{"took":88,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":228,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9315237","_score":17.55604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"VIOLATION OF USC 1681 ( C ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-22T00:32:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37207","tags":null,"has_narrative":true,"complaint_id":"9315237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2024-06-22T00:32:17.000Z","state":"TN","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":["( 8 ) With respect to a consumer reporting agency described in <em>section</em> 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief"]},"sort":[17.55604,"9315237"]},{"_index":"complaint-public-v1","_id":"9315238","_score":17.552402,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"VIOLATION OF USC 1681 ( C ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-22T00:32:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37207","tags":null,"has_narrative":true,"complaint_id":"9315238","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-22T00:32:17.000Z","state":"TN","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":["( 8 ) With respect to a consumer reporting agency described in <em>section</em> 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief"]},"sort":[17.552402,"9315238"]},{"_index":"complaint-public-v1","_id":"5036307","_score":16.89197,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried disputing this information with the data furnishers. They have ignored my request to provide me with information that validates this debt. As a consumer i do not owe any alleged debt 15 USC 1962 G, I also have a right to privacy as a consumer. My medical information should not be shared with different agencies. \n1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. \n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. \n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. \n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. \n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. \n\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veteran 's medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veteran 's medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.","date_sent_to_company":"2021-12-23T06:21:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":"Servicemember","has_narrative":true,"complaint_id":"5036307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Adjustment Company Incorporated","date_received":"2021-12-23T01:05:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act"]},"sort":[16.89197,"5036307"]},{"_index":"complaint-public-v1","_id":"6664410","_score":15.879559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX Bank Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. \n\n15 USC 1681 Section 602 A. States I have the right to privacy.\n\n15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.","date_sent_to_company":"2023-03-09T00:51:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75052","tags":"Servicemember","has_narrative":true,"complaint_id":"6664410","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-09T00:51:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act."]},"sort":[15.879559,"6664410"]},{"_index":"complaint-public-v1","_id":"6664409","_score":15.879559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. \n\n15 USC 1681 Section 602 A. States I have the right to privacy.\n\n15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.","date_sent_to_company":"2023-03-09T00:51:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75052","tags":"Servicemember","has_narrative":true,"complaint_id":"6664409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-09T00:51:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act."]},"sort":[15.879559,"6664409"]},{"_index":"complaint-public-v1","_id":"6747771","_score":15.842064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.","date_sent_to_company":"2023-03-25T23:35:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75052","tags":"Servicemember","has_narrative":true,"complaint_id":"6747771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-25T23:29:39.000Z","state":"TX","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act."]},"sort":[15.842064,"6747771"]},{"_index":"complaint-public-v1","_id":"6664434","_score":15.814469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. \n\n15 USC 1681 Section 602 A. States I have the right to privacy.\n\n15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.","date_sent_to_company":"2023-03-09T00:51:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75052","tags":"Servicemember","has_narrative":true,"complaint_id":"6664434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-09T00:07:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act."]},"sort":[15.814469,"6664434"]},{"_index":"complaint-public-v1","_id":"9269460","_score":15.290069,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. \n\nXXXX Unsecured loan with account # XXXX .XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX XXXX XXXX  Credit Card XXXX account XXXX XXXX XXXX  Charge account with account # XXXX XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX and XXXX XXXX  with account # XXXX XXXX XXXX with account # XXXX -The Fair Credit Reporting Act 15 USC 1681 section 602 a states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n-The Fair Credit Reporting Act 15 USC 1681 section 602 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. \n\n-The Fair Credit Reporting Act 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. \n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the XXXX XXXX  XXXX XXXX, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n( XXXX ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( b ) E 15 u.s.c. 1681s-2 ( a ) ( 1 ) 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. \n\nDelete these accounts.","date_sent_to_company":"2024-06-16T02:28:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30076","tags":null,"has_narrative":true,"complaint_id":"9269460","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-16T01:55:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( XXXX ) With respect to a consumer reporting agency described in <em>section</em> 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and"]},"sort":[15.290069,"9269460"]},{"_index":"complaint-public-v1","_id":"9269437","_score":15.256978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. \n\nXXXX Unsecured loan with account # XXXX .XXXX XXXX XXXX XXXX  Credit Card with account # XXXX .XXXX XXXX Credit Card XXXX account XXXX XXXX XXXX  Charge account with account # XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX .XXXX XXXX with account # XXXX and XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX -The Fair Credit Reporting Act 15 USC 1681 section 602 a states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n-The Fair Credit Reporting Act 15 USC 1681 section 602 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.\n\n-The Fair Credit Reporting Act 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. \n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the XXXX XXXX XXXX XXXX, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( b ) E 15 u.s.c. 1681s-2 ( a ) ( 1 ) 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. \n\nDelete these accounts.","date_sent_to_company":"2024-06-16T02:28:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30076","tags":null,"has_narrative":true,"complaint_id":"9269437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-16T02:28:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 8 ) With respect to a consumer reporting agency described in <em>section</em> 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer"]},"sort":[15.256978,"9269437"]},{"_index":"complaint-public-v1","_id":"9269436","_score":15.256978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. \n\nXXXX Unsecured loan with account # XXXX .XXXX XXXX XXXX XXXX Credit Card with account # XXXX .XXXX XXXX Credit Card XXXX account XXXX XXXX .XXXX Charge account with account # XXXX .XXXX XXXX XXXX  Credit Card with account # XXXX .XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX and XXXX XXXX  with account # XXXX XXXX XXXX with account # XXXX -The Fair Credit Reporting Act 15 USC 1681 section 602 a states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n-The Fair Credit Reporting Act 15 USC 1681 section 602 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.\n\n-The Fair Credit Reporting Act 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the hospital care, XXXX XXXX, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( b ) E 15 u.s.c. 1681s-2 ( a ) ( 1 ) 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. \n\nDelete these accounts.","date_sent_to_company":"2024-06-16T02:28:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30076","tags":null,"has_narrative":true,"complaint_id":"9269436","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-16T02:28:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 8 ) With respect to a consumer reporting agency described in <em>section</em> 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer"]},"sort":[15.256978,"9269436"]},{"_index":"complaint-public-v1","_id":"8077103","_score":14.857569,"_source":{"product":"Debt collection","complaint_what_happened":"1st progress # XXXX ) 15 usc 6803 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.15 use 1681 ( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. they 15 usc 1681c- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\nthey has proper documents thats i have been a victim of id theft. they didnt provide proof that it was me they saying information match in sent a bank statement knowing the information not showing proof that it as me i sent police report to the company in they sending statements vaildated the debt","date_sent_to_company":"2024-01-03T21:18:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"8077103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2023-12-29T16:59:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act. they 15 usc 1681c- ( a ) Block Except as otherwise provided in this <em>section</em>, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the"]},"sort":[14.857569,"8077103"]},{"_index":"complaint-public-v1","_id":"8953909","_score":14.672367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts w\nith XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. \n\nThe FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notified ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. \n\nThis letter serves as a formal demand for the immediate investigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance. \n\nMoreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. \n\nPlease note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. \n\nI expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-05-07T17:48:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"802XX","tags":null,"has_narrative":true,"complaint_id":"8953909","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-07T17:48:42.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Moreover, entities that furnish information to credit bureaus have legal <em>obligations</em> <em>under</em> FCRA <em>Section</em> 1681s-2 to investigate disputes and correct inaccuracies. \n\nThis letter serves as a formal demand for the immediate investigation and removal of these fraudulent entries from my credit reports in <em>compliance</em> with the FCRA."]},"sort":[14.672367,"8953909"]},{"_index":"complaint-public-v1","_id":"8950698","_score":14.65692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. \n\nMy credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. \n\nThe FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notifi\n\ned ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. This letter serves as a formal demand for the immediate i\nnvestigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance.\n\nMoreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. \n\nPlease note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. \n\nI expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. \n\nSincerely, XXXXXXXX XXXX XXXX","date_sent_to_company":"2024-05-07T17:48:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"802XX","tags":null,"has_narrative":true,"complaint_id":"8950698","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-07T17:48:42.000Z","state":"CO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Moreover, entities that furnish information to credit bureaus have legal <em>obligations</em> <em>under</em> FCRA <em>Section</em> 1681s-2 to investigate disputes and correct inaccuracies. This letter serves as a formal demand for the immediate i\nnvestigation and removal of these fraudulent entries from my credit reports in <em>compliance</em> with the FCRA."]},"sort":[14.65692,"8950698"]},{"_index":"complaint-public-v1","_id":"10962280","_score":14.3222275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"3rd Dispute of Late Payments Reported in my credit report One Hundred Sixteenth Congress of the United States of America TITLE IV- ECONOMIC STABILIZATION AND ASSISTANCE TO SEVERELY DISTRESSED SECTORS OF THE UNITED STATES OF AMERICA ECONOMY Subtitle A - Coronavirus Economic Stabilization Act of 2020 Federal Trade Commission FTC report number : XXXX Following the CFPB complaints id XXXX This is my third dispute regarding the reporting of late payments on my credit account ending on XXXX in the months of XXXX, XXXX and XX/XX/XXXX. After a thorough analysis of Section XXXX of the CARES Act ( Credit Protection during XXXX ), I insist that Wells Fargo 's actions in reporting late payments during the covered period are not only incorrect, but directly contradicting the requirements established by this law, significantly affecting my credit history record. \n\nMain Points of Dispute SEC. 4021XXXX CREDIT PROTECTION DURING XXXX. \nSection 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING XXXX PANDEMIC. ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. ( II ) COVERED PERIOD.The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. \n\nInterpretation of Section 4021 : Section 4021 provides that any account under an accommodation agreement during the covered period must be reported as current. \n\nSpecifically, the law mentions that the term accommodation includes deferral agreements, partial payments, or any other assistance related to the XXXX pandemic. This applies to all credit obligations or accounts, including revolving accounts such as credit cards, and any accommodation limits the creditor to reporting late payments to avoid damage to credit reports. \n\nWells Fargo argues that credit cards are excluded from the CARES Act, but this is not supported by the legislative text. The definition of \" accommodation '' and \" credit obligation '' broadly covers any credit account that you report to the credit bureaus making this A DIRECT VIOLATION OF LAW and FRAUD by Wells Fargo towards me as a consumer. \n\nAccount Status at Time of Settlement : The accommodation agreement with Wells Fargo was made on XX/XX/XXXX. According to records, at that time my account had not been reported as delinquent. Because my first late payment was in the same month XXXX that the agreement was made, This contravenes their claim that my account was already delinquent before the agreement began. And also law has a window time coverage that begins on XX/XX/XXXX of XXXX and ends 120 after pandemic is declared ended. \n\nAccording to the CARES Act, if an account is not delinquent at the start of the accommodation agreement, it must be reported as \" current '' for the duration of the agreement. AGAIN I STATE CLEAR VIOLATION OF LAW and FRAUD against me. \n\nCovered Period : The CARES Act defines the \" covered period '' as from XX/XX/XXXX of XXXX through 120 days after the end of the declared national emergency. This period was still in effect during the time of my settlement with Wells Fargo, this section continuing to demonstrate Wells Fargo 's violation of the law and fraud. \n\nFCRA Compliance : Wells Fargo is required under the Fair Credit Reporting Act ( FCRA ) to report accurate and fair information. By reporting late payments during the period covered by an accommodation agreement, Wells Fargo is not only failing to comply with specific provisions of the CARES Act, but is also repeatedly violating the FCRA by refusing to correct this inaccurate information on my credit report. \n\nThis behavior demonstrates a continued disregard for my rights as a consumer, rights that are clearly protected by the FCRA and the CARES Act. Specifically, the FCRA requires creditors to report true and accurate information, and to correct any errors once they are reported Wells Fargo is committing a clear fraud and violating my consumer rights, affecting me financially and emotionally I attached some links of lawyers that explain credit cards are protected by Section 4021 of the CARES Act ( Credit Protection during XXXX ). \n\nlinks of information https XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX & XXXX","date_sent_to_company":"2024-11-28T17:21:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"10962280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-11-28T17:02:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["This period was still in effect during the time of my settlement with Wells Fargo, this <em>section</em> continuing to demonstrate Wells Fargo 's violation of the law and fraud. \n\nFCRA <em>Compliance</em> : Wells Fargo is required <em>under</em> the Fair Credit Reporting Act ( FCRA ) to report accurate and fair information."]},"sort":[14.3222275,"10962280"]},{"_index":"complaint-public-v1","_id":"5282077","_score":13.652552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:56:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5282077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-03T16:54:21.000Z","state":"NV","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":["In Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 <em>section</em> 604 A. <em>Section</em> 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account <em>under</em> an open end consumer credit plan as late for any reason."]},"sort":[13.652552,"5282077"]},{"_index":"complaint-public-v1","_id":"8029785","_score":13.643408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Transunion, 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) subsection listed below. \n\n( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. \n\nPage 18 | 43 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ; ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. \n\n( 7 ) and Consumer Protection Act. (???? that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n\nBelow is a summary of the data in which I am challenging : 1. 15 U.S. Code 1681c - Requirements relating of information contained in consumer reports XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. \n\n3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. \n\nSince I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. \n\nI request that you send me a validation of all debts according to XXXX, if you can not do that then you must remove. \n\n****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. \n\nThank you! \n\nXXXX XXXX","date_sent_to_company":"2023-12-20T03:36:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"8029785","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-20T03:34:58.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act. \n\nBelow is a summary of the data in which I am challenging : 1. 15 U.S."]},"sort":[13.643408,"8029785"]},{"_index":"complaint-public-v1","_id":"5281994","_score":13.643349,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. \n\n15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \n\nThe CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. \nCitations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:43:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5281994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-03T16:17:01.000Z","state":"NV","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":["In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. \n\n15 U.S.C 1681 <em>section</em> 604 A. <em>Section</em> 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account <em>under</em> an open end consumer credit plan as late for any reason."]},"sort":[13.643349,"5281994"]},{"_index":"complaint-public-v1","_id":"8046098","_score":13.633242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Equifax, 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) subsection listed below.\n\n( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.\n\nPage 18 | 43 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ; ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\nBelow is a summary of the data in which I am challenging : 1. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. \nI demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. \nSince I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. \nI request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. \n****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. \nThank you! \nXXXX","date_sent_to_company":"2023-12-23T04:40:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20032","tags":null,"has_narrative":true,"complaint_id":"8046098","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-23T04:38:11.000Z","state":"DC","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act.\n\nBelow is a summary of the data in which I am challenging : 1. 15 U.S."]},"sort":[13.633242,"8046098"]},{"_index":"complaint-public-v1","_id":"5282002","_score":13.607786,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX, has violated my rights. \n\n15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \n\nThe CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. \nCitations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:43:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5282002","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-03T16:43:07.000Z","state":"NV","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":["In Accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX, has violated my rights. \n\n15 U.S.C 1681 <em>section</em> 604 A. <em>Section</em> 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account <em>under</em> an open end consumer credit plan as late for any reason."]},"sort":[13.607786,"5282002"]},{"_index":"complaint-public-v1","_id":"5282074","_score":13.59737,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:50:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5282074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-03T16:46:44.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In Accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 <em>section</em> 604 A. <em>Section</em> 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account <em>under</em> an open end consumer credit plan as late for any reason."]},"sort":[13.59737,"5282074"]},{"_index":"complaint-public-v1","_id":"8025482","_score":13.5936165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Equifax, 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) subsection listed below.\n\n( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.\n\nPage 18 | 43 605. Requirements relating to information contained in consumer reports [ 15 U.S.C.\n\n1681c ] a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ; ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\nBelow is a summary of the data in which I am challenging : 1. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. \nI demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. \nSince I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. \nI request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. \n****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. \nThank you! \nXXXX","date_sent_to_company":"2023-12-20T03:14:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"8025482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-20T03:12:51.000Z","state":"DC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in <em>compliance</em> with its <em>obligation</em> <em>under</em> <em>section</em> 302 ( c ) ( 5 ) of the <em>Economic</em> Growth, Regulatory Relief, and Consumer Protection Act.\n\nBelow is a summary of the data in which I am challenging : 1."]},"sort":[13.5936165,"8025482"]},{"_index":"complaint-public-v1","_id":"6637704","_score":13.275384,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern Account Services COLLECTECH DIVERSIFIED is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XX/XX/XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules .\n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:50:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLLECTECH DIVERSIFIED, INC.","date_received":"2023-03-03T00:47:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As you are aware, enforcement of penalties against you is covered <em>under</em> the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for <em>Economic</em> and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX."]},"sort":[13.275384,"6637704"]},{"_index":"complaint-public-v1","_id":"6637826","_score":13.23691,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern Account Services Colls is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XX/XX/XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.\n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules . \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:35:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Adelante, Inc","date_received":"2023-03-03T00:31:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As you are aware, enforcement of penalties against you is covered <em>under</em> the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for <em>Economic</em> and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX."]},"sort":[13.23691,"6637826"]},{"_index":"complaint-public-v1","_id":"6637715","_score":13.202246,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern UNITED REVENUE CORP is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX XXXX XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XXXX XXXX XXXX  and Omnibus Final Rule effective XXXX XXXX XXXX  and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XXXX XXXX XXXX \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:47:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2023-03-03T00:42:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As you are aware, enforcement of penalties against you is covered <em>under</em> the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for <em>Economic</em> and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX XXXX XXXX."]},"sort":[13.202246,"6637715"]},{"_index":"complaint-public-v1","_id":"6637823","_score":13.187201,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern ACTION REVENUE RECOVERY is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXXXXXX  interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX  ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XXXX XXXX XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:41:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Action Revenue Recovery, LLC","date_received":"2023-03-03T00:39:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As you are aware, enforcement of penalties against you is covered <em>under</em> the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for <em>Economic</em> and Clinical Health Act of XXXX  ( HITECH Act ) as issued XX/XX/XXXX."]},"sort":[13.187201,"6637823"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":228,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":228}]}},"product":{"doc_count":228,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":148,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":147},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":35,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":35}]}},{"key":"Debt collection","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical 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