then act like mafia thugs, threatening to ruin my credit and attempting to shake me down for money, that was NEVER OWED TO THEM!!\n\nThe Collection Agency they are using is : XXXX XXXX XXXX in XXXX. Phone number is:XXXX. Can you believe that XXXX XXXX XXXX, the fraud company, also tacked on late charges of {$30.00}. Are they kidding or what? THEY NEED TO BE SHUT DOWN immediately, and OUT OF THE USA!!\n\nI thank you in advance for your help! XXXX XXXX XXXX ( SEE LINK W/COMPLAINTS ) XXXX XXXX XXXX","date_sent_to_company":"2018-06-10T23:51:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"2931982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2018-06-10T22:46:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You had months on end in which to dispute those unfounded and fraudulent charges with the CREDIT CARD COMPANY, however, <em>knowing</em> you were in trouble with XXXX and WITH CONSUMER BUREAUS, AND WITH <em>FINANCIAL</em> Institutions, you reversed those unscrupulous, illegal, unfounded, and fraudulent charges that YOU CREATED. Now, you are attempting to \" shake me down '', just like a mafia thug would do to an individual, illegally, in order to extort money, fraudulently. Let me forewarn you!"]},"sort":[7.342998,"2931982"]},{"_index":"complaint-public-v1","_id":"3627121","_score":7.2878284,"_source":{"product":"Mortgage","complaint_what_happened":"I began the refinance process with XXXX XXXX  at Regions Bank on XX/XX/XXXX. On that day I received a Loan Estimate that reflected an estimated property value of $ XXXX with a loan amount of $ XXXX. On XX/XX/XXXX, I received the appraisal back from Regions Bank which reflected the value of my home at {$320000.00}. I knew this was an issue so I immediately called XXXX to find out how we can move forward and to get a new loan estimate/disclosure. I was finally able to reach XXXX on XX/XX/XXXX and he acknowledged that there was a problem, but he would get back to me soon. After I did not hear anything from XXXX I followed up with an email to my Mortgage Processor, XXXX XXXX, on XX/XX/XXXX and asked if the information in the Regions Portal is correct in regards to the loan amount and PMI. ( The loan amount had been changed from $ XXXX to {$310000.00} and the PMI had also increased. ) After not hearing from XXXX or XXXX, I followed up with an email to my Mortgage Loan Coordinator, XXXX XXXX on XX/XX/XXXX asking her the same question that I asked XXXX and XXXX. Later that afternoon I received an email back from XXXX XXXX that stated XXXX would be contacting you. I proceeded to call XXXX that afternoon twice and I never received an answer. Since XXXX was not responding to me, I had my wife contact XXXX on XX/XX/XXXX. XXXX answered the call and said that the loan could not go through because of the appraisal and that there were no other options. My wife asked XXXX for a new disclosure and that it was possible that we may bring the money to closing. After not receiving any estimate or disclosure from XXXX, my wife reached out to XXXX again on XX/XX/XXXX and left a voicemail. XXXX  later that afternoon sent an email with an updated estimated cost sheet. Note : The top of the estimated cost sheet says the following : Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. I called XXXX after receiving his estimate and asked if it was official on what I owe and XXXX responded with no. XXXX suggested seeing if my realtor could find any comparable that we could send to the appraiser to see if he could get the value increased for our home. On XX/XX/XXXX I sent XXXX  the comparable my realtor found that may boost the appraised value. On XX/XX/XXXX I received an email from XXXX that said the additional comp didnt help and would I like to proceed and bring the additional money needed to closing? I responded with I would need to know how much is needed at closing and what the actual amount of PMI would be each month. On XX/XX/XXXX I emailed XXXX, XXXX, and XXXX a new payoff for my home. Later that afternoon, I received an email from XXXX that stated, Hello XXXX, Thank you for sending the updated payoff. After running the numbers you will need approximately {$10000.00} to closing and your PMI will be roughly $ XXXX/month. If you do want to proceed I will need the 401k please. Please call me with any questions. ( I had mentioned to XXXX  I MAY want to use my 401k for the difference in loan value. ) I responded to XXXX with an email that asked if he had anything to reflect that and why is my PMI so high? I am currently paying {$77.00}??? XXXX  responded with, Im not sure about the PMI, that is what the quote came back at. I responded with the following : Again I believe until we get some concrete information on amount due at closing and what the PMI will be, a decision cant be made. For some reason, this process seems to be taking a long time. 401k has already been uploaded under the original request for documents. The down payment will come from our XXXX XXXX accounts. You have documentation on all four accounts and their balances with more than enough funds to cover the amount due. XXXX responded with the following : Please call me XXXX. Thanks. XXXX called at XXXX XXXX  and stated the following from the few notes that I took : There is a RESPA issue with your loan and several compliance issues that I am attempting to get taken care of. \nYou really dont want to come to closing with this much money due. It just doesnt make sense. \nXXXX stated that I received an incredible deal on my PMI with XXXX XXXX  and it doesnt make sense to refinance and see that go up. XXXX said there is no way my PMI should be that low and that obviously XXXX XXXX  has the ability to give really low PMI to their customers. \nPlease let me know how you would like to proceed ASAP as I have to let my Compliance Department know. If you want to proceed I ( meaning XXXX ) will need proof that you have the funds for closing. \nI stated to XXXX that I would like to talk to XXXX, but without any type of disclosure reflecting what is due and knowing what the PMI will be, I am unable to make this decision. Right after the phone call with XXXX, I send an email to XXXX, XXXX, and XXXX saying the following : All-Please provide a Closing Disclosure ASAP. If this is not able to be provided, please let me know why. On XX/XX/XXXX, I called XXXX at XXXX XXXX. My first question for XXXX was that it appears overnight my loan was closed out, why did you close my loan? XXXX stated he had nothing to do with it and that was compliance. XXXX then asked if I wanted it reopened and I said yes. XXXX  stated I cant believe you want to bring this much money to the table. I responded with until I get verification of the amount due at closing and what the PMI will be, I cant make this decision and I would like it to be reopened. XXXX stated he would speak with XXXX and get it reopened and he would provide me an update early afternoon. XXXX had me send an email at XXXX XXXX  to XXXX, XXXX, and XXXX : XXXX-All XXXX XXXX XXXX statements for XXXX were uploaded last night for the money needed at closing. Please let me know what else is needed for this loan to close next week. \nFrom the phone conversation yesterday with XXXX and knowing our loan was closed out and we were not told, this really bothered me. This whole process has been nothing but a debacle and with the amount of pressure of XXXX  putting on that I did not want to go through with this, my gut was telling me something was wrong and/or messed up by Regions Bank XXXX I reached out to a friend of mine in the upstate who is the Compliance Officer for a bank in the upstate. He advised that I send the following to XXXX, XXXX, and XXXX : XXXX, I am not sure I understand what the problems are that have caused my loan to have been force closed in your system by Compliance yesterday evening. On XX/XX/XXXX you sent me a Loan Estimate showing the good faith loan closing costs estimates. Following my appraisal, which I received a copy from you on XX/XX/XXXX, we didnt speak about any issues with the loan until XX/XX/XXXX. From when Regions Bank accepted the appraisal, I did not receive an updated Loan Estimate showing any change in circumstances. I thought that 12 CFR 1026.19 required an updated Loan Estimate within 3 days, or that Regulation B would require an adverse action notice that you were denying the loan. In regards to my loan, I have received neither and I feel that the loan needs to get back on track as you have legally disclosed it to me. I know that you sent me an updated loan cost estimate on XX/XX/XXXX, which does not purport to comply with applicable law or regulation and does not meet the TRID/Know Before You Owe rules for Loan Estimates. I need this loan to close as soon as possible, with lender credits to cure for any tolerance violations as required by TRID/Know Before You Owe regulation. I am prepared to push this as much as I need to protect my rights in this situation. I am not trying to get more than what I am entitled to under applicable law and regulation, but I dont want to be mislead because of an error at Regions Bank for which I am not responsible. Thank you, XXXX & XXXX XXXX This letter was emailed to XXXX, XXXX, XXXX and my wife XXXX  at XXXX XXXX  with a subject line of XXXX Letter of Intention. I received an email back from XXXX : I have reran your loan through the automated underwriting system and your file is back to Approve Eligible. I will need ( 2 ) two months of assets statements. Please send me the XXXX XXXX XXXX accounts. I responded with : See attached. This would have also been uploaded in the portal back on XX/XX/XXXX. XXXX responded with : Received XXXX. Thank you! After not receiving any updates I sent the following email at XXXX XXXX  : Any idea on where we stand? Any update on the compliance issues? I received the following from XXXX : Your loan is back in processing. On XX/XX/XXXX, I spoke to XXXX to get an update at XXXX XXXX. XXXX stated nothing new. Multiple people are out due to the virus and tomorrow being XXXX XXXX  he is not expecting to hear anything at all. XXXX will try to get back to me in the morning. \nAs of XX/XX/XXXX, I have received ZERO updates since the last email and no update as promised from XXXX. The loan does appear back in my online portal. No new disclosures have been sent since the first initial disclosure back on XX/XX/XXXX. I still have not received an explanation on the PMI. The estimated loan closing is XX/XX/XXXX. \nOn XX/XX/XXXX, after not hearing from XXXX, XXXX, or XXXX since XX/XX/XXXX, I sent an email to XXXX at XXXX XXXX  : XXXX, 1 ) Any update? Tomorrow it will be a week since the loan went back in for processing. 2 ) Any update on the compliance issues and how that will be handled? Thanks, XXXX XXXX XXXX replied with the following : Loan was returned from the Compliance dept last week. It is in Processing status. Need mortgage insurance certificate back. Once loan is Approved to Close, XXXX will confirm close date with you. I replied to XXXX with the following : What was the end result with Compliance? Mortgage Insurance certificate attached along with a paid receipt for the Homeowners Insurance. Any idea on when potential closing will be? After not hearing anything on my last email, I sent the following email to XXXX, XXXX, and XXXX on XX/XX/XXXX : Any update on our refinance? I never received a response on the email below XXXX XXXX Since we have not heard anything and our closing has already gone past the XX/XX/XXXX projected date, I had my wife, XXXX, call XXXX on XX/XX/XXXX to find out what was going on. XXXX called and it went straight to voicemail. XXXX left him a voicemail to please call her back. XXXX immediately called XXXX back and stated he thinks he has everything that is needed, but they are very short staffed at the moment. XXXX stated he would check to see that the underwriter and processor has everything that they need. XXXX stated the goal is to close by the end of the month. XXXX asked for a disclosure statement again since we still have not received one. XXXX stated he would call back with an update and that right now it is taking two business days to get any response back from underwriting. The Initial Closing Disclosure was emailed by Regions that same afternoon at XXXX XXXX. We never received a phone call or any follow up from XXXX. I spoke to XXXX on the phone at XXXXXXXX  XXXX   after I had received the Initial Closing Disclosure. I asked XXXX why I am agreeing to the Initial Closing Disclosure when it does not match my Loan Estimate. The Initial Closing Disclosure has a section where it states what the Loan Estimate stated versus what the Initial Closing Disclosure states. XXXX became very agitated with me on the phone and stated he could try to find the disclosure but that I knew that it was going to be more due to my appraisal. I asked if he had a copy of it as this is something that I have not seen. XXXX stated that it is somewhere. I then asked XXXX if this was compliant or against Consumer Financial Protection Bureau XXXX. XXXX then accused me that I was going after him because my appraisal came in less than what was projected and that I simply wanted Regions to pay for the difference and that was not going to happen. XXXX then continued by yelling three times, Are you threatening me? I stated to XXXX that no, I am not threatening him, I am just trying to understand why I was never given a different loan estimate that reflected what was shown on the Initial Closing Disclosure and I am trying to figure out what is going on. XXXX made the suggestion that he requests that I withdraw the loan or that he would cancel the loan immediately. I stated I have no interest in the loan being cancelled as this is a great rate and would put my family in a better financial position. So far this loan is back on track with closing expected on XX/XX/XXXX. I still dont understand why a new loan estimate was never given to me by Regions Bank. Per XXXX, a different loan estimate exists from the one that I originally received, but for some reason I am not privy to the new loan estimate. The questions that I have on why my PMI is higher than what my previous loan have still not been answered. \nI have typed out a timeline of events that will take you from XX/XX/XXXX to XX/XX/XXXX in regards to the number of emails and conversations that I had with the representatives of Regions Bank. We first asked for a new estimate/disclosure on XX/XX/XXXX and it has taken until XX/XX/XXXX to receive anything from Regions Bank and that was in the form of an Initial Closing Disclosure. \nI went to closing on XX/XX/XXXX and spoke with our closing attorney, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX about the issues that we were having with the loan. XXXX was extremely concerned about the way my wife and I were treated through the process and he suggested we proceed with the refinance at this time with the rate being so low. For the refinance to proceed and Regions Bank to fund the refinance, we made the decision to sign all documents saying that our loan estimate matches our closing statement even though we all knew this was false. My fear again was XXXX had already tried twice to cancel this loan and if we did not sign the document, my thought was that XXXX and Regions Bank would not fund our refinance. XXXX also suggested that once the loan is closed and funded, we should move forward with submitting a complaint with South Carolina Department of Consumer Affairs and Consumer Financial Protection Bureau.","date_sent_to_company":"2020-04-28T19:49:14.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"29072","tags":null,"has_narrative":true,"complaint_id":"3627121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2020-04-28T19:14:50.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX also suggested that once the loan is closed and funded, we should move forward with submitting a complaint with South Carolina Department of Consumer <em>Affairs</em> and Consumer <em>Financial</em> Protection Bureau."],"company":["REGIONS <em>FINANCIAL</em> CORPORATION"]},"sort":[7.2878284,"3627121"]},{"_index":"complaint-public-v1","_id":"7383815","_score":6.347504,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"United Auto Credit Corp subsidiary of parent company XXXX XXXX ( parent company ) of who is also referred to as United Auto Credit Corporation ( UACC ) that was integrated with and now considered a lending company operation for XXXX XXXX XXXX XXXX is owner of United Auto Credit Corporation per their XXXX annual report pursuant to section 13 or 15d of the Securities and Exchange Act of 1934 for the fiscal year that ended XX/XX/XXXX. Their Commission file number : XXXX is. XXXX XXXX subsidiary company referenced in the XXXX annual reporting as ( UACC ) United Auto Credit Corporation have not been in compliance with the agreement they signed with the United States Security And Exchange Commission. Pursuant to section 13 or 15 ( b ) the Securities Exchange Act of 1934.This also includes their disregard to Rule 405 of the Securities Act, and implemented by the Sarbanes-Oxley Act of XXXX ( 15 U.S.C. 7262 ( b ). Per your agreement as amended ( the \" Sarbanes Oxley-Act '' ), the XXXX XXXX Reform and Consumer Protection Act of XXXX ( the Dodd-Frank Act ), the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX rules and standards. All which imposes additional reporting and other obligations in reference to XXXX XXXX and subsidiaries as a public company. Because your company agreed to comply with government regulations and your company XXXX XXXX ( UACC ) United Auto Credit Corporation are subject to extensive U.S. federal, state and local laws and regulation. This also includes protection laws, including prohibitions against unfair or deceptive acts or practices. The federal governmental agencies that regulate your company/ business and has the authority to enforce such statutes and laws against you including agencies such as the U.S. Federal Trade Commission , the U.S. Department of Transportation XXXX the U.S. Occupational Health and Safety Administration , the U.S. Department of Justice and the U.S. Federal Communications Commission XXXX Additionally, XXXX XXXX and subsidiary ( UACC ) are subject to such statutes by individual state dealers licensing authorities, state consumer protection agencies and state financial regulatory agencies. In addition, ( UACC ) are subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ) and state consumer protection agencies, including state attorney general offices and state financial regulatory agencies. Failure to comply with federal, state and local laws and regulations relating to privacy, data protection and consumer protection, or the expansion of current or the enactment of new laws or regulations relating to privacy, data protection and consumer protection. Failure to protect such information could harm your reputation and could adversely affect your company including subsidiaries that fall under your business, financial condition and results of operations. XXXX XXXX parent company of subsidiary United Auto Credit Corporation are also supposed to remain in compliance and conformity of GAAP. XXXX XXXX and subsidiaries have not been in compliance and continue to fail to acknowledge, wrongdoing not only in reference to the Securities and Exchange Act of 1934, but also failed to comply FINRAS rules and guidance as a business. XXXX XXXX and subsidiary ( UACC ) has continued to voluntarily violate my privacy and security by not safeguarding my personal information. Instead they choose to share that information with third party vendors such as repossession companies. As a whole this company has not lived up to their promises that they agreed to. This organization has violated my privacy rights as a consumer, and misled me by failing to maintain my security for sensitive consumer information, or caused substantial consumer injury. United Auto Credit Corporation subsidiary of XXXX XXXX has violated Section 5 of the FTC Act, which bars unfair and deceptive acts and practices in or affecting commerce. As a company Vroom Inc subsidiary ( UACC ) has violated numerous rules, regulations of the agreement of the Securities Exchange Act of 1934, Rule 405 of the Securities Act, Section 13 or Section 15 ( d ) of the Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262, the Dodd-Frank Act ), the Public Company XXXX XXXX XXXX XXXX XXXX ) and XXXX rules and standards. I am aware that XXXX takes disciplinary actions against firms and individuals for violations of FINRA rules ; federal securities laws, rules, and regulations ; and the rules of the XXXX XXXX XXXX XXXX. In addition to Sanctions including restitution, fines, suspensions, and in cases of serious misconduct, bars from the brokerage industry. XXXX XXXX and subsidiaries provided false and misleading information in reference to the my contract and didnt advise me of my right to rescind and revoke their right to have security in my contract, insurance bonds, repossession, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner, myself XXXX XXXX. You XXXX XXXX and subsidiary of United Auto Credit Corporation are allowed to keep your 20 % and I make my 80 %. I did not authorize nor agree to your company giving my personal information to other companies such as those who repossessed my vehicle. Privacy Act of 1974 ( 5 U.S. Code 552a ). The term record means any item, collection or grouping of information about an individual that is maintained by agency, including, but not limited to financial transactions and any information containing my name or identifiable number. XXXX XXXX and subsidiaries did not provide a conditional disclosure. No agency or company 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. Again they need prior written instruction of the individual to whom it relates. 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 ; XXXX XXXX and subsidiaries did not receive any written consent prior to the repossession to release my private information to any other third party companies Skip.co and relentless auto in reference to repossession. XXXX XXXX and XXXX United Auto Credit Corporation have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. According to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Every company should provide a privacy notice before they furnish any information to my consumer report. XXXX XXXX and subsidiaries failed to provide me with a privacy notice, nor did they advise they were furnishing my information which is a violation. According to 12 CFR 1016.4 Initial privacy notice to consumers required. XXXX XXXX and subsidiaries ( UACC ) per 1016.4 Initial privacy notice to consumers required to Provide an Initial notice. It must provide a clear and conspicuous notice that accurately reflects XXXX XXXX ( UACC ) privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Your company Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also, 15 U.S.Code 1692e ( 4 ) illegal repossessions states it is a fact, affiant is aware, this threat of foreclosure, that I, the affiant has proof of in documented Vroom Inc subsidiary ( UACC ) is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. Notice, it is a fact, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc. For each violation of TILA is double the finance charge when it comes to consumer credit transactions. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. XXXX XXXX parent company of subsidiary United auto credit Corporation did not follow or comply with my request for documentary evidence pursuant to 15 U.S.Code 44 including all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. Because United Auto Credit Corporation ( the creditor ) did not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If I am provided with the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. Notice, it is a fact, affiant is aware, until the creditor has resolved a billing error dispute United auto Credit Corporation can not report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611 ( 1 ) for failing to disclose information XXXX XXXX subsidiary United Auto Credit Corporation is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640 ( a ) ( 2 ) ( A ) ( i ). Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done United auto Credit Corporation can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If United Auto Credit Corporation reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. According to 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583. Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by United Auto Credit Corporation is violating 15 U.S.Code 1691 ( a ) ( 3 ). Notice it is a fact, affiant is aware, pursuant to 15 U.S. Code 6809 ( 9 ), I the affiant, am a consumer in connection with this XXXX XXXX XXXX XXXX subsidiary ( UACC ). Notice it is a fact, affiant is aware, whoever violates 15 U.S. Code 6821 such as the a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 15 U.S. Code 6827 ( 4 ) ( B ) Definition of a financial institution includes any depository institution, any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, any consumer reporting agency, any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Notice, it is a fact, affiant is aware, the definition of payment pursuant to 15 U.S. Code 78MQ1 refers to oil for commercial use and minerals in reference to gold and silver as lawful money detailed in the U.S. Constitution. I, the affiant, is unaware of any other definition of payment under commerce and trade or the consumer credit protection act. Out of these options defined under federal law, XXXX XXXX and subsidiaries ( UACC ) United Auto Credit Corporation did not specify which of these options the company preferred as payment. Nowhere in connection with commerce and trade is legal tender constitutes satisfaction of payment. Because there is no money in circulation, I have provide 1099c IRS documentation stating debt was cancelled. Notice, it is a fact, affiant is aware, in accordance with 15 U.S.Code 77q affiant has reason to believe and do so believe XXXX XXXX and subsidiaries ( UACC ) United Auto Credit Corporation has committed securities fraud as it is unlawful to offer or sell of any securities by use of the mails, directly or indirectly to employ any scheme, or artifice to defraud, obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statements made, in light of the circumstances under which they were made, or engage in any transaction, practice, or course of business which operates or would operate as a fraud or deceit upon the purchaser. Notice it is a fact, affiant is aware, the consumer has the right to request the money audit trial 12 U.S.Code 5562 ( c ) ( 10 ) and would this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the GAAP audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) United Auto Credit Corporation is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. Notice, it is a fact, affiant is aware, the United States is a federal corporation pursuant to 28 U.S.Code 3002 ( 15 ) ( A ) Notice, it is a fact, affiant is aware, in the head of the agency or its private attorney pursuant to 28 U.S.Code 3002 ( 1 ) ( B ) needs a contract with a to collection service to recover or locate indebtedness owed by the United States Govt in accordance with 18 U.S.Code 8. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If XXXX XXXX subsidiary United Auto Credit Corporation has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain. Notice, it is a fact, affiant is aware, she/her is a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). Notice, it is a fact, in connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against United Auto Credit Corporation in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I am asking that you properly remit my 1099c so that I can properly file my taxes return. Please send Copy B of 1099c and documentation stating that it was transmitted to the treasury. I just realized I have not truly paid you. Please return all of my ( Floating rate notes ) In addition, I am requesting that all my tenders are returned back to me. Please also wire my securities through my XXXX account. Please also return my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to its original location and address. And please send my title as well. If the vehicle is sold for any reason then I would like a check issue to me for the full amount of vehicle including the down payment and finance charge for the 72 months listed in the contract or another vehicle of my choosing for the inconvenience. I am now revoking your right to have security in this, insurance bonds, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner. You are allowed to keep your 20 % and I make my 80 %. Please also be mindful of Federal Reserve act section 29 in regards to a Civil Money Penalty. \" a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. '' [ 12 USC 504 ( a ) ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who commits any violation described in subsection ( a ) ; recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or breaches any fiduciary duty ; which violation, practice, or breach -- is part of a pattern of misconduct ; causes or is likely to cause more than a minimal loss to such member bank ; or results in pecuniary gain or other benefit to such party, shall forfeit and pay a civil penalty of not more than {$25000.00} for each day during which such violation, practice, or breach continues. \n\n[ 12 USC 504 ( b ).\n\n( c ) Third Tier. Notwithstanding subsections ( a ) and ( b ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who -- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice in conducting the affairs of such credit union ; or breaches any fiduciary duty ; and knowingly or recklessly causes a substantial loss to such credit union or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach, shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subsection ( d ) for each day during which such violation, practice, or breach continues. \n\n[ XXXX XXXX XXXX ( c ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( d ) Maximum Amounts Of Penalties For Any Violation Described In Subsection ( c ). The maximum daily amount of any civil penalty which XXXX be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and in the case of a member bank, an amount not to exceed the lesser of -- {>= $1,000,000} ; or XXXX percent of the total assets of such member bank. \n[ 12 USC 504 ( d ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by acts of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( XXXX ) Assessment, Etc. Any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected by in the case of a national bank, by the Comptroller of the Currency ; and in the case of a State member bank, by the Board, in the manner provided in subparagraphs ( E ), ( F ), ( G ), and ( I ) of section 8 ( i ) ( 2 ) of the FederaXXXX XXXX XXXX XXXX for penalties imposed ( under such section ) and any such assessment shall be subject to the provisions of such section. \n\n[ XXXX XXXX XXXX ( XXXX ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( f ) Hearing. The member bank or other person against whom any penalty is assessed under this section shall be afforded an agency hearing if such member bank or person submits a request for such hearing within 20 days after the issuance of the notice of assessment. Section XXXX ( h ) of the Federal Deposit Insurance Act shall apply to any proceeding under this section. \n\n[ XXXX XXXX XXXX ( f ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( g ) Disbursement. All penalties collected under authority of this paragraph shall be deposited into the Treasury. \n\n[ XXXX XXXX XXXX ( g ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( h ) Violate Defined. For purposes of this section, the term \" violate '' includes any action ( alone or with another or others ) for or toward causing, bringing about, participating in, counseling, or aiding or abetting a violation. \n\n[ XXXX XXXX XXXX ( h ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( i ) Regulations. The Comptroller of the Currency and the XXXX shall prescribe regulations establishing such procedures as XXXX be necessary to carry out this section. \n\n[ XXXX XXXX XXXX ( i ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( m ) * Notice Under This Section After Separation From Service. The resignation, termination of employment or participation, or separation of an institution-affiliated party ( within the meaning of section XXXX ( u ) of the Federal Deposit Insurance Act ) with respect to a member bank ( including a separation caused by the closing of such a bank ) shall not affect the jurisdiction and authority of the appropriate Federal banking agency to issue any notice and proceed under this section against any such party, if such notice is served before the end of the 6-year period beginning on the date such party ceased to be such a party with respect to such bank ( whether such date occurs before, on, or after the date of the enactment of this subsection ). \n\n[ 12 USC 504 ( m ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] * Violations 15 U.S.Code 1692e ( 10 ) 1 15 U.S.Code 1692e ( 12 ) 15 U.S.Code 1692f ( 1 ) 15 U.S.Code 1692f ( 6 ) 15 U.S.Code 1692g ( b ) 15 U.S.Code 1692g ( c ) 15 U.S.Code 1692h 15 U.S.Code 1692j 1 15 U.S.Code 1692k ( a ) ( 1 ) 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681i ( 6 ) ( A ) 15 U.S. Code 1681q TITLE 15 CHP 41 1601 15 U.S.Code 1602 ( b ) 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 U.S.Code 1602 ( v ) title 15 U.S.Code 1605 15 U.S.Code 1605 ( a ) 15U.S.Code1605 ( a ) ( b ) 15 U.S. Code 1611 15 U.S. Code 1635 15 U.S.Code 1635 ( f ) 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 15 U.S.Code 1640 ( a ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 1662 ( b ) 15 U.S. Code 1691 15 U.S. Code 78m ( q ) ( 1 ) 12 U.S.Code 5562 ( c ) ( 10 ) 12U.S.Code1831n ( 2 ) ( A ) 28 U.S.Code 1746 28 USC 1746 28 U.S. Code 3002 ( 1 ) ( B ) 28 USC 3002 ( 1 ) ( B ) 28 U.S. Code 3002 ( 15 ) ( A ) 31 U.S. Code 3711 ( e ) ( 9 ) 31 U.S. Code 3711 ( e ) ( 9 ) 16 C.F.R. 433.1 ( b ) 16 CFR 433.2 ( a","date_sent_to_company":"2023-08-10T19:10:23.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"7383815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2023-08-10T18:37:02.000Z","state":"OH","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each <em>financial</em> institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the security and confidentiality of those <em>customers</em> nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a <em>financial</em> institution by definition under that title. 15 USC 1681 section 604 a section"],"company":["United PanAm <em>Financial</em> Corp."]},"sort":[6.347504,"7383815"]},{"_index":"complaint-public-v1","_id":"7289531","_score":6.2908697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. account name ; XXXX account number XXXX account name ; XXXX account number ; XXXX account name ; XXXX XXXX account number ; XXXX account name ; XXXX XXXX account number ; XXXX  these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection","date_sent_to_company":"2023-07-23T16:58:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7289531","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-23T16:58:18.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code Notes prev | next ( a ) Disclosure required At the time of establishing a <em>customer</em> relationship with a consumer and not less than annually during the continuation of such relationship, a <em>financial</em> institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such <em>financial</em> institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal"]},"sort":[6.2908697,"7289531"]},{"_index":"complaint-public-v1","_id":"7289493","_score":6.2908697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. account name ; XXXX account number XXXX account name ; XXXX account number ; XXXX account name ; XXXX  XXXX account number ; XXXX account name ; XXXX XXXX  account number ; XXXX  these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection","date_sent_to_company":"2023-10-03T17:36:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7289493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Aligned Company DBA Extra","date_received":"2023-07-23T17:10:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code Notes prev | next ( a ) Disclosure required At the time of establishing a <em>customer</em> relationship with a consumer and not less than annually during the continuation of such relationship, a <em>financial</em> institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such <em>financial</em> institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal"]},"sort":[6.2908697,"7289493"]},{"_index":"complaint-public-v1","_id":"7289368","_score":6.2908697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. account name ; 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 these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection","date_sent_to_company":"2023-07-23T16:58:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7289368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-23T16:43:45.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code Notes prev | next ( a ) Disclosure required At the time of establishing a <em>customer</em> relationship with a consumer and not less than annually during the continuation of such relationship, a <em>financial</em> institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such <em>financial</em> institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal"]},"sort":[6.2908697,"7289368"]},{"_index":"complaint-public-v1","_id":"7289423","_score":6.285778,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\nIf a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. \naccount name ; XXXX account number XXXX account name ; XXXX  account number ; XXXX account name ; capital one account number ; XXXX account name ; XXXX XXXX account number ; XXXX  these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\nLegally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern.\n\nLegally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.\n\n( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.\n\n( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.\n\n( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).\n\n( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.\n\n( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.\n\n( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.\n\n( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.\n\n( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.\n\n( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.\n\n( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.\n\n( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).\n\n( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.\n\n( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.\n\n( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.\n\n( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\n( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.\n\n( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.\n\n( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.\n\n( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.\n\n( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.\n\n( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).\n\n( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.\n\n( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection","date_sent_to_company":"2023-08-30T12:26:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7289423","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-07-23T16:43:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Code Notes prev | next ( a ) Disclosure required At the time of establishing a <em>customer</em> relationship with a consumer and not less than annually during the continuation of such relationship, a <em>financial</em> institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such <em>financial</em> institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal"],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[6.285778,"7289423"]},{"_index":"complaint-public-v1","_id":"7291444","_score":6.26508,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. account name ; XXXX account number XXXX account name ; XXXX account number ; XXXX account name ; XXXX XXXX account number ; XXXX account name ; XXXX XXXX account number ; XXXX  these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection","date_sent_to_company":"2023-07-23T16:58:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7291444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-23T16:58:18.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code Notes prev | next ( a ) Disclosure required At the time of establishing a <em>customer</em> relationship with a consumer and not less than annually during the continuation of such relationship, a <em>financial</em> institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such <em>financial</em> institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal"]},"sort":[6.26508,"7291444"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":13,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":13}]}},"product":{"doc_count":13,"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":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Money transfer, virtual currency, or money 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