{"took":499,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":37,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15748448","_score":22.075909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Immediate Removal of Inaccurate Student Loan Information and {$1000.00} Payment FCRA Violation -- - Dear EdFinancial Compliance Department, I am writing regarding the student loan account erroneously reported on my credit profile, which I have formally disputed due to inaccuracy and lack of verification. \n\nUnder the Fair Credit Reporting Act ( FCRA ), Sections 1681s2 ( b ) and 1681e ( b ), you are legally required to : Conduct a thorough investigation within 30 days of notice of dispute ; Correct or delete any information found to be inaccurate, incomplete, or unverifiable ; Ensure maximum possible accuracy in credit reporting. \n\n\nYour continued failure to comply constitutes a willful violation of federal law. \n\nTherefore, I hereby demand : 1. Immediate removal of the inaccurate student loan information from all credit reporting agencies. \n\n\n2. Payment of {$1000.00} in statutory damages under FCRA 1681n for willful noncompliance. \n\n\n\nPlease provide written confirmation of compliance and payment arrangements within 15 business days from receipt of this email. \n\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and a federal lawsuit for damages. \n\nSincerely, XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-09-05T12:49:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27360","tags":"Servicemember","has_narrative":true,"complaint_id":"15748448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-09-05T12:37:56.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Payment</em> of {$1000.00} in statutory damages under FCRA 1681n for willful noncompliance. \n\n\n\nPlease provide written confirmation of <em>compliance</em> and <em>payment</em> <em>arrangements</em> <em>within</em> 15 <em>business</em> <em>days</em> from <em>receipt</em> of this email. \n\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and a federal lawsuit for damages."]},"sort":[22.075909,"15748448"]},{"_index":"complaint-public-v1","_id":"15750019","_score":20.98659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Immediate Removal of Inaccurate Student Loan Information and {$1000.00} Payment FCRA Violation -- - Dear XXXX XXXX Department, I am writing regarding the student loan account erroneously reported on my credit profile, which I have formally disputed due to inaccuracy and lack of verification. \n\nUnder the Fair Credit Reporting Act ( FCRA ), Sections 1681s2 ( b ) and 1681e ( b ), you are legally required to : Conduct a thorough investigation within 30 days of notice of dispute ; Correct or delete any information found to be inaccurate, incomplete, or unverifiable ; Ensure maximum possible accuracy in credit reporting.\n\nYour continued failure to comply constitutes a willful violation of federal law. \n\nTherefore, I hereby demand : XXXX. Immediate removal of the inaccurate student loan information from all credit reporting agencies. \n\n\nXXXX. Payment of {$1000.00} in statutory damages under FCRA 1681n for willful noncompliance.\n\nPlease provide written confirmation of compliance and payment arrangements within XXXX business days from receipt of this email. \n\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and a federal lawsuit for damages. \n\nSincerely, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-09-05T12:49:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27360","tags":"Servicemember","has_narrative":true,"complaint_id":"15750019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-05T12:48:58.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Payment</em> of {$1000.00} in statutory damages under FCRA 1681n for willful noncompliance.\n\nPlease provide written confirmation of <em>compliance</em> and <em>payment</em> <em>arrangements</em> <em>within</em> XXXX <em>business</em> <em>days</em> from <em>receipt</em> of this email. \n\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and a federal lawsuit for damages. \n\nSincerely, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX XXXX"]},"sort":[20.98659,"15750019"]},{"_index":"complaint-public-v1","_id":"4727021","_score":13.969648,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX Regarding Colection Agency : Mountain Runs Solutions Regarding Account number owned by XXXX XXXX in the amount of {$1200.00} I have no account with Mountain Run Solutions and have never done business with them. \n\nI requested Mountain Run Solutions to provide a contract and verification Validation ( not verify, not confirmation ) of the debt being bouhgt from \" Vivent i.e. a contract between myself XXXX XXXX & Mountain Run Solutions ( specific proof ) that I did business with specifically Mountain Run Solutions on a written contract that would validate this debt. \n\nInstead they provided a letter with stating This letter is to confirm that the above referenced account has been purchased ( From XXXX ) by Mountain Run Solutions in XX/XX/XXXX using XXXX letter head is misleading to the credit bureaus and CFPB. \n\nXXXX no longer owns this debt nor is trying to collectthe debt and a collection agency Mountain Run Solutions owns the debt now. I have never done business with Mountain Run Solutions regarding the account # XXXX in the amount of {$370.00}. \n\nBy using the confirmation that they bought the debt they are misleading FTC, Credit Bureaus and themselves. Mountain Run Solutions Also failed to give me a response within 30 days as the laws state below. \n\nYou failed to provide proof that I did business with you. I am reporting this account fraudulently. I do not have a contract between mountain Run Solutions and myself that states that I owe mountain Run Solutions any debt, and XXXX no longer is an involved party. I was provided with a contract between myself and XXXX but not a valid contract between myself and Mountain Run Solutions. \n\n\nThe Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. Mountain Run Solutions has also created a fraudulent agreement on a payment arrangement in which I have never agreed to. I have never agreed to any payment arrangements, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. This is clear and evident fraud. \n\nThe Fair Debt Collection Practices Act ( FDCPA ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n\n\n\n\n\n\n805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. \n\n808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. \n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. \n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. \n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. \n15 USC 1692g 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. \n15 USC 1692k 813. Civil liability 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.","date_sent_to_company":"2021-09-28T14:15:26.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"91732","tags":"Servicemember","has_narrative":true,"complaint_id":"4727021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mountain Run Solutions, LLC","date_received":"2021-09-16T20:58:23.000Z","state":"CA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Mountain Run Solutions has also created a fraudulent agreement on a <em>payment</em> <em>arrangement</em> in which I have never agreed to. I have never agreed to any <em>payment</em> <em>arrangements</em>, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. This is clear and evident fraud. \n\nThe Fair Debt Collection Practices Act ( FDCPA ) 809."]},"sort":[13.969648,"4727021"]},{"_index":"complaint-public-v1","_id":"4727396","_score":13.83774,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX Regarding Colection Agency : Mountain Runs Solutions Regarding Account number owned by XXXX  XXXX in the amount of {$1200.00} I have no account with Mountain Run Solutions and have never done business with them. I requested Mountain Run Solutions to provide a contract and verification Validation ( not verify, not confirmation ) of the debt being bouhgt from \" XXXX  i.e. a contract between myself XXXX XXXX & Mountain Run Solutions ( specific proof ) that I did business with specifically Mountain Run Solutions on a written contract that would validate this debt. Instead they provided a letter with stating This letter is to confirm that the above referenced account has been purchased ( From XXXX ) by Mountain Run Solutions in XX/XX/XXXX using XXXX  letter head is misleading to the credit bureaus and CFPB. XXXX no longer owns this debt nor is trying to collectthe debt and a collection agency Mountain Run Solutions owns the debt now. I have never done business with Mountain Run Solutions regarding the account # listed abover in the amount of {$1200.00}. By using the confirmation that they bought the debt they are misleading FTC, Credit Bureaus and themselves. Mountain Run Solutions Also failed to give me a response within 30 days as the laws state below. You failed to provide proof that I did business with you. I am reporting this account fraudulently. I do not have a contract between mountain Run Solutions and myself that states that I owe mountain Run Solutions any debt, and XXXX no longer is an involved party. I was provided with a contract between myself and XXXX but not a valid contract between myself and Mountain Run Solutions. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. Mountain Run Solutions has also created a fraudulent agreement on a payment arrangement in which I have never agreed to. I have never agreed to any payment arrangements, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. This is clear and evident fraud. The Fair Debt Collection Practices Act ( FDCPA ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15 USC 1692k 813. Civil liability 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the","date_sent_to_company":"2021-09-16T21:47:40.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"91732","tags":"Servicemember","has_narrative":true,"complaint_id":"4727396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mountain Run Solutions, LLC","date_received":"2021-09-16T21:37:15.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Mountain Run Solutions has also created a fraudulent agreement on a <em>payment</em> <em>arrangement</em> in which I have never agreed to. I have never agreed to any <em>payment</em> <em>arrangements</em>, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. This is clear and evident fraud. The Fair Debt Collection Practices Act ( FDCPA ) 809."]},"sort":[13.83774,"4727396"]},{"_index":"complaint-public-v1","_id":"4727457","_score":13.660967,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX Regarding Collection Agency : Clark County Collection Services Regarding Account number : XXXX previously owned by : XXXX in the amount of {$370.00} I have no account with CLARK COUNTY COLLECTION SERVICES/ THIS COLLECTION AGENCY and have never done business with them. I requested CLARK COUNTY COLLECTION SERVICES to provide a contract and verification Validation ( not verify, not confirmation ) of the debt being bought from \" XXXX. XXXX XXXX PROVIDED ME WITHA CONTRACT WITH XXXX  INSTEAD with no signature on it, just my name printed at the top witht he account. \n\ni.e. a contract between myself XXXX XXXX & CLARK COUNTY COLLECTION SERVICES ( specific proof ) that I did business with specifically CLARK COUNTY COLLECTION SERVICES on a written contract that would validate this debt. \n\nInstead they provided a letter with stating that I have violated the time limit before the debt is assumed to be valid however it is the very opposite. I did not recieve the response from CLARK COUNTY COLLECTION SERVICES until well after 30 days. They still have only provided me verification not \" VALIDATION that I have a debt with them only a CONTRACT AGREEMENT BETWEEN MYSELF AND XXXX. \n\nThis letter is to confirm that CLARK COUNTY COLLECTION SERVICES the above referenced account was purchased ( From XXXX ) to CLARK COUNTY COLLECTION SERVICES and by using XXXX contract to \" Verify not Validation '' is misleading to the credit bureaus and CFPB and to the FTC and me. \n\nXXXX no longer owns this debt nor is trying to collect the debt and a collection agency CLARK COUNTY COLLECTION SERVICES '' owns the debt now but has no contract with me XXXX XXXX. \n\nI have never done business with XXXX XXXX XXXX regarding the account # XXXX in the amount of {$370.00}. By using the XXXX contract they are claiming that myself and CLARK COUNTY COLLECTION SERVICES have an actual contract together. Which we dont and never have had. \n\nCLARK COUNTY COLLECTION SERVICES bought the debt they are misleading FTC, Credit Bureaus and themselves. CLARK COUNTY COLLECTION SERVICES Also failed to give me a response within 30 days as the laws state below BUT TRIED TO USE THIS AS thier arguement to try top keep the debt on my credit which is fraud. \n\nYou failed to provide proof that I did business with you. I am reporting this account fraudulently. I do not have a contract between CLARK COUNTY COLLECTION SERVICES and myself that states that I owe CLARK COUNTY COLLECTION SERVICES, and XXXX  no longer is an involved party. \n\nI The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. \n\nCLARK COUNTY COLLECTION SERVICES has also created a fraudulent agreement on a payment arrangement in which I have never agreed to. I have never agreed to any payment arrangements, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. CLARK COUNTY COLLECTION SERVICES HAVE ALSO TRIED TO REVERSE IT ON ME WITH THE 30 DAY RESPONSE WHEN ULTIMATELY THEY HAVE NEVER PROVIDED VALIDATION OF A DEBT OWED AT ALL. AGAIN NOT VERIFICATION \" VALIDATION '' This is clear and evident fraud. The Fair Debt Collection Practices Act ( FDCPA ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15 USC 1692k 813. Civil liability 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.","date_sent_to_company":"2021-09-16T22:24:24.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"91732","tags":"Servicemember","has_narrative":true,"complaint_id":"4727457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Clark County Collection Service","date_received":"2021-09-16T21:49:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["CLARK COUNTY COLLECTION SERVICES has also created a fraudulent agreement on a <em>payment</em> <em>arrangement</em> in which I have never agreed to. I have never agreed to any <em>payment</em> <em>arrangements</em>, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. CLARK COUNTY COLLECTION SERVICES HAVE ALSO TRIED TO REVERSE IT ON ME WITH THE 30 DAY RESPONSE WHEN ULTIMATELY THEY HAVE NEVER PROVIDED VALIDATION OF A DEBT OWED AT ALL."]},"sort":[13.660967,"4727457"]},{"_index":"complaint-public-v1","_id":"18889275","_score":11.674011,"_source":{"product":"Mortgage","complaint_what_happened":"While in forbearance with XXXX XXXX, selene obtained my loan without my knowledge. Since the transfer of the loan, I have had nothing but conflicting information and threats of foreclosure from selene XXXX  even after asking to resume payments. I have sent XXXX XXXX XXXX with late and partial response and continue to get phone calls with conflicting information as to the current status of my loan. I will attack the correspondence this far. \nTo Whom It May Concern, I am submitting this complaint against Selene XXXX  XXXX regarding multiple mortgage servicing violations, including failures to comply with the Real Estate Settlement Procedures Act ( RESPA ), specifically Regulation X, improper handling of a prior forbearance agreement, and inconsistent and misleading communications. \n\nFailure to Timely Acknowledge and Respond to Notice of Error ( NOI ) On [ insert date ], I submitted a written Notice of Error to Selene XXXX regarding errors in the servicing of my mortgage loan. Selene failed to provide a timely acknowledgment within five business days as required by 12 C.F.R. 1024.35 ( d ). When a response was eventually provided, it was incomplete and failed to address all of the errors identified in my notice. \n\nIncomplete and Substantively Deficient Response Selenes response did not adequately investigate or resolve the errors raised. Key issues were ignored or addressed with vague, boilerplate statements rather than specific findings and supporting documentation, as required under RESPA. This failure has prevented me from understanding the true status of my loan and from meaningfully exercising my rights. \n\nConflicting and Misleading Information Provided by Selene Representatives I have received inconsistent and conflicting information from Selene XXXX representatives during phone calls regarding my loan status, loss mitigation options, and foreclosure activity. Statements made verbally often contradict written communications and prior representations, causing confusion and impairing my ability to protect my home. \n\nFailure to Honor or Properly Transfer Prior Forbearance Agreement Prior to Selene XXXX  becoming the servicer, I was on an approved forbearance plan with the previous loan servicer. The agreement provided that missed payments would be added to the end of the loan and that regular payments would resume thereafter. Selene XXXX  has failed to properly recognize, honor, or implement this agreement following the servicing transfer. I also do not recall receiving a proper hello/goodbye servicing transfer notice explaining any changes or impacts to my forbearance. \n\nImproper Foreclosure Activity While Errors and Loss Mitigation Are Pending Despite unresolved servicing errors and a pending loss mitigation review, Selene Finance has pursued foreclosure activity. Proceeding in this manner while a Notice of Error and loss mitigation application are outstanding is improper and places me at risk of wrongful foreclosure. \n\nRequested Resolution I respectfully request that the CFPB require Selene XXXX  to : 1. Fully and properly respond to my Notice of Error in compliance with RESPA and Regulation X ; 2. Correct all servicing errors identified and provide a complete loan history and accounting ; 3. Honor and properly implement the prior forbearance agreement from the previous servicer ; 4. Cease foreclosure activity while errors and loss mitigation matters are under review ; and 5. Ensure all future communications are accurate, consistent, and documented in writing. \n\nSelene XXXX failures have caused significant stress, confusion, and risk of loss of my home. I appreciate the CFPBs assistance in ensuring compliance with federal mortgage servicing laws. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX I received a notice of determination dates XX/XX/XXXX on XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Selene XXXX, Please treat this email as a formal Notice of Error and Request for Information under the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X ( 12 CFR 1024.35 & 1024.36 ). \n\n\nThis concerns my mortgage loan : Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX IN XXXX Loan Number : XXXX Phone : XXXX Email : XXXX -- - NOTICE OF ERROR I am asserting the following servicing errors on my mortgage account : 1. Failure to Honor Prior Forbearance / Payment Deferral Agreement My previous servicer, XXXX, placed me in a forbearance plan with the understanding that the missed payments would be deferred to the end of my loan. Selene XXXX  has not properly honored this arrangement after transfer, which is a servicing error under 12 CFR 1024.35 ( b ) ( 5 ) and ( b ) ( 11 ). \n\n\n2. Improper Handling of My Loss Mitigation Application I submitted a complete loss-mitigation application on XX/XX/XXXX. I received only a verbal denial, with no written denial, no explanation, and no appeal rights as required by 12 CFR 1024.41 ( d ) & ( h ). \n\nA verbal denial does not close a loss-mitigation file. \n\n\nAdditionally, after I advised Selene that I can resume regular monthly payments, Selene informed me that my file was being sent back to underwriting, meaning my application is still active. \n\n\nUnder 12 CFR 1024.41 ( f ) ( g ), foreclosure activity must be halted during an active review.\n\n3. Failure to Provide Required Servicing Transfer Notices I did not receive the required goodbye letter from XXXX  or the hello letter from Selene identifying the servicing transfer details, as required under 12 CFR 1024.33.\n\n4. Failure to Provide Accurate Account Status Information Selene has not provided a clear accounting of my forbearance, loss-mitigation status, or reinstatement amount, which may be an error under 12 CFR 1024.35 ( b ) ( 1 ) and ( b ) ( 2 ).\n\n-- - REQUEST FOR INFORMATION Please provide the following information : 1. All servicing notes on my account, from XXXX and Selene. \n\n\n\n2. All forbearance records and any agreements or representations made by XXXX. \n\n\n\n3. A complete payment history from the date XXXX began servicing through the present. \n\n\n\n4. Copies of all servicing transfer notices ( goodbye & hello letters ). \n\n\n\n5. Written confirmation of my current loss-mitigation status, including whether my application is marked complete or facially complete.\n\n6. Confirmation of whether any foreclosure action or sale date is scheduled.\n\n7. A full breakdown of the reinstatement amount, including all fees and charges.\n\n-- - REQUEST FOR CORRECTION I request that Selene : 1. Correct my account to reflect the forbearance and deferral arrangement.\n\n2. Pause all foreclosure activity while my application is under review, as required by 12 CFR 1024.41.\n\n3. Provide written notice of the outcome of my loss-mitigation review.\n\n-- - RESPA Response Requirements You must acknowledge this Notice of Error within 5 business days, and respond fully within 30 business days, as required by federal law.\n\nPlease confirm receipt of this email. \n\n\nThank you, XXXX XXXX XXXX This is to acknowledge we have received your email. Your request will be routed to the appropriate department for handling. We are working diligently to provide you a response as soon as possible. \nREGISTER FOR ONLINE ACCESS : Go here : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Your Account : By registering for online access, you may be able to do the following : - View payment history - Register for paperless billing statements- Download important loan documents- Request assistance - Sign up for ACH - Make a one-time payment - Update mailing address DOCUMENT RESOURCES : Go Here - XXXX XXXX XXXX XXXX Third-Party Authorization - Borrower Assistance - ACH Form - Access XXXX Form XXXX XXXX XXXX Form NEED ADDITIONAL INSURANCE INFORMATION? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED ADDITIONAL INFORMATION? See our FAQS XXXX XXXX XXXX If you have any questions regarding the information you have submitted for this request, please contact our Customer Service Department XXXX XXXX XXXX. \nOur office hours are Monday through Thursday XXXX AM to XXXXXXXX XXXX CT, and Friday XXXXXXXX XXXX to XXXXXXXX XXXX CT. \n\nSincerely, Customer Service Selene XXXX XXXX Customer Service Department ( XXXX ) has sent you a protected message. \n\n\nlock Read the message Learn about messages protected by XXXX XXXX XXXX XXXX. \nPrivacy Statement Learn More on email encryption. \nXXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX","date_sent_to_company":"2026-01-21T14:53:16.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"467XX","tags":null,"has_narrative":true,"complaint_id":"18889275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2026-01-21T14:27:39.000Z","state":"IN","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Correct my account to reflect the forbearance and deferral <em>arrangement</em>.\n\n2. Pause all foreclosure activity while my application is under review, as required by 12 CFR 1024.41.\n\n3. Provide written notice of the outcome of my loss-mitigation review.\n\n-- - RESPA Response Requirements You must acknowledge this Notice of Error <em>within</em> 5 <em>business</em> <em>days</em>, and respond fully <em>within</em> 30 <em>business</em> <em>days</em>, as required by federal law.\n\nPlease confirm <em>receipt</em> of this email."]},"sort":[11.674011,"18889275"]},{"_index":"complaint-public-v1","_id":"5591275","_score":11.42164,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To Whom it May Concern, Statement of Facts On XX/XX/XXXX I received an approval for a car loan through your website. I applied online at Carvana.com and your website indicated the following APPROVAL : {$300.00} cash down and Monthly payment of {$550.00} and the total amount financed {$22000.00}. I called today XX/XX/XXXX and spoke with XXXX XXXX ( Underwriter ) at about XXXX. She informed me that my XXXX per Carvana Policy is they do not accept short term XXXX  applicants because they dont know when it ends, and if youre returning to work or not ; and on that basis, I was denied. I explained that I am still employed, and it was against the law to solely deny me for receiving governmental short-term XXXX due to an injury/illness. After, speaking with XXXX XXXX  ( underwriter ) she advise me to submit my paycheck stubs which I uploaded to your website. I called again and spoke with XXXX XXXX on XX/XX/XXXX at XXXX she informed me of the same issue with short-term XXXX. Then she proceeded to inform me that my checks were not accepted because they are not within the last 35 days. She further explained that on this basis and short-term XXXX I was denied, however no adverse letter is sent out to the consumer advising of the denial. She informed me they do it verbally and that is the way Carvana does as a business in their everyday course of business, and how they were trained. The problem I have is that I signed a contract online, and after the fact they are now saying I am denied. I am a consumer and the two representatives I spoke with were reluctant, provided misleading and false information regarding the approval when asked if they could provide the address to Corporate or Legal department, the first representative declined and the second person I spoke with XXXX XXXX asked why I needed it and was reluctant to provide it. Which constitutes fraud, conspiracy to commit fraud, deceit, falsely provide misleading information. I am requesting that the law be applied and followed accordingly or that you give me a written statement that is conspicuously clear and in accordance with regulations of the Bureau. \n\nBe it known : The Conditional Acceptance to your Offer establishes a Common Law- contract between us under the Postal Rule, which states : The postal rule ( also known as the mailbox rule or deposited acceptance rule ) is a term of common law-contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium acceptance. The general principle is that a contract is formed when acceptance is actually communicated to the offeror. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepaid and properly addressed letter of acceptance is posted. One rational given for the rule is that the offeror nominates the post office as implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the mailbox rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept the risk, he can always require actual receipt before being legally bound. \n\nPertinent Law ( s ) : 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) Gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) Uses any chart or table authorized by the Bureau under section 1606 of this tile in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) Otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.\n\n15 USC 1612. Effect on government agencies ( a ) Consultation requirements respecting compliance of credit instruments issues to participating creditor.\n\nAny department or agency of the United States which administers a credit program in which it extends, insures, or guarantees consumer credit and in which it provides instruments to a creditor which contain any disclosures required by this subchapter shall, prior to the issuance or continued use of such instruments, consult with the Bureau to assure that such instruments comply with this subchapter.\n\n15 USC 1605. Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n( 2 ) Service or carrying charge.\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.\n\n15 USC 1691. ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) On the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any under this chapter.\n\n( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify applicant of its action on the application.\n\n( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies his obligation by ( A ) Providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notifications of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reason confirmed in writing on written request.\n\n( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken.\n\n( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.\n\n15 USC 1691c. Administrative enforcement ( a ) Enforcing agencies Subject to subtitle B of the Consumer Protection Financial Protection Act of 2010 [ 1 ] with [ 2 ] the requirements imposed under this subchapter shall be enforced under : ( 9 ) Subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter.\n\n15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.\n\n12 USC 1431-BANKS CANT LOAN YOU MONEY BECAUSE THERE THE BORROWERS.\n\n42 USC 404-ASKING FOR YOUR SS # ON ANY CREDIT TRANSACTION OR A LOAN IS UNLAWFUL AND CRIMINAL.\n\n15 USC 1602g WE THE CONSUMERS ARE THE CREDITORS UCC 3-104 EXPLAINS WHAT A NEGOTIABLE INSTRUMENT IS","date_sent_to_company":"2022-05-21T21:44:23.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"91733","tags":null,"has_narrative":true,"complaint_id":"5591275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2022-05-21T21:22:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Changes in terms mid-deal or after closing"},"highlight":{"complaint_what_happened":["Then she proceeded to inform me that my checks were not accepted because they are not <em>within</em> the last 35 <em>days</em>. She further explained that on this basis and short-term XXXX I was denied, however no adverse letter is sent out to the consumer advising of the denial. She informed me they do it verbally and that is the way Carvana does as a <em>business</em> in their everyday course of <em>business</em>, and how they were trained."]},"sort":[11.42164,"5591275"]},{"_index":"complaint-public-v1","_id":"13425333","_score":10.7900305,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I sent the following records request to XXXX XXXX. Today, XX/XX/XXXX, I sent their defense law firm a request again. XXXX never provided the records request. I have a court mediation hearing about this on XX/XX/XXXX at XXXX XXXX. I told their attorney today, XX/XX/XXXX, that I would let the court know they have until XX/XX/XXXX to provide the records ; if not, on XX/XX/XXXX, I will inform the court about their refusal. \n\nThe emails are XXXX, XXXX and XXXX RECORD REQUEST LETTER VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED AND ELECTRONIC TRANSMISSION Records Custodian Capital One Bank XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : REQUEST FOR PERSONAL ACCOUNT RECORDS To Whom It May Concern : I. INTRODUCTION AND IDENTIFICATION I, XXXX XXXX XXXX hereby submit this formal request for copies of all records pertaining to my accounts with Capital One Bank XXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), and other applicable federal and state laws governing consumer financial records. \n\nFor verification and identification purposes, I provide the following personal information : Full Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Email Address : XXXX Telephone Number : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of XXXX : XXXX Capital One Account Numbers : XXXX XXXX XXXX XXXX. RECORDS REQUESTED I hereby request complete and unredacted copies of all records, documents, and information related to the above-referenced accounts, including but not limited to : XXXX. Account Documentation : All account opening documents, applications, and agreements All account terms and conditions, including any amendments or modifications All security deposit documentation for secured credit card accounts All account closure documentation, if applicable 2. Transaction Records : Complete monthly account statements from XX/XX/XXXX, to the present All transaction histories showing purchases, payments, credits, debits, and adjustments All payment records, including payment methods, dates, and confirmation numbers All records of fees assessed, including late fees, annual fees, and other charges XXXX. Communication Records : All correspondence between myself and Capital One, including letters, emails, and documented phone calls All notes, memoranda, or records of conversations regarding my accounts All records of customer service interactions, including dates, times, representative names, and summaries XXXX Credit Reporting Information : All information provided to credit reporting agencies regarding my accounts All credit reports or credit information obtained by Capital One regarding my accounts All records of credit limit increases or decreases, including dates and justifications 5. Security Deposit Records : All documentation regarding security deposits for secured credit card accounts All records pertaining to the status, location, and disposition of security deposits All records regarding interest accrued on security deposits, if applicable All documentation regarding the return or application of security deposits 6. Collection Activities : All records of collection activities, if any All records of debt sales or transfers, if any All records of settlements or payment arrangements, if any 7. Account Management Records : All records of account status changes All records of address or contact information changes All records of authorized users, if any All records of fraud alerts, security freezes, or identity theft investigations, if any XXXX. Electronic Access Records : All records of online account access, including XXXX addresses and timestamps All records of mobile application access All records of electronic statements or notifications XXXX. FORMAT AND DELIVERY OF RECORDS Please provide the requested records in both electronic and paper formats as follows : XXXX. Electronic Format : All electronic records should be provided in PDF format Electronic records should be transmitted to my email address : XXXX If the file size exceeds email capacity, please provide a secure link for download or save the files to a XXXX XXXX or XXXX XXXX. Paper Format : All paper records should be legible, complete, and unredacted Paper records should be sent via certified mail to my address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX. TIMELINE AND EXPEDITED PROCESSING I respectfully request expedited processing of this request, with records to be provided within 5-10 business days of receipt of this letter. I request that you respond to this request no later than XXXX business days from the date of receipt, as is standard for similar requests under applicable laws. \n\nIf you are unable to meet this timeline, please provide a written explanation for the delay and an estimated date by which the records will be provided. \n\nV. CERTIFICATION OF SEARCH EFFORTS I request that Capital One provide a detailed written certification of the search efforts undertaken to locate the requested records. This certification should include : 1. The specific databases, systems, and repositories searched 2. The search terms or parameters used 3. The time period covered by the search 4. The departments or divisions involved in the search 5. The names and titles of personnel who conducted the search XXXX. A detailed explanation of any records that could not be located or are no longer available XXXX. A description of any records that are being withheld and the specific legal basis for withholding VI. WITHHELD RECORDS If any records responsive to this request are withheld in whole or in part, I request that you provide : 1. A detailed description of each record or portion thereof withheld 2. The specific legal basis for withholding each record or portion thereof 3. An explanation of how the cited exemption or privilege applies to the specific record 4. A description of the process for appealing the decision to withhold records I do not authorize Capital One to redact personal information of other individuals that might appear in my records. \n\nXXXX. CONTACT INFORMATION FOR FOLLOW-UP If you have any questions or require additional information to process this request, please contact me using any of the following methods : Mail : XXXX XXXX XXXX Apt XXXX, XXXX, NV XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX. LEGAL COMPLIANCE AND RESERVATION OF RIGHTS This request is made pursuant to all applicable federal and state laws governing consumer financial records. Failure to comply with this request may constitute a violation of these laws and may subject Capital One to administrative, civil, or other legal remedies. \n\nI reserve all rights under federal and state law, including but not limited to the right to pursue administrative appeals and legal action to compel production of the requested records. \n\nXXXX. CONCLUSION Thank you for your prompt attention to this request. I look forward to receiving the requested records within the specified timeframe. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-09T08:54:54.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"89509","tags":null,"has_narrative":true,"complaint_id":"13425333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-09T08:40:17.000Z","state":"NV","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["TIMELINE AND EXPEDITED PROCESSING I respectfully request expedited processing of this request, with records to be provided <em>within</em> 5-10 <em>business</em> <em>days</em> of <em>receipt</em> of this letter. I request that you respond to this request no later than XXXX <em>business</em> <em>days</em> from the date of <em>receipt</em>, as is standard for similar requests under applicable laws. \n\nIf you are unable to meet this timeline, please provide a written explanation for the delay and an estimated date by which the records will be provided. \n\nV."]},"sort":[10.7900305,"13425333"]},{"_index":"complaint-public-v1","_id":"14608610","_score":10.272665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are several inaccuracies that are on my consumer report.\n\n15\n\nU.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\n3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.\n\n( a ) An instrument is transferred when it is delivered by a person other than its issue r for the purpose of giving to the person receiving delivery the right to enforce the instrument. \n\n( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. \n\n( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. \n\n( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial instit\nution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institution\ns that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or th\nrough an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information (\n1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n12 CFR 1026.11 - Treatment of credit balances ; account termination.\n\n1026.11 Treatment of credit balances ; account termination.\n\n( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance\ncharges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. \n( b ) Account termination.\n\n( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.\n\n( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.\n\n( c ) Timely settlement of estate debts ( 1 ) General rule.\n\n( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. \n\n( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.\n\n( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) (\n2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).\n\n( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.\n\n16 CFR 433.1 - Definitions.\n\n433.1 Definitions. \n( a ) Person. An individual, corporation, or any other business organization.\n\n( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.\n\n( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.\n\n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.\n\n( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.\n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.\n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.\n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n\n( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.\n\n( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. \n\n( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.\n\n( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.","date_sent_to_company":"2025-07-11T19:12:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98444","tags":null,"has_narrative":true,"complaint_id":"14608610","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T16:35:28.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["For purposes of paragraph ( c ) (\n2 ) ( i ) of this section, providing the amount of the balance on the account <em>within</em> 30 <em>days</em> of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after <em>receipt</em> of request from administrator ( i ) Limitation on fees and increases in annual percentage rates."]},"sort":[10.272665,"14608610"]},{"_index":"complaint-public-v1","_id":"14594961","_score":10.253545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are several inaccuracies that are on my consumer report.\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nXXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. \n( a ) An instrument is transferred when it is delivered by a person other than its issue r for the purpose of giving to the person receiving delivery the right to enforce the instrument. \n\n( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. \n\n( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. \n\n( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( XXXX ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n12 CFR 1026.11 - Treatment of credit balances ; account termination.\n\n1026.11 Treatment of credit balances ; account termination. \n( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. \n\n( b ) Account termination.\n\n( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.\n\n( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. \n\n( c ) Timely settlement of estate debts ( XXXX ) General rule. \n\n( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.\n\n( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.\n\n( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.\n\n( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).\n\n( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.\n\n15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n\n( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. \n\n( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.\n\n( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.\n\n( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.\n\n16 CFR 433.1 - Definitions. \n433.1 Definitions.\n\n( a ) Person. An individual, corporation, or any other business organization.\n\n( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.\n\n( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.\n\n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. \n( XXXX ) XXXX a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.\n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.\n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.\n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.\n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.","date_sent_to_company":"2025-07-11T19:28:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98444","tags":null,"has_narrative":true,"complaint_id":"14594961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-11T19:27:46.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account <em>within</em> 30 <em>days</em> of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after <em>receipt</em> of request from administrator ( i ) Limitation on fees and increases in annual percentage rates."]},"sort":[10.253545,"14594961"]},{"_index":"complaint-public-v1","_id":"14593213","_score":10.2477255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are several inaccuracies that are on my consumer report.\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nXXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. \n( a ) An instrument is transferred when it is delivered by a person other than its issue r for the purpose of giving to the person receiving delivery the right to enforce the instrument. \n\n( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. \n\n( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. \n\n( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( XXXX ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n12 CFR 1026.11 - Treatment of credit balances ; account termination.\n\n1026.11 Treatment of credit balances ; account termination. \n( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. \n\n( b ) Account termination.\n\n( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.\n\n( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. \n\n( c ) Timely settlement of estate debts ( XXXX ) General rule. \n\n( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.\n\n( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.\n\n( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.\n\n( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).\n\n( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.\n\n15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n\n( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. \n\n( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.\n\n( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.\n\n( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.\n\n16 CFR 433.1 - Definitions. \n433.1 Definitions.\n\n( a ) Person. An individual, corporation, or any other business organization.\n\n( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.\n\n( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.\n\n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. \n( XXXX ) XXXX a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.\n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.\n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.\n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.\n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.","date_sent_to_company":"2025-07-11T19:28:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98444","tags":null,"has_narrative":true,"complaint_id":"14593213","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-11T19:19:22.000Z","state":"WA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account <em>within</em> 30 <em>days</em> of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after <em>receipt</em> of request from administrator ( i ) Limitation on fees and increases in annual percentage rates."]},"sort":[10.2477255,"14593213"]},{"_index":"complaint-public-v1","_id":"14594706","_score":10.245993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are several inaccuracies that are on my consumer report. \n\nXXXX XXXX XXXX XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated XXXX  or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nXXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. \n( a ) An instrument is transferred when it is delivered by a person other than its issue r for the purpose of giving to the person receiving delivery the right to enforce the instrument. \n\n( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. \n\n( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. \n\n( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this XXXX and has only the rights of a partial assignee. \n\nXXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a XXXX  XXXX XXXX any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. \n\n( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a XXXX XXXX XXXX to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between XXXX or more financial institutions that comply with the requirements imposed by the regulations prescribed under section XXXX of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the XXXX XXXX that requires the XXXX XXXX to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a XXXX XXXX XXXX that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving XXXX XXXX, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving XXXX XXXX unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a XXXX card account, deposit account, or transaction account of a consumer to any XXXX XXXX XXXX for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, XXXX, and auditors ; ( XXXX ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ XXXX XXXX. XXXX et seq. ], to law enforcement agencies ( including the XXXX XXXX XXXX XXXX XXXX [ XXXX ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter XXXX of chapter XXXX of title XXXX, and chapter XXXX of title I of Public Law XXXX ( XXXX XXXX. XXXX ), a XXXX insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( XXXX ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ XXXX U.S.C. XXXX et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( XXXX ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( XXXX ) to comply with XXXX, XXXX, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by XXXX, XXXX, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. \nXXXX XXXX XXXX - XXXX of credit balances ; account termination. \nXXXX Treatment of credit balances ; account termination. \n( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. \n\n( b ) Account termination. \n\n( XXXX ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. \n\n( XXXX ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for XXXX or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. \n\n( c ) Timely settlement of estate debts ( XXXX ) General rule. \n\n( i ) Reasonable policies and procedures required. For XXXX  card accounts under an open-end ( not home-secured ) consumer XXXX  plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an XXXX of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. \n\n( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. \n\n( XXXX ) Timely statement of balance ( i ) Requirement. Upon request by the XXXX of an estate, a card issuer must provide the XXXX with the amount of the balance on a deceased consumer 's account in a timely manner. \n\n( ii ) Safe harbor. For purposes of paragraph ( c ) ( XXXX ) ( i ) of this section, providing the amount of the balance on the account within XXXX  days of receiving the request is deemed to be timely. \n\n( XXXX ) Limitations after receipt of request from XXXX ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the XXXX of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by XXXX ( b ) ( XXXX ). \n\n( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( XXXX ) of this section is received within XXXX  days after disclosure. \nXXXX XXXX XXXX - Definitions. \nXXXX Definitions. \n( a ) Person. An individual, corporation, or any other business organization. \n( b ) XXXX. A natural person who seeks or acquires goods or services for personal, family, or household use. \n( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a XXXX  card issuer. \n( d ) XXXX money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n( XXXX ) XXXX a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n( f ) XXXX. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n( i ) XXXX credit contract. Any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. \n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n\nXXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt XXXX. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n\n( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. \n\n( c ) Available non-abusive collection methods XXXX other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. \n\n( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. \n\n( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt XXXX, to insure that those debt XXXX who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.","date_sent_to_company":"2025-07-11T19:12:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98444","tags":null,"has_narrative":true,"complaint_id":"14594706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-07-11T19:12:03.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["For purposes of paragraph ( c ) ( XXXX ) ( i ) of this section, providing the amount of the balance on the account <em>within</em> XXXX  <em>days</em> of receiving the request is deemed to be timely. \n\n( XXXX ) Limitations after <em>receipt</em> of request from XXXX ( i ) Limitation on fees and increases in annual percentage rates."]},"sort":[10.245993,"14594706"]},{"_index":"complaint-public-v1","_id":"11558423","_score":9.649092,"_source":{"product":"Debt collection","complaint_what_happened":"Counterclaim Based on Relevant Statutes : Inaccurate Statement of Debt ( XXXX and XXXX XXXXXXXX XXXX XXXX : Under the Uniform Commercial Code XXXX XXXX XXXX specifically XXXX XXXX and XXXX XXXX XXXX a promissory note is considered negotiable and can be transferred and sold to third parties. As a result, the debt reported by your agency should be backed by a clear, verifiable record of transfer and settlement of the debt. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the note is a negotiable instrument, and its status should be properly reflected in the public records, including credit reports. \n\nI request that you immediately provide the following documents : Financial and accounting records submitted to XXXX and XXXX, detailing the balance and payment history for this loan. \nProof of assignment or transfer of the debt from the original creditor to your agency, in compliance with XXXX XXXX ( XXXX ), which outlines the requirements for perfected security interests. \nFailure to Provide Full Disclosure ( Truth in Lending Act ) : Pursuant to XXXX XXXX XXXX of the Truth in Lending Act ( TILA ), a contract may be rescinded if the lender or its agent fails to provide accurate and complete disclosure of the terms of the loan. If the amount of the debt is incorrectly stated or if there are errors in the contract, the borrower has the right to rescind. I contend that the debt recorded on my credit reports is not accurate, and I hereby request full disclosure of the loan terms and any adjustments made to the debt, including offsets or cancellations. \n\nDeceptive Debt Collection Practices ( Fair Debt Collection Practices Act ) : Under XXXX XXXX XXXX XXXX XXXX XXXX, the Fair Debt Collection Practices Act ( FDCPA ) protects consumers against abusive, deceptive, or unfair practices by debt collectors. As your agency is attempting to collect a debt that has been reported as XXXX on my credit reports by XXXX and XXXX, I dispute the accuracy of the claim. If the debt has been discharged or settled, I demand proof of such discharge or settlement under FDCPA provisions, specifically related to 1692g, which mandates that a debt collector must verify a disputed debt upon request. \n\nRequest for Financial and Accounting Records ( FAS 95 and GAAP ) : According to FAS 95 and GAAP ( Generally Accepted Accounting Principles ), debtors are entitled to request a corporations financial records to confirm whether an offsetting liability exists for the claimed debt. Specifically, I request that you provide the following documents to verify the debt and any financial adjustments : FR 2046 balance sheet showing the company 's financial position. \nXXXX report outlining any offsets related to the debt. \nXXXX registration statement and XXXX prospectus to demonstrate how the debt is treated in your corporate filings. \nRight to Set-Off and RecoupmenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to request set-off or recoupment if a valid debt exists. Set-off is available when mutual debts are owed by the same parties and can be used to cancel out the debt. I request that you confirm any potential set-off or recoupment arrangements that apply to this loan and demonstrate how the liability is reflected on your financial statements. \n\nFailure to Properly Register Commercial Instruments ( UCC and State Law ) : If your agency or the original creditor has failed to properly register the commercial instrument ( the promissory note ), this may constitute a violation of state law under New York XXXX XXXX XXXX XXXX, specifically Section XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The failure to register such an instrument in the proper manner may provide grounds for rescission of the contract, and I am requesting confirmation of the registration status of the note in question. \n\nDemand for Response : I hereby demand that you respond to this counterclaim and provide the requested documentation within XXXX business days from the receipt of this letter, in accordance with the relevant statutes cited above. Failure to comply with this request will result in further legal action and may be construed as a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and other applicable laws. \n\nConclusion : I trust that this matter will be resolved promptly with the required documentation, and I will review your response carefully. Please note that your agencys failure to provide this information or to continue asserting this claim without proper evidence may result in a formal dispute and legal proceedings. \n\nThank you for your immediate attention to this matter.","date_sent_to_company":"2025-01-17T14:48:48.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"144XX","tags":null,"has_narrative":true,"complaint_id":"11558423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-01-17T14:48:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Demand for Response : I hereby demand that you respond to this counterclaim and provide the requested documentation <em>within</em> XXXX <em>business</em> <em>days</em> from the <em>receipt</em> of this letter, in accordance with the relevant statutes cited above. Failure to comply with this request will result in further legal action and may be construed as a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and other applicable laws."]},"sort":[9.649092,"11558423"]},{"_index":"complaint-public-v1","_id":"2760130","_score":9.218914,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Here is the XXXX view of the problem:\n\nA company called XXXX XXXX stole money from me by charging my Capital One card when they should not have done so.\n\nDespite my proving XXXX Inc was wrong, Capital One dropped the investigation and said it was my problem, not theirs.\n\n*********************************************************************\n*********************************************************************\nWith slightly more detail: XXXX XXXX gave me their instructions for cancelling my account with them.\nI followed those instructions, exactly, but XXXX XXXX stated I was late.\nI have proof that I was not late. (See attachment: original_msg.txt)\nCapital One has ignored that proof and will not credit my account. XXXX XXXX no longer responds to communication by Capital One or by me.\n\n*********************************************************************\n*********************************************************************\n\nOn XX/XX/XXXX, I signed up for a month of service from XXXX XXXX. at a promotional rate of $XXXX/month. I read, and was told by phone, that my second month's bill would have been $XXXX unless I would cancel, by phone, on or before XX/XX/XXXX. \n\nThe results I got from my first month's worth of service from XXXX were XXXX. No results at all, so I elected to cancel the subscription and was very careful not to miss the deadline I was told about.\n\nI called the company at XXXX on XX/XX/XXXX at XXXX and again at XXXX  PDT to cancel. (These dates & times are recorded on my cell phone.)  I was told the cancellation was made, and as such, I went about my business. Weeks later, I happened to notice XXXX had billed my Capital One card for a second month @ $XXXX.  I canceled that payment with Capital One, who then launched an investigation.\n\nOn XX/XX/XXXX, I received a letter from Capital One, saying XXXX  Inc had \"...provided information to support the transaction,\" causing Capital One to reapply the charge to my account.  I called XXXX at the same number, above, and left a message, as instructed by the voicemail bot at XXXX. The bot stated the call would be returned within one business day. (I never got a callback from XXXX XXXX.)\n\nI read the refutation letter XXXX sent to Capital One. \n\nXXXX claimed I had been one day late in canceling my XXXX service, stating that I had E-mailed my request to cancel on XX/XX/XXXX. That claim is false on both of its premises; \n1. I did not E-mail my request to cancel, I made the request by phone (as previously instructed by XXXX). Apparently, someone at XXXX isn't paying close enough attention to the details to construct a decent lie.\n2. I made that phone call on XX/XX/XXXX, not XX/XX/XXXX (inside the period XXXX gave me to cancel the service).\nSo the argument that passed as \"information to support the transaction\" is completely false and obviously constructed to be deceptive.\n\n\tProof of Return/Cancellation\nI have a recorded E-mail, from XXXX, responding to my cancellation request, dated (by Gmail) XX/XX/XXXX, which proves XXXX had received my cancellation request on or before XX/XX/XXXX.\nXXXX \nThis E-mail shown below:\n ________________________________________\n\n\tSecond Opinion \n\nA XXXX search revealed someone else who was scammed by XXXX, in a very similar way.\n\nXXXX\n\nMerchant Name: XXXX XXXX  XXXX XXXXTRANSACTION XX/XX/XXXX: $XXXXTRANSACTION XX/XX/XXXX: $XXXX  XXXX XXXX XXXX called me on XX/XX/XXXX. They are a XXXX XXXX XXXX company that is supposed to manage your advertising campaigns on XXXX. They apparently are advantageous because of the volume of business they do with XXXX you are supposed to get a better rate than going to XXXX  directly. They told me they are running a 2 hour rush sale and that it is urgent to sign up immediately in order to be able to advertise with them. We ran through a series of examples of how they would help me and told me that I was able to cancel at any time after 30 days of use, however if I paid for 6 months in advance that I would be able to save 50% and if I still wanted to cancel after 30 days that I was able to. Thinking that there was not much to lose I decided to sign up.Initially XXXX seemed like a representable vendor. The first 2 days was a great experience and I had a few different coworkers, friends and family test the searches to make sure that they were working properly, and the first few days they were. After the first week however I noticed a drastic change. The service that they promised was no longer working, barely any of my paid searches would come up. I called XXXX  numerous times and could no longer reach them. I sent many emails and never got a response. I then finally received a call from one of the managing partners, XXXX and I told him that I no longer wanted to continue the service. XXXX refused to listen and told me to let it play out the rest of the month, and if I was still unhappy that he would refund me for the remaining 5 months. XXXX assured me that I would be in his circle of preferred customers and that I could reach him at any time if I had any questions or concerns. I tried emailing XXXX a few times after the call and I never received a response.I then called XXXX and filed a dispute. The information that I received from XXXX that XXXX submitted says a few things that proves that they are untruthful. On the bottom of the page of Chargeback Comments it says, Provided to said client was 9 ads placed in the Top 3 spots on the first page of XXXX, shown in the state of Florida and 4 surrounding states, on all devices (mobile ect.), ads are up 24/7, unlimited clicks to website from ads placed, extra text lines and also sitelinks making the ad larger and increases traffic First off I want to say that I am not licensed to do real estate in any state other than Florida. Why they would set up 4 other surrounding states is beyond me and could actually get me in trouble with the Florida Board of Realtors for advertising and doing business in a state other than Florida. Secondly, I have proof that my ads were not up 24/7 and they removed certain ads to save money with XXXX and did not do as promised by advertising my ads 24/7. You will see various screen shots attached proving that the ads were not working 24/7. I intentionally had many other co-workers, friends and family test it out and see if was working. They also experienced the same as I did and did not see any of my ads.Lastly I called XXXX XXXX directly and showed them the document that they emailed you and me showing the clicks that were supposedly clicked. I knew immediately that they were manufactured based on how big the area is. For example: if you researched and looked up how many people XXXX searched XXXX XXXX, NY and XXXX, AL you would get 100xs more searches for XXXX XXXX, NY. The same is true with some of the searches that I signed up for. The data that XXXX provided just didnt make any sense. So I called XXXX XXXX XXXX  and they confirmed to me that it looked like it didnt make sense. They also told me that most companies would not copy and paste that data into a word document because there is nothing from XXXX indicating that the statistics and data is accurate. They told me that I needed to get a report from XXXX that shows the data not a inputted text in an email.Attached you will find unresponsive emails, search test done and much more. Thanks so much for looking into this further. I look forward to talking to you and discussing how we can fix this. Thanks. \n(There was a section that gave the company an opportunity to rebut the accusations. No rebuttal was offered.)\n\n*********************************************************************\n*********************************************************************\n\nBelow is the full E-mail thread between XXXX XXXX and me:\n\nXXXX\nWelcome To XXXX XXXX.\nInbox\tx\n \nXXXX XXXX. \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n \n*** ATTENTION: PLEASE DO NOT REPLY TO THIS EMAIL. This email has been automatically generated through our internal emailing system.\n\nCongratulations - Your XXXX XXXX Placements are now ordered!\n**You will receive another email when your Online ad campaign is LIVE**\nAny additional questions you may have can be answered at XXXX. If you do not receive the 2nd email within the 2-3 business days please check your spam folder.\nYour Exclusive XXXX Search Areas:\nXXXX, XXXX Thank you for your business. We look forward to promoting your business to its peak!\nOrder Confirmation:  (Month-To-Month Agreement)\n\nBilling Information \nClient Name: XXXX XXXX XXXX\nStreet Address:XXXX XXXX XXXX XXXX XXXX City, State, Zip: XXXX XXXX, CA, XXXX:\n\n\nPayment Method\nCredit card type: XXXX\nLast four #: XXXX \n\nClient Account Information\nWebsite: XXXX \nPhone: (XXXX) XXXX\nEmail: XXXX \n\n\nAmount\nMobile Feature/Click to Call: INCLUDED\nFirst Month Total Charge: $ XXXX ( includes set-up if applicable )\nMonthly Service Fee: $XXXX Beginning: XX/XX/XXXX\nPayment Made Today : $XXXX\n*Go to XXXX to read over our terms, conditions and cancellation policies. This must be submitted within 5 days of your ads being up and running: NOTE This does not activate your account or your Search Engine ads.\n________________________________________\nWe've included our terms here for your records and convenience.\n________________________________________\nXXXX XXXX. Term and Conditions:\nXXXX XXXX, XXXX is an online marketing group that works with clients across the nation. Our objective is targeted demographic marketing for our clients on XXXX, the world's largest search engine. By agreeing to partner with XXXX, you are also agreeing to the following terms and conditions.\nPrivacy Statement:\nWe will never sell, trade, or otherwise disclose personally identifiable information to anyone. We will not share your email address with any other company. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and actions tags (also known as single pixel gifts to web beacons) to determine your advertising effectiveness. Any information that these third parties collect (via cookies and action tags) is completely anonymous.\nOnline Search Phrase:\nOur marketing experts perform widespread detailed research to establish the most valuable and cost effective marketing position for each and every client. We place every client on XXXX to ensure they are reaching their targeted market 24/7. We research multiple marketing strategies to place our clients in the most cost effective position, with the highest return on their investment. XXXX may grant additional marketing on a client's behalf to further increase their results and exposure.\nIt is our ultimate goal to ensure that all of our clients get the most out of their XXXX  XXXX on XXXX However, XXXX cannot guarantee the exact position of a client's campaign ad, nor the number of hits, clicks, leads, or sales as an outcome of their online marketing. There could be events outside of our control that can temporarily hinder our capacity to secure XXXX  placement(s). These events may include, but are not limited to, Search Engine System updates, XXXX account reviews, and any other events out of the direct control of XXXX. XXXX has no power over our client's personal website(s) and has no means of measuring the outcome of sales from our client's online marketing campaign. We require our clients to keep track of their individual results by asking each and every person that contacts their business how they had found their name and phone number. XXXX is not an entity of, nor directly affiliated with; XXXX. XXXX is a privately owned marketing group that concentrates on the construction and maintenance of targeted marketing ads for our clients on the major search engines. For more information about Online Search Phrases/Placements please email us at XXXX or call XXXX XXXX  during our business hours.\nWarranties:\nTHE INFORMATION AND SERVICES THAT XXXX XXXX. PROVIDES ARE ON AN \"AS IS\" AND \"AS AVAILABLE\" \"NO REFUND\" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION GIVEN BY XXXX, ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES SHALL CREATE ANY WARRANTY HEREUNDER.\nSubscription Details:\nThis Order authenticates the arrangement that was made between you and our marketing specialist from XXXX to partner in our service(s), as was recorded with your authorization. Unless explicitly contradicted by this Order Confirmation, the recorded agreement described above continues in full force and effect. Your campaign has been set up on a month-to-month basis unless otherwise agreed to. All of our month-to-month agreements begin on the date that you first established participation and you will continue to be billed automatically by direct deduction on the monthly anniversary day of every month. XXXX Billing will reflect XXXX XXXX. and shall appear on your banking statement(s) as XXXX XXXX. XXXX guarantees that we will NOT increase your monthly payment, unless given your express consent. Your monthly payment will be fixed throughout the lifetime of your account. However, changes to your Online Search Phrase(s), at your request, may be subject to rate changes and additional phrases will be subject to the then current rate even if it is different from the rate for current phrases you may have.\n\nFurther any further details regarding your account can be answered by emailing us at XXXX or calling XXXX XXXX during our business hours.\nLicenses:\nYou hereby grant XXXX non-exclusive, irrevocable, royalty-free, worldwide license under all copyrights, trademarks, patents, trade secrets, privacy and publicity rights and other intellectual property rights you own or control, if needed, in order to direct traffic to your website through the Online Search Phrases.\nGeneral Terms:\nAuthority to Bind: No employee or specialist of XXXX XXXX. or any of its divisions are authorized to offer or agree to any binding agreement with another party by email without the approval of an Account Manager. Governing Law: This Contract is made and shall be construed and performed under the laws of the State of Oregon without giving effect to choice of law principles. The parties agree that exclusive jurisdiction and venue for any action hereunder shall lie in the Circuit Court of Oregon, XXXX County.\nWaiver:\nFailure to insist upon strict compliance with any term or condition of this Contract shall not constitute a waiver of such term or condition, nor shall any waiver or relinquishment of any right or power under this Contract at any one or more times be deemed a waiver of relinquishment of such right or power at any other time. If you have questions on your account, please email us at XXXX or call XXXX XXXX during our business hours.\nXXXX XXXX. Cancellation Policy & Payment:\nIt is your responsibility to update XXXX with any and all changes to your customer information, including but not limited to, your personal and professional contact information, your subscribed website address, and your payment information. If your payment fails for any reason, your campaign may remain online for up to 30 days as we attempt to contact you to collect updated payment information. This does not negate your obligation to pay any and all monies owed to XXXX. If your account is not brought current within 30 days we have the right to immediately turn off all of your marketing and turn your account over to a collections agency.\nPLEASE NOTE:\nAll cancellation requests must be submitted to XXXX OR by calling XXXX XXXX\nAll cancellation requests MUST be received at least three (3) business days prior to the monthly anniversary date. If notice of cancellation is not given within said time frame, XXXX cannot prevent an automatic charge to the account and therefore you will be charged for an additional month.\nXXXX XXXX. Client Services\nXXXX\nXXXX\nXXXX \nXXXX\n\n*********************************************************************\n*********************************************************************\n\nXXXX \nTransaction Receipt from XXXX  XXXX. for $XXXX (USD)\nInbox\tx\n \nAuto-Receipt \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWELCOME TO XXXX!\nMake sure to print a copy of this receipt for your records. As a new XXXX client, we are excited to get to work on promoting your business! Please stay tuned. Soon you will receive emails notifying you of our progress on creating your XXXX XXXX campaign. If you have any questions, concerns or comments please feel free to reach out to our client service dept. \nOrder Information\nDescription:\tGoods or Services\nInvoice Number \tXXXX\nCustomer ID \tXXXX\n\t\n\n________________________________________\nBilling Information \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX\nUS\nXXXX \nShipping Information \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX\nUS\n________________________________________\nTotal:\t\t$XXXX (USD)\n\n\nPayment Information\nDate/Time:\tXX/XX/XXXX XXXX PDT\nTransaction ID:\tXXXX\nPayment Method:\tXXXX XXXX\nTransaction Type:\tPurchase\nAuth Code:\tXXXX\n\t\n\n\nMerchant Contact Information\nXXXX XXXX.\nXXXX, OR 97005\nUS\nXXXX XXXX XXXX. Client Services XXXX or XXXX  XXXX\n\n\n \nXXXX XXXX \n\tXX/XX/XXXX\n \t\t \n \nto XXXX XXXX  XXXX - The Active Agent\nREALTOR | XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX | XXXX XXXX XXXX | Each Office Is Independently Owned And Operated\n\n*********************************************************************\n*********************************************************************\nXXXX \nYour Exclusive XXXX XXXX  Positions (Action Required)\nInbox\tx\n  XXXX this?   XX/XX/XXXX XXXX.  \n \nXXXX XXXX. \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n \nBe careful with this message. It contains content that's typically used to steal personal information. Learn more\nReport this suspicious message   Ignore, I trust this message\n \nCongratulations XXXX XXXX  your XXXX XXXX positions are now LIVE and ready for new clients to see! \nREQUIRED ACTION. CLICK THE LINK BELOW TO ACCEPT XXXX XXXX. TERMS AND CONDITIONS. \nXXXX  \nXXXX requires clients to have terms and conditions completed within 5 days of this email or XXXX will pause all active accounts until submitted. Terms and conditions takes just a few moments of your time. In the best interest of your advertising needs, we suggest that you complete it after you are finished reading this email. \n\n***GOING TO XXXX DOES NOT ACTIVATE YOUR ONLINE ADS. THIS INFORMATION IS PROVIDED TO OUR CLIENTS TO ENSURE THEY UNDERSTAND OUR TERMS, CONDITIONS AND CANCELLATION POLICIES. \n\nAlthough your ad campaign has been launched it may take a few hours to get your ads into the correct position. \n\nYour exclusive ONLINE search phrases are listed down below.\n------ IMPORTANT NOTICE! ------\n\n---- PLEASE DO NOT CLICK ON YOUR OWN ADS ----\n\n---- THIS NEGATIVELY IMPACTS CONVERSION TRACKING DATA ON YOUR ACCOUNT ----\nClicking on your ads is for new clients only. This will ensure the statistics on your account are always as accurate as possible.\nXXXX will flag accounts that are repeatedly clicked on by the same person or computer. This is to protect your ads from people who are not serious about your business.\nIf you consistently search the search terms from your computer XXXX will show you different results. After searching your ad over and over if your ad is not appearing to you, simply wait for an hour and it will appear again.\nNOTE: We monitor your ad campaign activity 24 hours a day, 7 days a week to ensure maximum exposure on XXXX.\nYou may contact a Customer Service Representative Monday-Friday to show and walk you through your placements live on XXXX. Contact information below. Any additional questions you have may be answered at that time. Any changes you wish to make to your ad(s), phrase(s), or personalization may be done free of charge.\nYour exclusive XXXX Ad Campaign search terms are as follows:\nTo see your AD(s) simply click the link(s) below.\nXXXX\nreal estate encinitas ca\ncarlsbad ca homes for sale\n\nOr if you prefer, follow these steps:\n1.\tNavigate to XXXX\n2.\tType your SEARCH TERM as shown above into the XXXX search box and submit the form if necessary.\n3.\tYou should see your AD. If not, it may be necessary to wait a day while XXXX reviews and approves your new AD.\n4.\tIf you still can not see your AD, please see XXXX AND/OR contact us at XXXX\nThank you for your business, we look forward to promoting your business to its peak!\nXXXX XXXX. Client Services XXXX\nXXXX \nXXXX XXXX \n\n*********************************************************************\n*********************************************************************\nXXXX \nPLEASE READ : XXXX XXXX. CLIENT HANDBOOK\nInbox\tx\n \nXXXX XXXX. \n\t XX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWelcome Again To\n The XXXX Team!\n\n Attached to this email is the CLIENT HANDBOOK. It is attached as a pdf file. This handbook will help give you a better understanding as to how the advertising works and what we can do to better the service. If you need help with the client handbook or want to make adjustments to your account, please contact the number listed below. We are excited to see where our service takes you and your business! Let's take your business to it's peak!\n\n\n\nThank you from all of \nus at XXXX!\n\nIf you need assistance \nCALL : XXXX XXXX XXXX  XXXX Attachments area\n*********************************************************************\n*********************************************************************\nTHIS IS THE E-MAIL THAT PROVES I CANCELLED WITHIN THE TIME ALLOWED BY XXXX INC:\n\nXXXX XXXX XXXX cancellation.\nInbox\tx\n \nXXXX via XXXX \n\n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWe're sorry to see you go. Notice has been sent to our client services department and a copy has been emailed to you. You will be contacted to verify the cancellation of your advertising with XXXX.\n\nName: XXXX XXXX\nEmail: XXXX\nLast 4:XXXX IP: XXXX\n\n - - - COMMENT - - -\nNo results.\n\n\n*********************************************************************\n*********************************************************************\nXXXX\nWe Are Sorry To See You Go!-(XXXX XXXX.)\nInbox\tx\n \nXXXX \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n                              \n                                                      \n\n\n\nHi XXXX,\n\nThank you for doing business with us! We are sad to see you go! We value every client that gives us an opportunity to earn their business.  Please call the number below or email a good time we can reach you. We want to ensure that we are providing the best possible service month in and month out. We have some new features to improve the presence of your campaign that not everyone has at the moment.  We are pretty excited about it! We also want to get any feedback to help better our service for the future. Look forward to speaking with You! \n\nThanks, \nXXXX XXXX.\nCustomer Loyalty Dept.\nXXXX\nXXXX XXXX \n\n*********************************************************************\n*********************************************************************\nThe totality of communication between XXXX Inc and me was done through two media; E-mail and telephone. I've supplied all the E-mail, and I have only the times of phone calls recorded on my cell phone in case anyone needs that information.\n\nIts possible that someone at XXXX XXXX overlooked the XX/XX/XXXX communication, and that might have led to my case being marked Late Cancellation or some sort of thing.  Short of that, it appears that XXXX  XXXX is intentionally stealing money from me, using Capital One as a tool.\n*********************************************************************\n*********************************************************************","date_sent_to_company":"2017-12-19T23:28:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92069","tags":null,"has_narrative":true,"complaint_id":"2760130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-12-19T19:02:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["If you do not receive the 2nd email <em>within</em> the 2-3 <em>business</em> <em>days</em> please check your spam folder.\nYour Exclusive XXXX Search Areas:\nXXXX, XXXX Thank you for your <em>business</em>. We look forward to promoting your <em>business</em> to its peak!"]},"sort":[9.218914,"2760130"]},{"_index":"complaint-public-v1","_id":"7339307","_score":8.423966,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX and Equifax continues to violate my consumer right by reporting my non public information without my written consent. \n\nXXXX XXXX stated in their terms and conditions that they would not share my information with anyone except the credit bureaus. The only true credit bureau is the Consumer Financial Protection Bureau and it does not furnish consumer reports. Equifax is a privately owned company that assumed the role to furnish consumer reports. \n\nIt is against federal law to report any financial history. My credit card information is considered financial history and should not be included in any reporting. \n\nPer the Privacy Act of 1974 as a federally protected consumer I have the right to opt out of my information being reported. \n1026.13 Billing error resolution.\n\n( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. \n\n( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.\n\n( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.\n\n( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. \n\n( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.\n\n( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.\n\n( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. \n\n( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. \n\n( c ) Time for resolution ; general procedures. \n\n( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.\n\n( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.\n\n( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.\n\n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.\n\n( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.\n\n( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.\n\n( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.\n\n( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. \n\n( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.\n\n( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.\n\n1026.12 Special credit card provisions.\n\n( a ) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card shall be issued to any person except : ( 1 ) In response to an oral or written request or application for the card; or ( 2 ) As a renewal of, or substitute for, an accepted credit card.\n\n( b ) Liability of cardholder for unauthorized use ( 1 ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit.\n\n( ii ) Limitation on amount. The liability of a cardholder for unauthorized use of a credit card shall not exceed the lesser of {$50.00} or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer under paragraph ( b ) ( 3 ) of this section.\n\n( 2 ) Conditions of liability. A cardholder shall be liable for unauthorized use of a credit card only if : ( i ) The credit card is an accepted credit card ; ( ii ) The card issuer has provided adequate notice of the cardholder 's maximum potential liability and of means by which the card issuer may be notified of loss or theft of the card. The notice shall state that the cardholder 's liability shall not exceed {$50.00} ( or any lesser amount ) and that the cardholder may give oral or written notification, and shall describe a means of notification ( for example, a telephone number, an address, or both ) ; and ( iii ) The card issuer has provided a means to identify the cardholder on the account or the authorized user of the card.\n\n( 3 ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular officer, employee, or agent of the card issuer does, in fact, receive the information. Notification may be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier.\n\n( 4 ) Effect of other applicable law or agreement. If state law or an agreement between a cardholder and the card issuer imposes lesser liability than that provided in this paragraph, the lesser liability shall govern.\n\n( 5 ) Business use of credit cards. If 10 or more credit cards are issued by one card issuer for use by the employees of an organization, this section does not prohibit the card issuer and the organization from agreeing to liability for unauthorized use without regard to this section. However, liability for unauthorized use may be imposed on an employee of the organization, by either the card issuer or the organization, only in accordance with this section.\n\n( c ) Right of cardholder to assert claims or defenses against card issuer ( 1 ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount.\n\n( 2 ) Adverse credit reports prohibited. If, in accordance with paragraph ( c ) ( 1 ) of this section, the cardholder withholds payment of the amount of credit outstanding for the disputed transaction, the card issuer shall not report that amount as delinquent until the dispute is settled or judgment is rendered.\n\n( 3 ) Limitations ( i ) General. The rights stated in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section apply only if : ( A ) The cardholder has made a good faith attempt to resolve the dispute with the person honoring the credit card ; and ( B ) The amount of credit extended to obtain the property or services that result in the assertion of the claim or defense by the cardholder exceeds {$50.00}, and the disputed transaction occurred in the same state as the cardholder 's current designated address or, if not within the same state, within 100 miles from that address.\n\n( ii ) Exclusion. The limitations stated in paragraph ( c ) ( 3 ) ( i ) ( B ) of this section shall not apply when the person honoring the credit card : ( A ) Is the same person as the card issuer ; ( B ) Is controlled by the card issuer directly or indirectly ; ( C ) Is under the direct or indirect control of a third person that also directly or indirectly controls the card issuer ; ( D ) Controls the card issuer directly or indirectly ; ( E ) Is a franchised dealer in the card issuer 's products or services ; or ( F ) Has obtained the order for the disputed transaction through a mail solicitation made or participated in by the card issuer.\n\n( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.\n\n( 2 ) Rights of the card issuer. This paragraph ( d ) does not alter or affect the right of a card issuer acting under state or Federal law to do any of the following with regard to funds of a cardholder held on deposit with the card issuer if the same procedure is constitutionally available to creditors generally : Obtain or enforce a consensual security interest in the funds ; attach or otherwise levy upon the funds ; or obtain or enforce a court order relating to the funds.\n\n( 3 ) Periodic deductions.\n\n( i ) This paragraph ( d ) does not prohibit a plan, if authorized in writing by the cardholder, under which the card issuer may periodically deduct all or part of the cardholder 's credit card debt from a deposit account held with the card issuer ( subject to the limitations in 1026.13 ( d ) ( 1 ) ).\n\n( ii ) With respect to a covered separate credit feature accessible by a hybrid prepaid-credit card as defined in 1026.61, for purposes of this paragraph ( d ) ( 3 ), periodically means no more frequently than once per calendar month, such as on a monthly due date disclosed on the applicable periodic statement in accordance with the requirements of 1026.7 ( b ) ( 11 ) ( i ) ( A ) or on an earlier date in each calendar month in accordance with a written authorization signed by the consumer.\n\n( e ) Prompt notification of returns and crediting of refunds.\n\n( 1 ) When a creditor other than the card issuer accepts the return of property or forgives a debt for services that is to be reflected as a credit to the consumer 's credit card account, that creditor shall, within 7 business days from accepting the return or forgiving the debt, transmit a credit statement to the card issuer through the card issuer 's normal channels for credit statements.\n\n( 2 ) The card issuer shall, within 3 business days from receipt of a credit statement, credit the consumer 's account with the amount of the refund.\n\n( 3 ) If a creditor other than a card issuer routinely gives cash refunds to consumers paying in cash, the creditor shall also give credit or cash refunds to consumers using credit cards, unless it discloses at the time the transaction is consummated that credit or cash refunds for returns are not given. This section does not require refunds for returns nor does it prohibit refunds in kind.\n\n( f ) Discounts ; tie-in arrangements. No card issuer may, by contract or otherwise : ( 1 ) Prohibit any person who honors a credit card from offering a discount to a consumer to induce the consumer to pay by cash, check, or similar means rather than by use of a credit card or its underlying account for the purchase of property or services; or ( 2 ) Require any person who honors the card issuer 's credit card to open or maintain any account or obtain any other service not essential to the operation of the credit card plan from the card issuer or any other person, as a condition of participation in a credit card plan. If maintenance of an account for clearing purposes is determined to be essential to the operation of the credit card plan, it may be required only if no service charges or minimum balance requirements are imposed.\n\n( g ) Relation to Electronic Fund Transfer Act and Regulation E. For guidance on whether Regulation Z ( 12 CFR part 1026 ) or Regulation E ( 12 CFR part 1005 ) applies in instances involving both credit and electronic fund transfer aspects, refer to Regulation E, 12 CFR 1005.12 ( a ) regarding issuance and liability for unauthorized use. On matters other than issuance and liability, this section applies to the credit aspects of combined credit/electronic fund transfer transactions, as applicable.","date_sent_to_company":"2023-08-03T04:38:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"7339307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-03T04:38:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["'s <em>compliance</em> with this section"]},"sort":[8.423966,"7339307"]},{"_index":"complaint-public-v1","_id":"7339334","_score":8.399196,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Capital One and XXXX continues to violate my consumer right by reporting my non public information without my written consent. \n\nCapital One stated in their terms and conditions that they would not share my information with anyone except the credit bureaus. The only true credit bureau is the Consumer Financial Protection Bureau and it does not furnish consumer reports. XXXX is a privately owned company that assumed the role to furnish consumer reports. \n\nIt is against federal law to report any financial history. My credit card information is considered financial history and should not be included in any reporting. \n\nPer the Privacy Act of 1974 as a federally protected consumer I have the right to opt out of my information being reported.\n\n1026.13 Billing error resolution. \n( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.\n\n( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. \n\n( XXXX ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. \n\n( XXXX ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. \n\n( XXXX ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. \n\n( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. \n\n( XXXX ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. \n\n( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( XXXX ) Enables the creditor to identify the consumer 's name and account number; and ( XXXX ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. \n\n( c ) Time for resolution ; general procedures. \n\n( XXXX ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.\n\n( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor XXXX not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.\n\n( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.\n\n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. \n\n( XXXX ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.\n\n( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. \n\n( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.\n\n( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( XXXX ) of this section without incurring additional finance or other charges ; ( XXXX ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( XXXX ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( XXXX ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( XXXX ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.\n\n( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.\n\n( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.\n\n1026.12 Special credit card provisions. \n( a ) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card shall be issued to any person except : ( XXXX ) In response to an oral or written request or application for the card; or ( XXXX ) As a renewal of, or substitute for, an accepted credit card. \n\n( b ) Liability of cardholder for unauthorized use ( XXXX ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit. \n\n( ii ) Limitation on amount. The liability of a cardholder for unauthorized use of a credit card shall not exceed the lesser of {$50.00} or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer under paragraph ( b ) ( XXXX ) of this section. \n\n( XXXX ) Conditions of liability. A cardholder shall be liable for unauthorized use of a credit card only if : ( i ) The credit card is an accepted credit card ; ( ii ) The card issuer has provided adequate notice of the cardholder 's maximum potential liability and of means by which the card issuer XXXX be notified of loss or theft of the card. The notice shall state that the cardholder 's liability shall not exceed {$50.00} ( or any lesser amount ) and that the cardholder XXXX give oral or written notification, and shall describe a means of notification ( for example, a telephone number, an address, or both ) ; and ( iii ) The card issuer has provided a means to identify the cardholder on the account or the authorized user of the card. \n\n( XXXX ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as XXXX be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular XXXX, employee, or agent of the card issuer does, in fact, receive the information. Notification XXXX be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier. \n\n( XXXX ) Effect of other applicable law or agreement. If state law or an agreement between a cardholder and the card issuer imposes lesser liability than that provided in this paragraph, the lesser liability shall govern. \n\n( XXXX ) Business use of credit cards. If 10 or more credit cards are issued by one card issuer for use by the employees of an organization, this section does not prohibit the card issuer and the organization from agreeing to liability for unauthorized use without regard to this section. However, liability for unauthorized use XXXX be imposed on an employee of the organization, by either the card issuer or the organization, only in accordance with this section. \n\n( c ) Right of cardholder to assert claims or defenses against card issuer ( XXXX ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder XXXX assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder XXXX withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. \n\n( XXXX ) Adverse credit reports prohibited. If, in accordance with paragraph ( c ) ( XXXX ) of this section, the cardholder withholds payment of the amount of credit outstanding for the disputed transaction, the card issuer shall not report that amount as delinquent until the dispute is settled or judgment is rendered.\n\n( 3 ) Limitations ( i ) General. The rights stated in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section apply only if : ( A ) The cardholder has made a good faith attempt to resolve the dispute with the person honoring the credit card ; and ( B ) The amount of credit extended to obtain the property or services that result in the assertion of the claim or defense by the cardholder exceeds {$50.00}, and the disputed transaction occurred in the same state as the cardholder 's current designated address or, if not within the same state, within XXXX miles from that address. \n\n( ii ) Exclusion. The limitations stated in paragraph ( c ) ( 3 ) ( i ) ( B ) of this section shall not apply when the person honoring the credit card : ( A ) Is the same person as the card issuer ; ( B ) Is controlled by the card issuer directly or indirectly ; ( C ) Is under the direct or indirect control of a third person that also directly or indirectly controls the card issuer ; ( D ) Controls the card issuer directly or indirectly ; ( E ) Is a franchised dealer in the card issuer 's products or services ; or ( F ) Has obtained the order for the disputed transaction through a mail solicitation made or participated in by the card issuer. \n\n( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. \n\n( XXXX ) Rights of the card issuer. This paragraph ( d ) does not alter or affect the right of a card issuer acting under state or Federal law to do any of the following with regard to funds of a cardholder held on deposit with the card issuer if the same procedure is constitutionally available to creditors generally : Obtain or enforce a consensual security interest in the funds ; attach or otherwise levy upon the funds ; or obtain or enforce a court order relating to the funds. \n\n( XXXX ) Periodic deductions. \n\n( i ) This paragraph ( d ) does not prohibit a plan, if authorized in writing by the cardholder, under which the card issuer XXXX periodically deduct all or part of the cardholder 's credit card debt from a deposit account held with the card issuer ( subject to the limitations in 1026.13 ( d ) ( 1 ) ).\n\n( ii ) With respect to a covered separate credit feature accessible by a hybrid prepaid-credit card as defined in 1026.61, for purposes of this paragraph ( d ) ( 3 ), periodically means no more frequently than once per calendar month, such as on a monthly due date disclosed on the applicable periodic statement in accordance with the requirements of 1026.7 ( b ) ( 11 ) ( i ) ( A ) or on an earlier date in each calendar month in accordance with a written authorization signed by the consumer. \n\n( XXXX ) Prompt notification of returns and crediting of refunds. \n\n( XXXX ) When a creditor other than the card issuer accepts the return of property or forgives a debt for services that is to be reflected as a credit to the consumer 's credit card account, that creditor shall, within XXXX business days from accepting the return or forgiving the debt, transmit a credit statement to the card issuer through the card issuer 's normal channels for credit statements. \n\n( XXXX ) The card issuer shall, within XXXX business days from receipt of a credit statement, credit the consumer 's account with the amount of the refund. \n\n( XXXX ) If a creditor other than a card issuer routinely gives cash refunds to consumers paying in cash, the creditor shall also give credit or cash refunds to consumers using credit cards, unless it discloses at the time the transaction is consummated that credit or cash refunds for returns are not given. This section does not require refunds for returns nor does it prohibit refunds in kind. \n\n( f ) Discounts ; tie-in arrangements. No card issuer XXXX, by contract or otherwise : ( XXXX ) Prohibit any person who honors a credit card from offering a discount to a consumer to induce the consumer to pay by cash, check, or similar means rather than by use of a credit card or its underlying account for the purchase of property or services; or ( XXXX ) Require any person who honors the card issuer 's credit card to open or maintain any account or obtain any other service not essential to the operation of the credit card plan from the card issuer or any other person, as a condition of participation in a credit card plan. If maintenance of an account for clearing purposes is determined to be essential to the operation of the credit card plan, it XXXX be required only if no service charges or minimum balance requirements are imposed. \n\n( g ) Relation to Electronic Fund Transfer Act and Regulation E. For guidance on whether Regulation Z ( 12 CFR part 1026 ) or Regulation E ( 12 CFR part 1005 ) applies in instances involving both credit and electronic fund transfer aspects, refer to Regulation E, 12 CFR 1005.12 ( a ) regarding issuance and liability for unauthorized use. On matters other than issuance and liability, this section applies to the credit aspects of combined credit/electronic fund transfer transactions, as applicable.","date_sent_to_company":"2023-08-03T04:38:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"7339334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-08-03T04:13:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["'s <em>compliance</em> with this section"]},"sort":[8.399196,"7339334"]},{"_index":"complaint-public-v1","_id":"2765801","_score":8.291537,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is directed at Mr. Cooper, formerly known as Nationstar Mortgage who is the current servicer of my mortgage loan. My specific complaint is in reference to a series of misstatements, misrepresentations and contradictions over the past 11 months that now place me in great financial distress, threaten my ability to keep my home, negatively affect my credit history and my wellbeing. \n\nOverview : On XXXX XXXX, XXXX I went online to the Mr. Cooper website to make my XXXX XXXX, XXXX payment. According to online statements and letters generated by Mr. Cooper since XXXX XXXX, XXXX, the amount of my mortgage payment was to be {$1600.00} and the due date was XXXX XXXX, XXXX. When I logged in to the account overview page I found that my next payment was for {$18000.00} and due XXXX XXXX, XXXX. The page also informed me Your account is not eligible for payments. Please call us After seeing this shocking information on XXXX XXXX, XXXX, I initiated two phone calls with Mr. Cooper Customer Service representatives ( XXXX XXXX and XXXX XXXX ) and have traded electronic discussion with a XXXX XXXX, a customer service person via the Consumer Affairs website. The crux of their explanation was that someone in their Hardest Hit Funds dept. ( potentially a third-party vendor ) reviewed my account on XXXX XXXX, XXXX and reversed a {$40000.00} payment they had received and processed 11 months ago, back on XXXX XXXX, XXXX that they ( Nationstar/Mr. Cooper ) used to pay ahead my monthly payments and reduce principle. \n\nAt no time, up to today, has anyone from Mr. Cooper ever called me, nor have I received any written notification relating to this reversal these representatives described to me. If I had not logged on to their website on XXXX XXXX, I would still be unaware of this adjustment. In each of my calls, when I asked if I could speak a supervisor in their HHF department ( where the decision was made ), I was told I could not. In her last written response to me, XXXX XXXX admitted Nationstar had made an error 11 months ago when they processed the {$40000.00} payment, but offered no explanation or opportunity to speak with anyone about the decision, nor any direction regarding my account, due for a {$21.00}, XXXX payment in 10 days. \n\nIn my complaint I will provide a detailed timeline and documentation that will demonstrate that the payment accepted and processed by Nationstar on XXXX XXXX, XXXX was correct, in fact, directed by Nationstar. I will also provide months of documentation which they now contradict with no evidence, no justification, no notice or ability to appeal. \n\nWhat I seek is the ability to have the actions of Mr. Cooper be examined for legal and compliance violations and that the {$40000.00} be reapplied as they offered to do 11 months ago. \n\nFull Story and timeline : In XXXX of XXXX I was offered a mortgage loan modification by Nationstar mortgage ( Exhibit 1, copy of modification agreement is provided ). This agreement called for me to make a qualifying payment of {$2800.00} to enter the modification. It called for payments of {$660.00} ( {$1000.00} with impounds ) for two years beginning  XXXX XXXX, XXXX through XXXX XXXX XXXX Exhibit 2 -copy of mortgage stmt dated XXXX XXXX, XXXX provided to confirm ). All payments were paid on time, as agreed between XXXX XXXX and XXXX XXXX. \n\nIn XXXX XXXX, I was notified that my monthly payment would be increasing from {$1000.00} in XXXX XXXX to {$2600.00} beginning XXXX XXXX, XXXX ( Exhibit 3 - copy of monthly statement dated XXXX/XXXX/XXXX attached ). \n\nConcerned that this 265 % increase in payment would be problematic I contacted Nationstar for possible assistance. They offered nothing. I was able to make the higher payments due for XXXX, XXXX and XXXX ( Exhibit 4 - stmts dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX documenting these payments ). \n\nIn XXXX XXXX I contacted a California non-profit organization, Keep Your Home California ( KYHC )  and asked for their assistance. They offered a principle reduction program ( PRP ) which I was pre-qualified for. I completed their paperwork. On XXXX XXXX, XXXX I received an approval letter from KYHC ( Exhibit 5 -Notification of PRP Approval attached ), indicating they would provide {$40000.00}. **An important part of the KYHC PRP process was KYHC worked with Nationstar ( my servicer ) to determine an amount of funds that Nationstar would use to provide payment assistance. According to KYHC personnel, it was Nationstar that directed KYHC to provide the {$40000.00}. \n\nAmong the key information in this letter were the statements Your servicer is responsible to provide you detailed information regarding how PRP benefit assistance will be applied to your loan. Additionally, the letter instructed me that my servicer would send me documents related to the principle reduction and new lower payments and that I must complete them. It added, If you have not heard from your mortgage servicer or do not receive a new monthly mortgage stmt within 30 days that reflects the application of the PRP funds, we recommend you contact your Servicer. \n\nI followed all instructions. I completed the KYHC Promissory Note and Deed of Trust ( Exhibit 6 - attached ) and returned to KYHC. I called KYHC to ask what payment relief I could expect, or how that would  work. I was told that is completely up to Nationstar, they will tell you how the funds can be used. \n\nI looked out for documents from Nationstar. None came. I continued to regularly check my Nationstar account online to see if/when the {$40000.00} PRP funds were received and applied. \n\nOn XXXX XXXX, XXXX I checked my Nationstar account online and found a statement generated XXXX XXXX, XXXX reflecting transaction activity of {$40000.00} on XXXX/XXXX/XXXX ( Exhibit 7 - attached statement dated XXXX/XXXX/XXXX documents the XXXX XXXX, XXXX activity ) confirming receipt and processing of the KYHC funds. It also showed my next payment was due XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX I still had not received anything from Nationstar ( no documents to complete or notification of receiving the {$40000.00} ), and so I called them. I spoke to a customer service representative who confirmed receipt of the {$40000.00} and how it had been applied. I explained to her where the funds had come from and why. I asked what Nationstar could offer to provide payment relief. After an extensive hold to confer with her supervisor, the Nationstar representative informed me that Nationstar could use the funds received to pay ahead up to six monthly payments. The balance of the {$40000.00} would then be applied to the principle balance. She indicated that 6 months was the maximum amount of time Nationstar could pay ahead, however if I wanted to pay ahead for longer, I would just need to call in and request it. When I agreed to the six months pay ahead arrangement, she confirmed with me that my next due payment would be XXXX/XXXX/XXXX. She also told me no paperwork would need to be completed by me for this purpose. \n\nOn XXXX XXXX, XXXX, Nationstar sent me a letter confirming this arrangement, stating my We are writing you to notify you that your account is currently paid ahead. As of the date of this letter, you are due for your XXXX/XXXX/XXXX payment. ( Exhibit 8 - copy of this letter is attached ). \n\nOn XXXX XXXX, XXXX, Nationstar generated a monthly mortgage statement that indicated the next payment due was XXXX/XXXX/XXXX. In the Transaction Activity section of the statement adjustments is shown dated XXXX/XXXX/XXXX that distributed the {$40000.00} as described in the XXXX XXXX, XXXX call to Nationstar ( Exhibit 9 - a copy of this statement dated XXXX/XXXX/XXXX is attached ). \n\nOn XXXX XXXX, XXXX I checked my account online and found that I was due for an XXXX XXXX, XXXX payment of {$1500.00}, contradicting the information given to me by Nationstar in the XXXX XXXX call, XXXX XXXX, XXXX letter and XXXX XXXX, XXXX statement. I had not received any calls or written notifications from Nationstar regarding changes or adjustments. I contacted Nationstar and on XXXX XXXX, XXXX I spoke to XXXX, a customer service representative for Nationstar and asked what had occurred. After an extensive hold, XXXX informed me that the XXXX adjustments were not executed correctly. After conferring with her supervisor, she told me they would submit a research request that would correct the error so that my account would be paid ahead for 6 months and the balance of the {$40000.00} applied to principle. \n\nOn XXXX XXXX, XXXX, I checked my account online and found a statement generated by Nationstar dated XXXX/XXXX/XXXX confirming what I was told on XXXX. The statement indicated my next payment due date was now XXXX/XXXX/XXXX. The Transaction activity portion of the statement reveals the reversing of the {$40000.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and then the re-application of the {$40000.00} on XXXX/XXXX/XXXX paying my account ahead for 6 months ( Exhibit 10 -  statement dated XXXX/XXXX/XXXX is attached confirming these transactions ). The statement dated XXXX/XXXX/XXXX had been deleted from the Nationstar website. \n\nOn XXXX XXXX, XXXX, I checked online and found a monthly mortgage statement dated XXXX/XXXX/XXXX. This statement confirmed my next payment due date was XXXX/XXXX/XXXX ( Exhibit 11 - statement dated XXXX/XXXX/XXXX is attached ). \n\nOn XXXX XXXX, XXXX I checked my Nationstar account online and found I was due for a XXXX XXXX, XXXX payment of {$1500.00}, contradicting my conversation with XXXX on XXXX XXXX, and the two previous mortgage statements. I had not received any calls or written notifications from Nationstar regarding changes or adjustments. I contacted Nationstar and spoke with a customer service representative. I explained the situation and expressed concern that a pattern of contradicting information and errors was occurring with my mortgage. After a 45-minute hold, the representative told me she would research the issue and call me back within 24 hours. She never called. \n\nOn XXXX XXXX, XXXX I called Nationstar again and spoke with another customer service representative. After a long hold conferring with her supervisor, she told me they would submit another research request to resolve the matter. \n\nOver the next few weeks I continued to check my account online, but did not see the adjustment. I called in several more times and was assured each time Nationstar was researching the problem and would resolve it. \n\nOn XXXX XXXX, XXXX, Nationstar generated an online mortgage statement that indicated I was now due for two payments on XXXX XXXX, XXXX and added a late fee. The transaction activity section indicated a series of reversals totaling {$40000.00} back dated to XXXX XXXX, XXXX, which contradicted at least four previous calls and previous Nationstar mortgage statements and misrepresented account activity ( Exhibit 12 -statement dated XXXX/XXXX/XXXX attached ). The XXXX XXXX, XXXX statement was deleted from the Nationstar website. \n\nOn XXXX XXXX, XXXX I still did not see the adjustments Id been assured of, so I called Nationstar and spoke to a customer service representative named XXXX. I expressed to him my concerns regarding all the errors and the extended amount of time to resolve my account. He explained that previous representatives had not executed the arrangement properly and assured me he would, telling me it would take 7 business days to do so. When I checked online XXXX XXXX, XXXX, the overview showed my payment due date was now XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX Nationstar generated a monthly mortgage statement which reflected a payment due date of XXXX XXXX, XXXX. The payment amount now was {$1600.00}. The transaction activity section of the statement reflected reapplication of the {$40000.00} back dated to XXXX XXXX, XXXX ( Exhibit 13 - copy of XXXX/XXXX/XXXX statement attached ). \n\nOn XXXX XXXX, XXXX Nationstar generated an online statement ( Exhibit 14 -copy of XXXX/XXXX/XXXX attached ) consistent with the XXXX XXXX. Payment of {$1600.00}, payment due date was XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX a letter ( Exhibit 15 - copy of letter attached ) from Mr. Cooper ( formerly Nationstar ) writing to notify you that your ( my ) account is paid ahead, next payment due date XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX Mr. Cooper generated an online statement ( Exhibit 16 copy of XXXX/XXXX/XXXX statement attached ) indicating payment of {$1600.00}, payment due date of XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX a letter ( Exhibit 17 - copy of letter attached ) from Mr. Cooper writing to inform you ( me ) that your account is currently paid ahead, next payment due date XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX Mr. Cooper generated an online statement ( Exhibit 18 copy of XXXX/XXXX/XXXX statement attached ) indicating payment of {$1600.00}, payment due date of XXXX/XXXX/XXXX. \n\nBy the beginning of XXXX XXXX, it finally seemed the issues with Nationstar, now Mr. Cooper had been resolved. It finally seemed that the KYHC funds had provided the relief from the {$2600.00} loan payments and that I would soon be making affordable payments from now on. Between XXXX XXXX and XXXX XXXX, XXXX, I had received two letters and four consecutive monthly statements confirming what I had been told in XXXX, despite the many missteps, my next payment due was going to be {$1600.00} and it would be due XXXX XXXX, XXXX. I received no calls or notifications from Mr. Cooper regarding any issues or adjustments to the contrary. \n\nUntil I logged into my Mr. Cooper account on XXXX XXXX, XXXX to make the payment due XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX I logged in to my Mr. Cooper account to make my XXXX XXXX, XXXX payment. As previously related, what I found was that my next due payment was XXXX/XXXX/XXXX and was {$18000.00}!! The website overview page also said Your account is not eligible to make payments. Please call us at XXXX for assistance ( Exhibit 19 copy of screen shot attached ). \n\nI immediately called in assuming that another error had occurred and would be resolved. Instead I spoke to someone who was quite nasty. I describe to her what had occurred over the last 11 months. After putting me on hold, she came back and told me that on XXXX XXXX, XXXX my account was reviewed by the Hardest Hit Funds department. She said that they had reversed out all the {$40000.00} funds because it violated my agreement with KYHC. I asked her where the funds were. She asked me if I had checked my account. I told her the funds were not in my account. She told me she didnt know where they were. I asked her what I was supposed to do to resolve this and she said I could do whatever I wanted. I asked to speak to a supervisor, she hung up on me. \n\nI then called KYHC to see if the funds had been sent back to them. I spoke with XXXX in the KYHC funding  department who looked up my file. I described to her what Id been told earlier by the Mr. Cooper representative. XXXX told me, that is not right referring to comment the Mr. Cooper representative said about our agreement. She confirmed that the original use of the {$40000.00}, to pay ahead and apply the balance to principle was not an issue and there was no justification for Mr. Cooper to reverse the funds. She told me to call Mr. Cooper and ask for a supervisor in their Hardest Hit Funds department and they should be helpful. She asked me to call her again in a few days to see if the funds were received by KYHC. \n\nOn Monday XXXX XXXX I called Mr. Cooper again. I spoke to a customer service specialist named XXXX. She would not give me her last name but gave me her employee ID, XXXX XXXX listened to my story and put me on hold to research. She confirmed with me that somehow your account was coded for Hardest Hit Fund and after a review that department reversed out the {$40000.00} because it was not allowed on my account. I asked her if I could speak to a supervisor in the Hardest Hit Funds and she said I could not. She explained that she did not have the ability to transfer clients to that department nor did she have a phone number or email I could use to contact them. After she reviewed my account statements going back the previous six months XXXX said to me, wow, this is a mess. \n\nLater that day I receive a written response via the Dept of Consumer affairs website from XXXX XXXX XXXX, a customer service specialist at Mr. Cooper. I had been connected with her after filing a review of Mr. Cooper on that website. She provided the same information about what happened. She did not offer any solutions, nor was she able to tell me where the {$40000.00} went. \n\nOn Tuesday XXXX XXXX, XXXX I contacted KYHC and spoke again to XXXX in their funding department. She confirmed that KYHC had still not received the {$40000.00} from Mr. Cooper. I relayed the information Mr. Cooper had provided and she stated, they do not know what they are doing. She went on to explain to me that Nationstar/Mr. Cooper had in fact, been consulted as part of KYHCs approval process. As XXXX put it, they told us to send the {$40000.00}. So, the issue of accepting those funds was approved by Nationstar before KYHC approved me or sent Nationstar the funds. XXXX continued, KYHC doesnt just send out {$40000.00} without confirming everything with your servicer, and that was done in your case with Nationstar. \n\nThe last thing XXXX said to me was, you should get a lawyer. \n\nXXXX XXXX. I received a new online statement from Mr. Cooper. The statement dated XXXX/XXXX/XXXX indicated my payment due date was now XXXX XXXX, XXXX and my payment due was for {$21000.00} ( Exhibit 20 copy of XXXX/XXXX/XXXX statement attached ). The Transaction Activity shows a series of back dated reversals and charges. The account overview page still showed payment due date of XXXX XXXX, XXXX for {$18000.00}, contradicting this statement. \n\nSummary : So as of today, XXXX XXXX, XXXX I have no idea where my mortgage account stands or what I am supposed to do next to address the errors. For 11 months I have experienced consistent misrepresentations both verbal and in writing from Nationstar/Mr. Cooper. I have done everything I was instructed to do since the loan modification was put in place in XXXX. I have done everything I was told to do when approved by XXXX in XXXX. I have done everything I was told to do by Nationstar since they received the {$40000.00} inXX/XX/XXXX. I still have not received any notifications for any adjustments or issues by Mr. Cooper. The only letters and statements Ive received from them appear here as Exhibits that contradict what they are telling me now. \n\nI am asking that the events documented in this complaint be reviewed for compliance to relevant regulations concerning mortgage servicers. In addition to obvious incompetence over the past 11 months, I am concerned that my rights as a consumer have been violated by Mr. Cooper on multiple occasions. As their own employee has said, its a mess when referring to my mortgage account. \n\nI am asking that the {$40000.00} that Nationstar accepted and applied to my account 11 months ago immediately be applied to my account. \n\nFinally, I am requesting protection from Mr. Coopers actions in terms of my credit history ( they are not reporting payments that were made ) and my home ( in one month my mortgage statements report 3 different stories ). \n\nI thank you for your assistance and attention to this mess.","date_sent_to_company":"2017-12-27T21:42:42.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"95765","tags":null,"has_narrative":true,"complaint_id":"2765801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-12-27T21:21:52.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He explained that previous representatives had not executed the <em>arrangement</em> properly and assured me he would, telling me it would take 7 <em>business</em> <em>days</em> to do so. When I checked online XXXX XXXX, XXXX, the overview showed my <em>payment</em> due date was now XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX Nationstar generated a monthly mortgage statement which reflected a <em>payment</em> due date of XXXX XXXX, XXXX. The <em>payment</em> amount now was {$1600.00}."],"issue":["Trouble during <em>payment</em> process"]},"sort":[8.291537,"2765801"]},{"_index":"complaint-public-v1","_id":"13642578","_score":7.922018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Introduction & Summary of Complaint I, XXXX XXXX, hereby submit this second formal complaint against Experian and Equifax for their willful and unlawful handling of a fraudulent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account on my credit reports. This account was previously deleted from all of my credit files ( as of XX/XX/year> ) after being confirmed inaccurate and unauthorized, yet it has been reinserted without any notice to me a blatant violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) ( ii ). The reinsertion of this deleted account is fraudulent, deceptive, and has caused me severe emotional and financial harm. I write to demand immediate relief and to hold Experian and Equifax accountable for this egregious breach of my consumer rights. \n\nSummary of Issues : Illegal Reinsertion without Notice : A XXXX  account not belonging to me was deleted after dispute, but Experian and Equifax reinserted it into my credit reports without providing the required written notice within 5 business days, violating federal law.\n\nUnauthorized/Stolen Account : The XXXX account in question is the result of unauthorized use of my identity effectively a stolen account that I never opened, authorized, or benefited from. It should never have been reported under my name. \nPattern of Misconduct : Experian and Equifax have demonstrated a pattern of deceptive trade practices and systemic misconduct, ignoring my prior CFPB complaint ( filed XX/XX/year> ) and continuing to report false information. This knowing failure to correct their practices shows a willful violation of the FCRA and other consumer protection laws. \nConsumer Harm : I am suffering significant emotional distress ( anxiety, sleeplessness, and humiliation ) and financial injury ( damage to my credit scores, denial of credit opportunities, and higher costs ) due to their negligence and willful non-compliance. I have been forced to expend time and resources to address a fictitious debt, which is ruining my financial reputation through no fault of my own. \n\nI urge the CFPB to take this complaint with utmost seriousness. Below, I provide detailed facts, legal violations, and the relief sought. My goal is the permanent deletion of this bogus account and accountability for those responsible, so that no other consumer endures this debt slavery being trapped by a false debt on their credit report. \n\nBackground : Deleted Account Illegally Reinserted XXXX  Account Details : The account at issue is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that was fraudulently opened or attributed to me without my authorization. After discovering it on my credit reports, I disputed the account with all credit bureaus. As a result, by XX/XX/year>, the account was deleted from my Experian and Equifax reports ( indicating it was unverified/inaccurate ). I have official dispute results confirming that the XXXX tradeline was removed due to lack of verification or accuracy. \n\nReinsertion without Notice : Shockingly, in XX/XX/year>, I found that this XXXX account had been reinserted into my Experian and Equifax credit files without any advance notice or explanation. I never received the written notice that is required within XXXX business days of reinsertion under the FCRA. In fact, I received no communication whatsoever from Experian or Equifax informing me that they were adding this previously-deleted item back onto my reports. This clandestine reinsertion is illegal. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) lays out strict conditions for reinserting deleted information : Certification Requirement : A deleted item may not be reinserted unless the furnisher certifies the information is complete and accurate.\n\nConsumer Notice Requirement : If a deleted item is reinserted, the credit bureau shall notify the consumer in writing within XXXX business days of the reinsertion, including details of the furnisher and the consumers rights. \n\nExperian and Equifax appear to have violated both provisions. They either reinserted the account without obtaining a valid certification of accuracy, or accepted a dubious certification despite the account being previously deemed unverifiable. In either case, they failed to notify me in writing of the reinsertion within the 5-day window ( or at all ). This is a direct violation of federal law. By law, the absence of timely notice alone renders the reinsertion unlawful. The violation is clear-cut and inexcusable.\n\nNo New Information or Valid Basis : There was no legitimate new information that could suddenly make this account verified. The account remains fraudulent and inaccurate. Its prior deletion establishes that XXXX could not verify it as my debt. Any purported certification by XXXX to re-report this account is highly suspect and likely false. Therefore, the reinsertion is not only procedurally improper, but also a substantive act of fraud re-reporting information known to be unverifiable and false. I have strong reason to believe this reinsertion was done in bad faith, possibly as part of a collusive arrangement between XXXX and the credit bureaus to push a bogus debt onto my reports. ( Notably, XXXX stands to benefit from having the account reappear, as it pressures me to pay or settle a debt I do not owe. Experian and Equifaxs willingness to violate the law in this manner raises the question of whether they are receiving fees or other incentives for such illicit reinsertions an unlawful collusion and abuse of the credit reporting system. ) Lack of Notice to Complainant : To reiterate, I was completely blindsided by the reappearance of this account. I only discovered the reinsertion by monitoring my credit no notice came from Experian or Equifax. This lack of notice deprived me of the opportunity to immediately dispute or block the reinserted entry, which is exactly the kind of harm the FCRAs notice requirement is meant to prevent. The bureaus secretive action demonstrates a willful disregard for my rights and basic fairness. \n\nUnauthorized Account & Identity Theft The XXXX account is fraudulent it does not belong to me. It appears to be an account opened or used by someone else ( or created due to identity theft ), which was then incorrectly attributed to me on my credit file. I have never had any business relationship with XXXX XXXX XXXX XXXX. This account is the result of identity theft or mistaken identity, and it was already acknowledged as such when it was deleted after my initial dispute. \n\nAccount Was Stolen/Inaccurate : For clarity, this account is essentially a stolen account either opened using my personal information without my permission, or erroneously reported under my name when it pertains to another individual. It is an inaccurate trade line that should never have been reported on my credit in the first place. By reinserting this account, Experian and Equifax are effectively reporting bogus debt information against an innocent consumer ( myself ). This is beyond negligent ; it is a knowing dissemination of false information. \n\nXXXX. FCRA 623 Violations by Furnisher ( XXXX ) : While this complaint is directed at the credit bureaus, it must be noted that XXXX, as the furnisher, XXXX have violated its own legal duties. If XXXX certified the account as accurate despite it being fraudulent, XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. XXXX also failed to conduct a good-faith reinvestigation upon my disputes and apparently re-furnished the disputed information without any new proof of validity a potential violation of FCRA 623 ( b ) duties to investigate and correct. These actions by XXXX amount to furnishing false credit information and could not have been done in good faith. I am including this point because Experian and Equifaxs reinsertion of the account suggests they relied on XXXX word ; if so, all parties are complicit in re-reporting false data. Experian and Equifax had an obligation under FCRA 611 to ensure the furnishers certification was legitimate before reinstating the item they apparently failed in this obligation.\n\n4. Unfair and Deceptive Acts and Practices ( UDAP ) : The conduct of Experian and Equifax constitutes unfair or deceptive trade practices in violation of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and state consumer protection laws. Reinserting a previously deleted, disputed debt without notice is inherently deceptive, as it misleads the consumer and any third-party viewing the report about the legitimacy of the debt. It is also unfair, as it causes substantial injury ( credit damage and emotional distress ) that the consumer can not reasonably avoid, with no countervailing benefit. These credit bureaus are systemically betraying consumer trust and public policy by flouting dispute resolutions and secretly re-aging debts. In fact, the CFPB has recently taken enforcement action underscoring how both Equifax and Experian have engaged in systemic violations related to dispute handling and reinsertion : Equifax was found to have allowed previously deleted inaccuracies to be reinserted into credit reports, leading to a {$15.00} million penalty in XXXX  and Experian was sued in 2025 for failing to properly investigate disputes and reinserting errors on credit reports. This shows that what I am experiencing is not an isolated mistake but part of a pattern of willful misconduct by these bureaus. Experian and Equifaxs actions in my case mirror the very abuses identified by regulators ( e.g. sham investigations and unlawful reinsertion ), proving their knowing non-compliance despite being on notice. It is deeply deceptive and unethical for Experian and Equifax to present themselves as purveyors of accurate credit data while deliberately reintroducing information they know to be false. Such behavior also violates the spirit of the Consumer Financial Protection Act ( under which the CFPB can deem practices unfair or abusive ). \nXXXX. Debt Slavery and Potential Extortionate Conduct : By continuously reporting a false debt that I do not owe, Experian and Equifax have effectively shackled me to a debt that is entirely fabricated. This situation feels like a form of * * debt bondage or debt slavery, wherein I, the consumer, am being forced to suffer indefinite credit harm unless I somehow pay or resolve a debt that isnt mine. This term is not used lightly the practice of coercing payment by damaging someones credit is akin to using extortion. In fact, using credit reporting as a weapon to pressure consumers into paying illegitimate debts can be seen as an extortionate means of debt collection. Under 18 U.S.C. 894, it is a federal crime to use extortionate means ( including coercion or implicit threats ) to collect a debt, punishable by up to 20 years in prison. While Experian and Equifax are not traditional debt collectors, their willful perpetuation of false credit data serves to coerce me into paying or dealing with the fraudulent XXXX account to regain my financial freedom. They are facilitating XXXX attempted collection through extortionate damage to my reputation. I want to put Experian and Equifax on notice that this behavior is not just a civil violation it veers into potentially criminal territory. By knowingly participating in the continued reporting of a bogus debt ( after being informed of its false nature through disputes and a prior CFPB complaint ), they are participat [ ing ] in the use ofextortionate means to collect an extension of credit. If they do not cease, I will be urging regulators and law enforcement to investigate these actions under relevant criminal statutes. No consumer should be held financial hostage by false information in this manner.\n\nIn summary, Experian and Equifax have violated the FCRA, the FTC Act, and possibly criminal laws through their handling of my case. Their actions are knowing, willful, and part of a broader pattern of ignoring consumer rights. \n\nPrior CFPB Complaint & Willful Non-Compliance This is my second CFPB complaint on this matter. I previously submitted a CFPB complaint on XX/XX/year>, detailing the issues with this XXXX account and the improper conduct of Experian and Equifax. That prior complaint put both bureaus on explicit notice of the accounts fraudulent nature and their legal obligations. Equifax and Experian were thus fully aware as of early XX/XX/year> that : ( a ) the XXXX account did not belong to me, had been deleted for lack of verifiability, and ( b ) any reinsertion would be unlawful without following FCRA protocols. Despite this, they have failed to take corrective action and allowed the situation to deteriorate further. The fact that the account remains ( or was reinserted ) after my XX/XX/XXXX complaint demonstrates a knowing and willful violation. They are not making a mistake in good faith they are consciously flouting the law. This willfulness entitles me to enhanced remedies under the FCRA ( such as punitive damages ). It also indicates that internal compliance and back-office teams at these bureaus are either negligently incompetent or intentionally abusing the system. In either case, accountability is required. \n\nI urge the CFPB to review my prior complaint ( including any responses, or lack thereof, from Experian/Equifax ) as context. The bureaus disregard of a regulator-facilitated complaint process highlights their brazen attitude. If a CFPB complaint could not compel them to simply obey the law and remove a known false account, it evidences a systemic problem and a willful contempt for consumer protection laws on the part of these companies. It is also evidence that stronger action such as supervisory or enforcement intervention may be needed by CFPB in addition to resolving my individual issue.\n\nImpact on Complainant ( Damages ) Experian and Equifaxs actions have caused me substantial harm, both emotionally and financially : Emotional Distress : I have suffered anxiety, stress, and loss of peace of mind knowing that a blatantly false account is tarnishing my credit. I constantly worry about who sees this misinformation be it lenders, employers, or landlords and what they might think. The situation has caused me sleepless nights and feelings of powerlessness. It is deeply traumatic to be effectively accused of owing a debt that was a result of identity theft. The reinsertion incident done secretly has further eroded my trust in the credit reporting system. I feel harassed and abused by the very agencies that are supposed to maintain fair and accurate credit files. This emotional toll is real and significant. \nDamage to Credit Standing : The false XXXX account has negatively impacted my credit score and credit profile. It is likely being reported with derogatory information ( e.g. a fraudulent balance, late payments or charge-off status that are not mine ), which lowers my credit score unjustly. As a result, I have been denied credit or offered credit at much higher interest rates than I deserve. For example, after this account reappeared, I noticed a drop in my credit score and have received credit card denials that cite serious delinquency or accounts in collection which align with the bogus XXXX entry. This means I am effectively being financially penalized for a crime committed against me. It is an outrageous situation. \nInterference in Life Opportunities : Because of this inaccurate credit information, my access to housing and employment may also be hindered. Many landlords and employers check credit reports. I now live in fear that an apartment application or even a job offer could be jeopardized by Experian and Equifax reporting me as delinquent on a fraudulent debt. This is causing immense additional stress and potentially limiting my economic opportunities. Such ripple effects are exactly why FCRA exists and why its violation is so serious. \nFinancial Costs and Time Loss : I have spent countless hours disputing, monitoring, and attempting to resolve this issue time that I should have been spending on my job and family. Ive incurred costs for mailing dispute letters, possibly credit monitoring services, and other expenses trying to protect myself. I am also preparing to file police reports or additional identity theft affidavits, which is an onerous process. All these burdens exist solely because Experian and Equifax failed to do their jobs correctly. They should compensate me for these losses. Moreover, I intend to seek statutory damages for each willful FCRA violation ( up to {$1000.00} each ) and any actual damages in a court of law if this is not promptly resolved, as allowed by FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ). The FCRA provides for even punitive damages for willful violations, which I will pursue given the egregious and knowing nature of this misconduct. \n\nIn summary, the negligence and willful misconduct of Experian and Equifax have caused me intense emotional suffering and put me at risk of tangible financial harm. They must be held accountable for these damages. I ask the CFPB to consider these impacts and use its full authority to obtain relief and deterrence. \n\nRelief Demanded Given the above facts and violations, I am seeking the following immediate relief and remedies to resolve my complaint : Permanent Deletion of the XXXX XXXXccount : Immediately and permanently delete the XXXX  account from all of my credit reports at Experian, Equifax, and TransUnion ( if it appears there ). This deletion should occur without possibility of reinsertion. The account is fraudulent, unverified, and unverifiable it must be removed for good. \nWritten Confirmation of Deletion and Cessation : Provide me with written confirmation ( from a high-level representative of Experian and Equifax ) that the XXXX XXXXcount has been deleted and will not be reported again under my file. This documentation should be provided within five ( 5 ) business days of your receipt of this complaint and should be on official letterhead, signed by a person with authority. It must state that Experian and Equifax will cease all reporting and use of this account data in any consumer report or credit score relating to me. In essence, I want proof that this account is gone and will stay gone permanently. \nDocumentation of Any Reinsertion Actions : I demand full documentation and disclosure of how this account was reinserted. This includes : any certification of accuracy XXXX provided, the date and method of reinsertion, the internal records showing the decision process for reinsertion, and identification of the employees or agents involved in approving the reinsertion at Experian and Equifax. I have a right to this information, especially given that the FCRA entitles me to know the furnishers details and that a reinsertion occurred ( which I was never told ). I want to see how such a mistake was allowed to happen despite the law and a prior dispute. \nIdentity Theft Block Implementation : Upon receipt of my FTC Identity Theft Report and request, Experian and Equifax must immediately block the reporting of the XXXX XXXXccount ( as well as any inquiries or derivative information related to it ) in my credit file, pursuant to 15 U.S.C. 1681c-2. This block must be put in place within 4 business days of my providing the required documentation, and I should receive confirmation of the block. After blocking, the bureaus must not reinsert or un-block the item unless permitted by the narrow exceptions in the law ( which do not apply here, as this is a clear case of identity theft, not an error or frivolous claim ). \nCease & Desist Order to XXXX XXXX XXXX request that CFPB forward a cease-and-desist notice to XXXX XXXX XXXX XXXX through this complaint process as well. XXXX must be instructed to cease all furnishing of this account data to any credit reporting agency. They should also cease any collection activities on this account, including harassing calls or communications ( I have received collection calls regarding this account in the past, which is outrageous since its not mine ). XXXX should be on notice that they face legal liability if they continue to pursue a victim of identity theft for this debt. While XXXX is not the primary subject of this complaint, their cooperation is necessary for a complete resolution. They should investigate their own records, recognize this account as fraudulent, close it, and not sell or transfer it ( if they havent already ). \nUpdated Credit Reports : After deletion and blocking, I demand updated copies of my Experian and Equifax credit reports ( at no charge to me ) to verify that the XXXX account has been removed. Additionally, my credit scores should be recalculated without the influence of this derogatory item, and I should be provided some assurance that any lingering negative impact ( such as low score or risk flags caused by the account ) has been fully mitigated. \nGoodwill Measures for Damage Done : While the immediate deletion is top priority, I also ask that Experian and Equifax take steps to mitigate the damage Ive suffered. For instance, they should assist me in notifying any recent creditors who pulled my report that the derogatory information was erroneous ( so I can perhaps get credit reconsidered ). They should also consider offering me a period of complimentary credit monitoring or other services to help regain my confidence, given how their failures have increased my risk. At minimum, I expect an apology and acknowledgment of error from both companies. \n\nAll the above actions are necessary to make me whole and prevent further harm. I expect these remedies to be carried out immediately upon receipt of this complaint. I will not accept half-measures ( such as a temporary deletion or a vague promise ). I want concrete, verifiable action and documentation. \n\nAccountability and Further Actions It is not enough to simply delete the account now that the damage is done ; Experian and Equifax must also be held accountable so that they do not repeat such conduct. I am therefore requesting that beyond the individual relief, the CFPB consider the following measures and that Experian and Equifax acknowledge these steps : Internal Disciplinary Action : Experian and Equifax should investigate the actions of their employees and automated systems that led to this unlawful reinsertion. The back-office compliance and dispute teams responsible must be retrained, disciplined, or removed if they willfully violated protocols. I demand that the companies report what internal corrective action they are taking ( e.g., if a particular department failed to send the notice, what is being done about it? ). Individual accountability is important those who knowingly broke the law should face professional consequences. \nCompliance Review and Certification : I call on Experian and Equifax to conduct a thorough compliance review of their reinvestigation and reinsertion procedures, and to certify to the CFPB ( and to me in writing ) that they have implemented measures to prevent such unlawful reinsertion in the future. This might include improved system checks to enforce the FCRA 5-day notice rule and stronger verification requirements before any deleted data can be re-reported. Given the CFPBs findings of widespread issues at these bureaus, a proactive compliance step is warranted.\n\nRegulatory Enforcement : I respectfully urge the CFPB to use its supervisory and enforcement authority in this case. These violations go beyond my individual incident ; they reflect broader problems. If not already under an enforcement action, Experians and Equifaxs behavior here might merit inclusion in any ongoing CFPB oversight of credit reporting agencies. The CFPB should ensure they pay penalties if appropriate, just as Equifax was fined for similar issues earlier in 2025. A strong regulatory response will incentivize compliance and show the industry that reinsertions without notice and related abuses will not be tolerated. \nCivil Litigation : If Experian and Equifax do not fully remedy this situation, I am prepared to pursue a civil lawsuit for FCRA and related violations. I will seek all available damages statutory, actual, and punitive for their willful noncompliance. As noted, willful FCRA violations can result in significant financial penalties and even punitive damages. I am also aware that each failure to comply ( each improper reinsertion and each lack of notice ) can be a separate violation, potentially multiplying the statutory damages. I would prefer to avoid litigation, but I will not hesitate if my rights continue to be ignored.\n\nCriminal Referral : Given the hints of collusion and willful data manipulation in this case, I also put Experian and Equifax on notice that I may seek a referral to the FTC, state Attorneys General, or even the Department of Justice for investigation into potential criminal law violations. As discussed, using false credit reporting to extort payment can violate federal criminal law ( 18 U.S.C. 894 ). Additionally, if any individual at the bureaus altered or suppressed the required consumer notice or tampered with my dispute, that could be considered mail or wire fraud. Knowingly providing false information to a federal regulator ( if they respond to CFPB with false claims ) can also be a crime. I urge the companies to consider their personal and corporate exposure here. This is not a standard, low-level error its a willful act that carries legal risk.\n\nPersonal Accountability of Management : I demand that upper management at Experian and Equifax acknowledge this complaint and take responsibility. Often these kinds of problems stem from corporate policies that prioritize profit or appeasing furnishers over consumers rights. I want to see a statement from a senior compliance officer or executive that they have reviewed my case and are ensuring compliance going forward. If this does not happen, it further evidences a culture of compliance failure, which I will report to the CFPB and appropriate authorities.\n\nLegislative and Public Policy Note It is worth noting that public policy is moving in a direction to further protect consumers from exactly the kind of harm Ive experienced. For example, in XX/XX/year> the state of Washington enacted XXXX XXXX XXXX, a law that prohibits collection agencies from reporting medical debt to credit bureaus, effectively ensuring that certain sensitive and often disputable debts ( like medical bills ) do not haunt consumers credit reports. This law was passed to protect consumers from unfair credit reporting practices that can ruin lives. The spirit of such legislation is to recognize that some debts or accounts should not be on credit reports at all due to their potential for error or harm. Similarly, federal regulators ( CFPB ) have been working on rules to curb credit reporting of medical debt and other abusive reporting practices. \n\nWhile my case is about a financial account, not medical, the principle is the same unauthorized or erroneous accounts must not be reported. XXXX XXXX and related initiatives show a growing consensus that consumers need stronger protections against improper credit reporting of any debt that is not valid or fair. By continuing to report a clearly unauthorized account, Experian and Equifax are acting contrary to this public policy trend and against the principles of fairness. In fact, their actions would be condemnable under any stricter regime contemplated by lawmakers. I cite this to urge the CFPB to act decisively consumers like me should not have to fight these battles when the law and emerging policies are on our side.","date_sent_to_company":"2025-05-21T18:01:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"13642578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T16:37:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This documentation should be provided <em>within</em> five ( 5 ) <em>business</em> <em>days</em> of your <em>receipt</em> of this complaint and should be on official letterhead, signed by a person with authority. It must state that Experian and Equifax will cease all reporting and use of this account data in any consumer report or credit score relating to me. In essence, I want proof that this account is gone and will stay gone permanently."]},"sort":[7.922018,"13642578"]},{"_index":"complaint-public-v1","_id":"13642769","_score":7.8898287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Introduction & Summary of Complaint I, XXXX XXXX, hereby submit this second formal complaint against Experian and Equifax for their willful and unlawful handling of a fraudulent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account on my credit reports. This account was previously deleted from all of my credit files ( as of XX/XX/year> ) after being confirmed inaccurate and unauthorized, yet it has been reinserted without any notice to me a blatant violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) ( ii ). The reinsertion of this deleted account is fraudulent, deceptive, and has caused me severe emotional and financial harm. I write to demand immediate relief and to hold Experian and Equifax accountable for this egregious breach of my consumer rights. \n\nSummary of Issues : Illegal Reinsertion without Notice : A XXXX  account not belonging to me was deleted after dispute, but Experian and Equifax reinserted it into my credit reports without providing the required written notice within 5 business days, violating federal law.\n\nUnauthorized/Stolen Account : The XXXX account in question is the result of unauthorized use of my identity effectively a stolen account that I never opened, authorized, or benefited from. It should never have been reported under my name. \nPattern of Misconduct : Experian and Equifax have demonstrated a pattern of deceptive trade practices and systemic misconduct, ignoring my prior CFPB complaint ( filed XX/XX/year> ) and continuing to report false information. This knowing failure to correct their practices shows a willful violation of the FCRA and other consumer protection laws. \nConsumer Harm : I am suffering significant emotional distress ( anxiety, sleeplessness, and humiliation ) and financial injury ( damage to my credit scores, denial of credit opportunities, and higher costs ) due to their negligence and willful non-compliance. I have been forced to expend time and resources to address a fictitious debt, which is ruining my financial reputation through no fault of my own. \n\nI urge the CFPB to take this complaint with utmost seriousness. Below, I provide detailed facts, legal violations, and the relief sought. My goal is the permanent deletion of this bogus account and accountability for those responsible, so that no other consumer endures this debt slavery being trapped by a false debt on their credit report. \n\nBackground : Deleted Account Illegally Reinserted XXXX  Account Details : The account at issue is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that was fraudulently opened or attributed to me without my authorization. After discovering it on my credit reports, I disputed the account with all credit bureaus. As a result, by XX/XX/year>, the account was deleted from my Experian and Equifax reports ( indicating it was unverified/inaccurate ). I have official dispute results confirming that the XXXX tradeline was removed due to lack of verification or accuracy. \n\nReinsertion without Notice : Shockingly, in XX/XX/year>, I found that this XXXX account had been reinserted into my Experian and Equifax credit files without any advance notice or explanation. I never received the written notice that is required within XXXX business days of reinsertion under the FCRA. In fact, I received no communication whatsoever from Experian or Equifax informing me that they were adding this previously-deleted item back onto my reports. This clandestine reinsertion is illegal. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) lays out strict conditions for reinserting deleted information : Certification Requirement : A deleted item may not be reinserted unless the furnisher certifies the information is complete and accurate.\n\nConsumer Notice Requirement : If a deleted item is reinserted, the credit bureau shall notify the consumer in writing within XXXX business days of the reinsertion, including details of the furnisher and the consumers rights. \n\nExperian and Equifax appear to have violated both provisions. They either reinserted the account without obtaining a valid certification of accuracy, or accepted a dubious certification despite the account being previously deemed unverifiable. In either case, they failed to notify me in writing of the reinsertion within the 5-day window ( or at all ). This is a direct violation of federal law. By law, the absence of timely notice alone renders the reinsertion unlawful. The violation is clear-cut and inexcusable.\n\nNo New Information or Valid Basis : There was no legitimate new information that could suddenly make this account verified. The account remains fraudulent and inaccurate. Its prior deletion establishes that XXXX could not verify it as my debt. Any purported certification by XXXX to re-report this account is highly suspect and likely false. Therefore, the reinsertion is not only procedurally improper, but also a substantive act of fraud re-reporting information known to be unverifiable and false. I have strong reason to believe this reinsertion was done in bad faith, possibly as part of a collusive arrangement between XXXX and the credit bureaus to push a bogus debt onto my reports. ( Notably, XXXX stands to benefit from having the account reappear, as it pressures me to pay or settle a debt I do not owe. Experian and Equifaxs willingness to violate the law in this manner raises the question of whether they are receiving fees or other incentives for such illicit reinsertions an unlawful collusion and abuse of the credit reporting system. ) Lack of Notice to Complainant : To reiterate, I was completely blindsided by the reappearance of this account. I only discovered the reinsertion by monitoring my credit no notice came from Experian or Equifax. This lack of notice deprived me of the opportunity to immediately dispute or block the reinserted entry, which is exactly the kind of harm the FCRAs notice requirement is meant to prevent. The bureaus secretive action demonstrates a willful disregard for my rights and basic fairness. \n\nUnauthorized Account & Identity Theft The XXXX account is fraudulent it does not belong to me. It appears to be an account opened or used by someone else ( or created due to identity theft ), which was then incorrectly attributed to me on my credit file. I have never had any business relationship with XXXX XXXX XXXX XXXX. This account is the result of identity theft or mistaken identity, and it was already acknowledged as such when it was deleted after my initial dispute. \n\nAccount Was Stolen/Inaccurate : For clarity, this account is essentially a stolen account either opened using my personal information without my permission, or erroneously reported under my name when it pertains to another individual. It is an inaccurate trade line that should never have been reported on my credit in the first place. By reinserting this account, Experian and Equifax are effectively reporting bogus debt information against an innocent consumer ( myself ). This is beyond negligent ; it is a knowing dissemination of false information. \n\nXXXX. FCRA 623 Violations by Furnisher ( XXXX ) : While this complaint is directed at the credit bureaus, it must be noted that XXXX, as the furnisher, XXXX have violated its own legal duties. If XXXX certified the account as accurate despite it being fraudulent, XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. XXXX also failed to conduct a good-faith reinvestigation upon my disputes and apparently re-furnished the disputed information without any new proof of validity a potential violation of FCRA 623 ( b ) duties to investigate and correct. These actions by XXXX amount to furnishing false credit information and could not have been done in good faith. I am including this point because Experian and Equifaxs reinsertion of the account suggests they relied on XXXX word ; if so, all parties are complicit in re-reporting false data. Experian and Equifax had an obligation under FCRA 611 to ensure the furnishers certification was legitimate before reinstating the item they apparently failed in this obligation.\n\n4. Unfair and Deceptive Acts and Practices ( UDAP ) : The conduct of Experian and Equifax constitutes unfair or deceptive trade practices in violation of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and state consumer protection laws. Reinserting a previously deleted, disputed debt without notice is inherently deceptive, as it misleads the consumer and any third-party viewing the report about the legitimacy of the debt. It is also unfair, as it causes substantial injury ( credit damage and emotional distress ) that the consumer can not reasonably avoid, with no countervailing benefit. These credit bureaus are systemically betraying consumer trust and public policy by flouting dispute resolutions and secretly re-aging debts. In fact, the CFPB has recently taken enforcement action underscoring how both Equifax and Experian have engaged in systemic violations related to dispute handling and reinsertion : Equifax was found to have allowed previously deleted inaccuracies to be reinserted into credit reports, leading to a {$15.00} million penalty in XXXX  and Experian was sued in 2025 for failing to properly investigate disputes and reinserting errors on credit reports. This shows that what I am experiencing is not an isolated mistake but part of a pattern of willful misconduct by these bureaus. Experian and Equifaxs actions in my case mirror the very abuses identified by regulators ( e.g. sham investigations and unlawful reinsertion ), proving their knowing non-compliance despite being on notice. It is deeply deceptive and unethical for Experian and Equifax to present themselves as purveyors of accurate credit data while deliberately reintroducing information they know to be false. Such behavior also violates the spirit of the Consumer Financial Protection Act ( under which the CFPB can deem practices unfair or abusive ). \nXXXX. Debt Slavery and Potential Extortionate Conduct : By continuously reporting a false debt that I do not owe, Experian and Equifax have effectively shackled me to a debt that is entirely fabricated. This situation feels like a form of * * debt bondage or debt slavery, wherein I, the consumer, am being forced to suffer indefinite credit harm unless I somehow pay or resolve a debt that isnt mine. This term is not used lightly the practice of coercing payment by damaging someones credit is akin to using extortion. In fact, using credit reporting as a weapon to pressure consumers into paying illegitimate debts can be seen as an extortionate means of debt collection. Under 18 U.S.C. 894, it is a federal crime to use extortionate means ( including coercion or implicit threats ) to collect a debt, punishable by up to 20 years in prison. While Experian and Equifax are not traditional debt collectors, their willful perpetuation of false credit data serves to coerce me into paying or dealing with the fraudulent XXXX account to regain my financial freedom. They are facilitating XXXX attempted collection through extortionate damage to my reputation. I want to put Experian and Equifax on notice that this behavior is not just a civil violation it veers into potentially criminal territory. By knowingly participating in the continued reporting of a bogus debt ( after being informed of its false nature through disputes and a prior CFPB complaint ), they are participat [ ing ] in the use ofextortionate means to collect an extension of credit. If they do not cease, I will be urging regulators and law enforcement to investigate these actions under relevant criminal statutes. No consumer should be held financial hostage by false information in this manner.\n\nIn summary, Experian and Equifax have violated the FCRA, the FTC Act, and possibly criminal laws through their handling of my case. Their actions are knowing, willful, and part of a broader pattern of ignoring consumer rights. \n\nPrior CFPB Complaint & Willful Non-Compliance This is my second CFPB complaint on this matter. I previously submitted a CFPB complaint on XX/XX/year>, detailing the issues with this XXXX account and the improper conduct of Experian and Equifax. That prior complaint put both bureaus on explicit notice of the accounts fraudulent nature and their legal obligations. Equifax and Experian were thus fully aware as of early XX/XX/year> that : ( a ) the XXXX account did not belong to me, had been deleted for lack of verifiability, and ( b ) any reinsertion would be unlawful without following FCRA protocols. Despite this, they have failed to take corrective action and allowed the situation to deteriorate further. The fact that the account remains ( or was reinserted ) after my XX/XX/XXXX complaint demonstrates a knowing and willful violation. They are not making a mistake in good faith they are consciously flouting the law. This willfulness entitles me to enhanced remedies under the FCRA ( such as punitive damages ). It also indicates that internal compliance and back-office teams at these bureaus are either negligently incompetent or intentionally abusing the system. In either case, accountability is required. \n\nI urge the CFPB to review my prior complaint ( including any responses, or lack thereof, from Experian/Equifax ) as context. The bureaus disregard of a regulator-facilitated complaint process highlights their brazen attitude. If a CFPB complaint could not compel them to simply obey the law and remove a known false account, it evidences a systemic problem and a willful contempt for consumer protection laws on the part of these companies. It is also evidence that stronger action such as supervisory or enforcement intervention may be needed by CFPB in addition to resolving my individual issue.\n\nImpact on Complainant ( Damages ) Experian and Equifaxs actions have caused me substantial harm, both emotionally and financially : Emotional Distress : I have suffered anxiety, stress, and loss of peace of mind knowing that a blatantly false account is tarnishing my credit. I constantly worry about who sees this misinformation be it lenders, employers, or landlords and what they might think. The situation has caused me sleepless nights and feelings of powerlessness. It is deeply traumatic to be effectively accused of owing a debt that was a result of identity theft. The reinsertion incident done secretly has further eroded my trust in the credit reporting system. I feel harassed and abused by the very agencies that are supposed to maintain fair and accurate credit files. This emotional toll is real and significant. \nDamage to Credit Standing : The false XXXX account has negatively impacted my credit score and credit profile. It is likely being reported with derogatory information ( e.g. a fraudulent balance, late payments or charge-off status that are not mine ), which lowers my credit score unjustly. As a result, I have been denied credit or offered credit at much higher interest rates than I deserve. For example, after this account reappeared, I noticed a drop in my credit score and have received credit card denials that cite serious delinquency or accounts in collection which align with the bogus XXXX entry. This means I am effectively being financially penalized for a crime committed against me. It is an outrageous situation. \nInterference in Life Opportunities : Because of this inaccurate credit information, my access to housing and employment may also be hindered. Many landlords and employers check credit reports. I now live in fear that an apartment application or even a job offer could be jeopardized by Experian and Equifax reporting me as delinquent on a fraudulent debt. This is causing immense additional stress and potentially limiting my economic opportunities. Such ripple effects are exactly why FCRA exists and why its violation is so serious. \nFinancial Costs and Time Loss : I have spent countless hours disputing, monitoring, and attempting to resolve this issue time that I should have been spending on my job and family. Ive incurred costs for mailing dispute letters, possibly credit monitoring services, and other expenses trying to protect myself. I am also preparing to file police reports or additional identity theft affidavits, which is an onerous process. All these burdens exist solely because Experian and Equifax failed to do their jobs correctly. They should compensate me for these losses. Moreover, I intend to seek statutory damages for each willful FCRA violation ( up to {$1000.00} each ) and any actual damages in a court of law if this is not promptly resolved, as allowed by FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ). The FCRA provides for even punitive damages for willful violations, which I will pursue given the egregious and knowing nature of this misconduct. \n\nIn summary, the negligence and willful misconduct of Experian and Equifax have caused me intense emotional suffering and put me at risk of tangible financial harm. They must be held accountable for these damages. I ask the CFPB to consider these impacts and use its full authority to obtain relief and deterrence. \n\nRelief Demanded Given the above facts and violations, I am seeking the following immediate relief and remedies to resolve my complaint : Permanent Deletion of the XXXX XXXXccount : Immediately and permanently delete the XXXX  account from all of my credit reports at Experian, Equifax, and TransUnion ( if it appears there ). This deletion should occur without possibility of reinsertion. The account is fraudulent, unverified, and unverifiable it must be removed for good. \nWritten Confirmation of Deletion and Cessation : Provide me with written confirmation ( from a high-level representative of Experian and Equifax ) that the XXXX XXXXcount has been deleted and will not be reported again under my file. This documentation should be provided within five ( 5 ) business days of your receipt of this complaint and should be on official letterhead, signed by a person with authority. It must state that Experian and Equifax will cease all reporting and use of this account data in any consumer report or credit score relating to me. In essence, I want proof that this account is gone and will stay gone permanently. \nDocumentation of Any Reinsertion Actions : I demand full documentation and disclosure of how this account was reinserted. This includes : any certification of accuracy XXXX provided, the date and method of reinsertion, the internal records showing the decision process for reinsertion, and identification of the employees or agents involved in approving the reinsertion at Experian and Equifax. I have a right to this information, especially given that the FCRA entitles me to know the furnishers details and that a reinsertion occurred ( which I was never told ). I want to see how such a mistake was allowed to happen despite the law and a prior dispute. \nIdentity Theft Block Implementation : Upon receipt of my FTC Identity Theft Report and request, Experian and Equifax must immediately block the reporting of the XXXX XXXXccount ( as well as any inquiries or derivative information related to it ) in my credit file, pursuant to 15 U.S.C. 1681c-2. This block must be put in place within 4 business days of my providing the required documentation, and I should receive confirmation of the block. After blocking, the bureaus must not reinsert or un-block the item unless permitted by the narrow exceptions in the law ( which do not apply here, as this is a clear case of identity theft, not an error or frivolous claim ). \nCease & Desist Order to XXXX XXXX XXXX request that CFPB forward a cease-and-desist notice to XXXX XXXX XXXX XXXX through this complaint process as well. XXXX must be instructed to cease all furnishing of this account data to any credit reporting agency. They should also cease any collection activities on this account, including harassing calls or communications ( I have received collection calls regarding this account in the past, which is outrageous since its not mine ). XXXX should be on notice that they face legal liability if they continue to pursue a victim of identity theft for this debt. While XXXX is not the primary subject of this complaint, their cooperation is necessary for a complete resolution. They should investigate their own records, recognize this account as fraudulent, close it, and not sell or transfer it ( if they havent already ). \nUpdated Credit Reports : After deletion and blocking, I demand updated copies of my Experian and Equifax credit reports ( at no charge to me ) to verify that the XXXX account has been removed. Additionally, my credit scores should be recalculated without the influence of this derogatory item, and I should be provided some assurance that any lingering negative impact ( such as low score or risk flags caused by the account ) has been fully mitigated. \nGoodwill Measures for Damage Done : While the immediate deletion is top priority, I also ask that Experian and Equifax take steps to mitigate the damage Ive suffered. For instance, they should assist me in notifying any recent creditors who pulled my report that the derogatory information was erroneous ( so I can perhaps get credit reconsidered ). They should also consider offering me a period of complimentary credit monitoring or other services to help regain my confidence, given how their failures have increased my risk. At minimum, I expect an apology and acknowledgment of error from both companies. \n\nAll the above actions are necessary to make me whole and prevent further harm. I expect these remedies to be carried out immediately upon receipt of this complaint. I will not accept half-measures ( such as a temporary deletion or a vague promise ). I want concrete, verifiable action and documentation. \n\nAccountability and Further Actions It is not enough to simply delete the account now that the damage is done ; Experian and Equifax must also be held accountable so that they do not repeat such conduct. I am therefore requesting that beyond the individual relief, the CFPB consider the following measures and that Experian and Equifax acknowledge these steps : Internal Disciplinary Action : Experian and Equifax should investigate the actions of their employees and automated systems that led to this unlawful reinsertion. The back-office compliance and dispute teams responsible must be retrained, disciplined, or removed if they willfully violated protocols. I demand that the companies report what internal corrective action they are taking ( e.g., if a particular department failed to send the notice, what is being done about it? ). Individual accountability is important those who knowingly broke the law should face professional consequences. \nCompliance Review and Certification : I call on Experian and Equifax to conduct a thorough compliance review of their reinvestigation and reinsertion procedures, and to certify to the CFPB ( and to me in writing ) that they have implemented measures to prevent such unlawful reinsertion in the future. This might include improved system checks to enforce the FCRA 5-day notice rule and stronger verification requirements before any deleted data can be re-reported. Given the CFPBs findings of widespread issues at these bureaus, a proactive compliance step is warranted.\n\nRegulatory Enforcement : I respectfully urge the CFPB to use its supervisory and enforcement authority in this case. These violations go beyond my individual incident ; they reflect broader problems. If not already under an enforcement action, Experians and Equifaxs behavior here might merit inclusion in any ongoing CFPB oversight of credit reporting agencies. The CFPB should ensure they pay penalties if appropriate, just as Equifax was fined for similar issues earlier in 2025. A strong regulatory response will incentivize compliance and show the industry that reinsertions without notice and related abuses will not be tolerated. \nCivil Litigation : If Experian and Equifax do not fully remedy this situation, I am prepared to pursue a civil lawsuit for FCRA and related violations. I will seek all available damages statutory, actual, and punitive for their willful noncompliance. As noted, willful FCRA violations can result in significant financial penalties and even punitive damages. I am also aware that each failure to comply ( each improper reinsertion and each lack of notice ) can be a separate violation, potentially multiplying the statutory damages. I would prefer to avoid litigation, but I will not hesitate if my rights continue to be ignored.\n\nCriminal Referral : Given the hints of collusion and willful data manipulation in this case, I also put Experian and Equifax on notice that I may seek a referral to the FTC, state Attorneys General, or even the Department of Justice for investigation into potential criminal law violations. As discussed, using false credit reporting to extort payment can violate federal criminal law ( 18 U.S.C. 894 ). Additionally, if any individual at the bureaus altered or suppressed the required consumer notice or tampered with my dispute, that could be considered mail or wire fraud. Knowingly providing false information to a federal regulator ( if they respond to CFPB with false claims ) can also be a crime. I urge the companies to consider their personal and corporate exposure here. This is not a standard, low-level error its a willful act that carries legal risk.\n\nPersonal Accountability of Management : I demand that upper management at Experian and Equifax acknowledge this complaint and take responsibility. Often these kinds of problems stem from corporate policies that prioritize profit or appeasing furnishers over consumers rights. I want to see a statement from a senior compliance officer or executive that they have reviewed my case and are ensuring compliance going forward. If this does not happen, it further evidences a culture of compliance failure, which I will report to the CFPB and appropriate authorities.\n\nLegislative and Public Policy Note It is worth noting that public policy is moving in a direction to further protect consumers from exactly the kind of harm Ive experienced. For example, in XX/XX/year> the state of Washington enacted XXXX XXXX XXXX, a law that prohibits collection agencies from reporting medical debt to credit bureaus, effectively ensuring that certain sensitive and often disputable debts ( like medical bills ) do not haunt consumers credit reports. This law was passed to protect consumers from unfair credit reporting practices that can ruin lives. The spirit of such legislation is to recognize that some debts or accounts should not be on credit reports at all due to their potential for error or harm. Similarly, federal regulators ( CFPB ) have been working on rules to curb credit reporting of medical debt and other abusive reporting practices. \n\nWhile my case is about a financial account, not medical, the principle is the same unauthorized or erroneous accounts must not be reported. XXXX XXXX and related initiatives show a growing consensus that consumers need stronger protections against improper credit reporting of any debt that is not valid or fair. By continuing to report a clearly unauthorized account, Experian and Equifax are acting contrary to this public policy trend and against the principles of fairness. In fact, their actions would be condemnable under any stricter regime contemplated by lawmakers. I cite this to urge the CFPB to act decisively consumers like me should not have to fight these battles when the law and emerging policies are on our side.","date_sent_to_company":"2025-05-21T18:00:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"13642769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-21T16:37:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This documentation should be provided <em>within</em> five ( 5 ) <em>business</em> <em>days</em> of your <em>receipt</em> of this complaint and should be on official letterhead, signed by a person with authority. It must state that Experian and Equifax will cease all reporting and use of this account data in any consumer report or credit score relating to me. In essence, I want proof that this account is gone and will stay gone permanently."]},"sort":[7.8898287,"13642769"]},{"_index":"complaint-public-v1","_id":"6420422","_score":7.6264544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion XXXX, XXXX XXXX, a consumer citizen of XXXX sent a letter on XXXX XXXX, via certified mail with request of validation of debts. The letter was received by XXXX XXXX on XX/XX/XXXX. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCPA 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It is upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XXXX, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices. Also, I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by XXXX XXXX XXXX XXXX Account # XXXX in XXXX, they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). XXXX XXXX XXXX XXXX never informed me of my rights. XXXX XXXX XXXX XXXX has the obligation to correct action. ECOA protections extend through the life of loan. This comes about after a consumer sued XXXX XXXX XXXX XXXX for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. The CFPB released XXXX to reiterate creditors ' adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in late XXXX to let XXXX XXXX XXXX XXXX know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information \" late payments and charge off \" on these accounts. I have tried to explain multiple times over the years to XXXX XXXX XXXX XXXX what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT \" I EXTEND CREDIT '' and it is my right to operate in commerce. Does XXXX XXXX XXXX XXXX know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action. \n\nNot only is XXXX XXXX XXXX XXXX appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information \" late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is \" false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which XXXX XXXX XXXX XXXXXXXX XXXX XXXX this 21 days in advance so why are they furnishing negative damaging information \" late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear of them. \n\nAlso there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave them my lawful or legal consent to share my information. And how can XXXX XXXX XXXX XXXX say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX  XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAID BY THE UNITED STATES that's what that Federal Law is clearly stating so XXXX XXXX XXXX XXXX can not use the excuse \" because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a '' a drop in a consumer 's XXXX XXXX '' is a valid reason to deny or cancel a consumer 's extension of credit. So XXXX XXXX XXXX XXXX legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against XXXX XXXX XXXX XXXX against me. \n\nSo again XXXX XXXX has yet to address a dispute for a billing error that was raised in XXXX. They were sent payable instruments for the balance at the time of both accounts. Multiple instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country. XXXX XXXX continues to state that I owe them money for so-called outstanding bills and repayment of the money they \" gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that XXXX XXXX can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. \n\nI am requesting the return of my ANY AND ALL MONIES, down payments, as a cash down payment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days. Because pertinent information was withheld and neither clear nor conspicuous I blindly entered a consumer credit transaction with XXXX XXXX XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX XXXX XXXX claims I owe. XXXX XXXX XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. \nTo add.. \n\nXXXX XXXX XXXX XXXX Has committed several violations under the FDCPA, TILA, FCRA, and many more which they've violated my rights as a consumer. This is not an attempt to collect a debt. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope. \n\nXXXX XXXX XXXX XXXX XXXX was reporting a completely false debt which was causing a denial of the loan. I am a single mother of XXXX and I have been struggling for the past XXXX almost XXXX  years to improve life for our family and give my children a stable home just. I knew the account was not mine so I wrote my first dispute to XXXX XXXX XXXX XXXX XXXX As early as 6 years ago up to as recent as 15 days ago stating that XXXX an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored years ago, I wrote another request and I even attempted to send the FTC REPORT. AND FOR THE POLICE REPORT Turns out you can not get a report if the incident occurred more than 12 months ago. But the FTC Website says either or.. Upon my most recent attempt 10 days later I received a letter from them stating that they found the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated several laws violated and to date they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft, again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person??? \n\n\nIts very XXXX  to know that even thougXXXX XXXX XXXX XXXX XXXX  We still have entities that solicit and have employees working for them that continually break the law.. this places the livelihood and well being of many at risk .. physically, mentally and emotionally. \nMy children are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS IMPOSED UP MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT OR PERMISSION.. we are being looked upon as lower class every day simply because XXXXXXXX XXXX XXXXXXXX AGAINST ME. ABSOLUTELY NOTHING ABOUT THEIR CONTACT WAS CLEAR MOR CONSPICUOUS.. I WAS NOT GIVEN THE OPTION TO OPT OUT AT ANY TIME I have a credit score of XXXX YET IM UNABLE TO OBTAIN OR USE MY CREDIT CARD ANYWHERE .. Im unable to GROW AT MY JOB AND GAIN A BETTER POSITION.. ONE I AM OVERQUALIFIED FOR MAY I ADD.. Simply because of XXXX XXXX horrendous practices to defame my character. \n\nThe following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX- not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt. \n\nXXXX XXXX XXXX Again TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XX/XX/XXXX TRANSUNION 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), XXXX USC 6821 ( a ) ( 1 10/17/2022 To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX, TRANSUNION AND XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.\n\nIf your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, ( Which has long past.. most recent was 2 wks ago ) all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX, TRANSUNION AND XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you XXXX, TRANSUNION AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX, TRANSUNION AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX, TRANSUNION AND XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. No reporting any information regarding said debts as related to the XXXX. \n\nIf any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. \n\n\nTRANSUNION, I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act Experian- has violated my rights. \nThe late payment reporting XXXX XXXX. Account # XXXX XXXX XXXX - Charge Off Closed ( Along with the other aground listed below ) is inaccurate. I never made late payments. During covid a lot of peoples info was mixed up XXXX needs to be deleted.also has violated my rights. During XXXX the data breach has my info exposed. I filed FTC XXXX report. \n\nThese inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B :","date_sent_to_company":"2023-01-11T03:37:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6420422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-11T03:14:25.000Z","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":["The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX- not my account, never done <em>business</em> with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed <em>within</em> 4 <em>Business</em> <em>Days</em> of <em>receipt</em>."]},"sort":[7.6264544,"6420422"]},{"_index":"complaint-public-v1","_id":"6420097","_score":7.6264544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX XXXX, a consumer citizen of XXXX sent a letter on XXXX XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/XXXX. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCPA 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It is upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XXXX, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices. Also, I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by NAVY FEDERAL CREDIT UNION Account # XXXX in XXXX, they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). NAVY FEDERAL CREDIT UNION never informed me of my rights. NAVY FEDERAL CREDIT UNION has the obligation to correct action. ECOA protections extend through the life of loan. This comes about after a consumer sued NAVY FEDERAL CREDIT UNION for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. The CFPB released Circular to reiterate creditors ' adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in late 2018 to let NAVY FEDERAL CREDIT UNION know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information \" late payments and charge off \" on these accounts. I have tried to explain multiple times over the years to NAVY FEDERAL CREDIT UNION what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT \" I EXTEND CREDIT '' and it is my right to operate in commerce. Does NAVY FEDERAL CREDIT UNION know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action.\n\nNot only is NAVY FEDERAL CREDIT UNION appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information \" late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is \" false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which NAVY FEDERAL CREDIT UNION NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information \" late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear of them.\n\nAlso there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave them my lawful or legal consent to share my information. And how can NAVY FEDERAL CREDIT UNION say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAID BY THE UNITED STATES that's what that Federal Law is clearly stating so NAVY FEDERAL CREDIT UNION can not use the excuse \" because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a '' a drop in a consumer 's credit score '' is a valid reason to deny or cancel a consumer 's extension of credit. So NAVY FEDERAL CREDIT UNION legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against NAVY FEDERRAL CREDIT UNION against me.\n\nSo again Navy Federal has yet to address a dispute for a billing error that was raised in XXXX. They were sent payable instruments for the balance at the time of both accounts. Multiple instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they \" gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. \n\nI am requesting the return of my ANY AND ALL MONIES, down payments, as a cash down payment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days. Because pertinent information was withheld and neither clear nor conspicuous I blindly entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claims I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.\n\nTo add..\n\nNAVY FEDERAL CREDIT UNION Has committed several violations under the FDCPA, TILA, FCRA, and many more which they've violated my rights as a consumer. This is not an attempt to collect a debt. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope.\n\nNAVY FEDERAL CREDIT UNION LLC was reporting a completely false debt which was causing a denial of the loan. I am a single mother of 7 and I have been struggling for the past 6 almost 7 years to improve life for our family and give my children a stable home just. I knew the account was not mine so I wrote my first dispute to NAVY FEDERAL CREDIT UNION LLC As early as 6 years ago up to as recent as 15 days ago stating that Im an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored years ago, I wrote another request and I even attempted to send the FTC REPORT. AND FOR THE POLICE REPORT Turns out you can not get a report if the incident occurred more than 12 months ago. But the FTC Website says either or.. Upon my most recent attempt 10 days later I received a letter from them stating that they found the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated several laws violated and to date they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft, again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???\n\nIts very disheartening to know that even though IN XXXX WE TRUST!! We still have entities that solicit and have employees working for them that continually break the law.. this places the livelihood and well being of many at risk .. physically, mentally and emotionally. \nMy children are being bullied in school because I cant afford to clothe them properly, I cant afford to cloth them properly because of the derogatory info NAVY FEDERAL HAS IMPOSED UP MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT OR PERMISSION.. we are being looked upon as lower class every day simply because NAVY FEDERAL DISCRIMINATION AGAINST ME. ABSOLUTELY NOTHING ABOUT THEIR CONTACT WAS CLEAR MOR CONSPICUOUS.. I WAS NOT GIVEN THE OPTION TO OPT OUT AT ANY TIME I have a credit score of XXXX YET IM UNABLE TO OBTAIN OR USE MY CREDIT CARD ANYWHERE .. Im unable to GROW AT MY JOB AND GAIN A BETTER POSITION.. ONE I AM OVERQUALIFIED FOR MAY I ADD.. Simply because of NAVY FCUs horrendous practices to defame my character.\n\nThe following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU- not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt. \n\nXXXX XXXX XXXX Again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), XXXX USC 6821 ( a ) ( XXXX XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX, XXXX AND XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. \n\n\n\nIf your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, ( Which has long past.. most recent was 2 wks ago ) all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX, XXXX AND XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX, XXXX AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX, XXXX AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX, XXXX AND XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. No reporting any information regarding said debts as related to the CRAS. \n\nIf any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. \n\n\nXXXX, I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act XXXX has violated my rights. \nThe late payment reporting NAVY FCU. Account # XXXX XXXX XXXX - Charge Off Closed ( Along with the other aground listed below ) is inaccurate. I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also has violated my rights. During XXXX the data breach has my info exposed. I filed FTC XXXX report. \n\nThese inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B :","date_sent_to_company":"2023-01-11T03:37:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6420097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-01-11T03:37:11.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU- not my account, never done <em>business</em> with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed <em>within</em> 4 <em>Business</em> <em>Days</em> of <em>receipt</em>."]},"sort":[7.6264544,"6420097"]},{"_index":"complaint-public-v1","_id":"6158874","_score":7.582637,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I did not do business with this company santander consumer usa and this is fraudulent santander consumer usa Is a company that is in violation of 15 U.S. Code 1692 and multiple errors blow are the violations and errors I did business with XXXX XXXX XXXX XXXX XXXX so therefore Im am not liable for this debt and exercising my rights 15 U.S. Code 1692 - ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.\n\n( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.\n\n( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.\n\n( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.\n\n( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.\n\nAs used in this subchapter ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection.\n\n( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.\n\n( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.\n\n( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.\n\n( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.\n\n( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.\n\n( 7 ) The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.\n\n( 8 ) The term State means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of XXXX XXXX, or any political subdivision of any of the foregoing. \n\nAny debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.\n\na ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.\n\n( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.\n\n( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.\n\nIf such notice from the consumer is made by mail, notification shall be complete upon receipt.\n\n( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.\n\nA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.\n\n( 4 ) The advertisement for sale of any debt to coerce payment of the debt.\n\n( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.\n\nA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\nA debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\na ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.\n\nIf any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.\n\n( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.\n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.\n\n( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\n( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.\n\n( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional.\n\n( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.\n\n( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.\n\n( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.\n\n( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.\n\n( b ) Applicable provisions of law Subject to subtitle B of the Consumer Financial Protection Act of 2010, compliance with any requirements imposed under this subchapter shall be enforced under ( 1 ) section 8 of the Federal Deposit Insurance Act [ 12 U.S.C. 1818 ], by the appropriate Federal banking agency, as defined in section 3 ( q ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks ; ( 2 ) the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Administrator of the National Credit Union Administration with respect to any Federal credit union ; ( 3 ) subtitle IV of title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; ( 4 ) part A of subtitle VII of title 49, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part ; ( 5 ) the Packers and Stockyards Act, 1921 [ 7 U.S.C. 181 et seq. ] ( except as provided in section 406 of that Act [ 7 U.S.C. 226, 227 ] ), by the Secretary of Agriculture with respect to any activities subject to that Act ; and ( 6 ) subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter.\n\nThe terms used in paragraph ( 1 ) that are not defined in this subchapter or otherwise defined in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).\n\n( c ) Agency powers For the purpose of the exercise by any agency referred to in subsection ( b ) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ), each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection ( d ).\n\n( d ) Rules and regulations Except as provided in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ], the Bureau may prescribe rules with respect to the collection of debts by debt collectors, as defined in this subchapter.\n\na ) Not later than one year after the effective date of this subchapter and at one-year intervals thereafter, the Bureau shall make reports to the Congress concerning the administration of its functions under this subchapter, including such recommendations as the Bureau deems necessary or appropriate. In addition, each report of the Bureau shall include its assessment of the extent to which compliance with this subchapter is being achieved and a summary of the enforcement actions taken by the Bureau under section 1692l of this title.\n\n( b ) In the exercise of its functions under this subchapter, the Bureau may obtain upon request the views of any other Federal agency which exercises enforcement functions under section 1692l of this title.\n\nThis subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.\n\nThe Bureau shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Bureau determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement.","date_sent_to_company":"2022-11-02T16:27:36.000Z","issue":"Getting a loan or lease","sub_product":"Lease","zip_code":"238XX","tags":null,"has_narrative":true,"complaint_id":"6158874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2022-11-02T15:40:38.000Z","state":"VA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["a ) Notice of debt ; contents <em>Within</em> five <em>days</em> after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, <em>within</em> thirty <em>days</em> after <em>receipt</em> of the notice"]},"sort":[7.582637,"6158874"]},{"_index":"complaint-public-v1","_id":"16451807","_score":7.2956257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN XXXX DAYS / FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION ( M.O.V. ) Account in Dispute : XXXX Funding | Acct # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Whom It May Concern, On * * XX/XX/XXXX * *, I submitted a dispute regarding the above-referenced XXXX XXXX account to * * TransUnion * * via the * * XXXX * * portal. XXXX receipt was * * XX/XX/XXXX * *. As of * * XX/XX/XXXX * *, no reinvestigation results have been provided. This exceeds the * * XXXX * * reinvestigation period required by the Fair Credit Reporting Act ( FCRA ). \n\nBecause the statutory window has expired, the item is * * unverified as a matter of law * * and must be * * deleted * *. If TransUnion contends the account was verified, I hereby demand the * * Method of Verification ( M.O.V. ) * *. \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I. SPECIFIC DEFECTS IN TRANSUNIONS REPORTING -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX ) * * Date of Last Activity ( XXXX ) Misrepresentation * * Reported by TransUnion : * * XX/XX/XXXX * * Consumer statement : * * No payments, arrangements, or activity in XXXX * * This suggests potential * * re-aging * *, implicating * * FCRA 623 ( a ) ( 5 ) * * ( accurate reporting of DOFD ) and the obsolescence rules of * * 605 ( a ) * *. \n\nXXXX ) * * Missing Term/Source Type * * Field : * * Blank * * Omitted core account attributes undermine accuracy and verifiability. \n\nXXXX ) * * Logical Inconsistency ( Status vs. Rating ) * * Current Rating : * * Collection/Charge-off * * Status : * * Open * * An account can not be simultaneously * * open * * and * * charged off * *. This is materially misleading. \n\nXXXX ) * * Payment History Data Gap * * Reported : * * No history available. * * Assigning a derogatory rating without substantiating history is unreasonable and misleading. \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. CONTROLLING FCRA PROVISIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * A CRA * * shall complete * * a * * reasonable reinvestigation * * within * * 30 days * * of receiving a dispute.\n\n* * 611 ( a ) ( 5 ) ( A ) * * If information * * can not be verified * *, it * * must be deleted * *.\n\n* * 607 ( b ), 15 U.S.C. 1681e ( b ) * * CRAs must follow procedures to assure * * maximum possible accuracy * *.\n\n* * 623 ( b ) * * Upon CRA notice, furnishers must conduct a * * reasonable investigation * * and correct/delete inaccurate data.\n\n* * 623 ( a ) ( 5 ) * * Furnishers must * * accurately report the date of first delinquency ( DOFD ) * * ( re-aging concerns ).\n\n* * 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) * * After an investigation, the CRA must inform the consumer that a * * description of the procedure * * used to verify is available ; on request, the CRA * * shall provide * * that description ( the * * M.O.V. * * ) * * within XXXX days * *. \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. CASE LAW SUPPORT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * * CRAs must do more than parrot the furnisher ; a * * meaningful * * investigation is required. \n* * XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) * * Verification requires * * actual evidence * *, not conclusory responses. \n* * XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) * * Contradictory/misleading reporting violates the FCRA. \n* * XXXX v. XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) * * Untimely/inadequate reinvestigations and inconsistent data breach FCRA duties. \n* * XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * * Liability for continuing to report * * unverifiable * * information. \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. DEMAND FOR RELIEF -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * A. Deletion ( Missed XXXX Deadline ) : * * TransUnion did not complete a reinvestigation within * * 30 days * * of * * XX/XX/XXXX * *. Under * * 611 ( a ) ( 5 ) ( A ) * *, the XXXX XXXX tradeline must be * * deleted immediately * *. Provide written confirmation and an updated credit report. \n\n* * B. If You Claim Verified : Provide M.O.V. ( XXXX  Days ) : * * If you assert verification, provide the * * full Method of Verification * * within * * XXXX days * * of receiving this letter, including : XXXX ) * * Business name, address, and phone * * of every furnisher/source contacted ; XXXX ) * * Date and method * * of each contact ( e.g., ACDV/e-OSCAR identifiers ) ; XXXX ) A * * description of the procedure * * used to determine accuracy/completeness ; XXXX ) * * All records relied upon * * ( furnisher responses, account application/contract, itemized statements, payment ledger, and DOFD documentation ). \n\n* * Reinsertion Notice : * * Do * * not * * reinsert any deleted information without full compliance with * * 611 ( a ) ( 5 ) ( B ) * * ( certification of accuracy and * * XXXX * * consumer notice ). \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. PRESERVATION OF RIGHTS & NEXT STEPS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is a * * preservation notice * *. Retain all ACDVs, e-OSCAR logs, furnisher responses, internal notes, call recordings, and policies used in my dispute. Continued noncompliance will result in additional complaints to the * * CFPB * * and * * FTC * *, and pursuit of remedies for willful/negligent noncompliance under * * 15 U.S.C. 616617 * * ( statutory, actual, and punitive damages, plus attorneys fees ). \n\nEnclosures ( previously provided ; available upon request ) : Government-issued ID ( Proof of Identity ) Recent bank statement ( Proof of Address ) Screenshot of the TransUnion report showing the disputed entries Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-08T17:31:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11590","tags":null,"has_narrative":true,"complaint_id":"16451807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T17:12:38.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["If You Claim Verified : Provide M.O.V. ( XXXX  <em>Days</em> ) : * * If you assert verification, provide the * * full Method of Verification * * <em>within</em> * * XXXX <em>days</em> * * of receiving this letter, including : XXXX ) * * <em>Business</em> name, address, and phone * * of every furnisher/source contacted ; XXXX ) * * Date and method * * of each contact ( e.g., ACDV/e-OSCAR identifiers ) ; XXXX ) A * * description of the procedure * * used to determine accuracy/completeness ; XXXX ) * * All records relied upon * * ( furnisher"],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[7.2956257,"16451807"]},{"_index":"complaint-public-v1","_id":"2718293","_score":7.036701,"_source":{"product":"Debt collection","complaint_what_happened":"COMPANY DID NOT RESPOND Company never provided any valid evidence of debt within the 30-day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested but sent a printed unsigned ledger nor did they remove any debt from my credit report. Certified Mail # XXXX XXXX ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. \n\nNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. \n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. \n\nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.\nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a )  that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \nXXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.\nVALIDATION. Proving the validity of accuracy of the claim.\nCounter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. \n\nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 )  days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. \n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is  Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...\nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.\n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt  collections. \n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\n14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n15. Provide verification from the stated creditor that you are authorized to act for them.\n16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\n6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\n7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name.\n8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\n9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z.\n10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\n11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account.\n15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\nPursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\nFurther, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt.\nPlease take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IXXXX XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE CREDIT SYSTEMS INTL THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED.\nTAKE NOTICE CREDIT SYSTEMS INTL failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX XXXX. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts.\nD. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type.\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX XXXX XXXX  249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.","date_sent_to_company":"2017-11-02T04:29:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2718293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Systems International, Inc.","date_received":"2017-11-02T00:13:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In order to make <em>arrangements</em> to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, <em>within</em> thirty ( 30 ) <em>days</em> of <em>receipt</em> of this letter. \n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections."]},"sort":[7.036701,"2718293"]},{"_index":"complaint-public-v1","_id":"3551797","_score":7.028964,"_source":{"product":"Debt collection","complaint_what_happened":"Sarma Collections Incorporated never provided any valid evidence of debt within the 30-day time frame from a dispute filed from the alleged debtor. I requested information from the creditor by affidavit ( from a commissioner of the court ) and the company didn't provide any information requested but a printed bill ( with the missing government state identification that must be used to verify debtor ) nor did they remove any debt from my credit report. I have already informed this company that I do not want to contract with their company, not do I have a law and binding contract with their company.\n\nALSO 1 ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed.\n\n1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Sarma Collections Incorporated to pay debt collector which will give your company jurisdiction to report this debt on my credit.\n\nNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom It May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.\n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.\n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.\n\nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.\n\nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.\n\nBLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.\n\nVALIDATION. Proving the validity of accuracy of the claim.\n\nCounter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.\n\nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) One Thousand Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX XXXX ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.\n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\n\nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...\n\nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : XXXX 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.\n\n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX XXXX XXXX XXXX XXXX XXXX  ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.\n\n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\n\n14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n\n15. Provide verification from the stated creditor that you are authorized to act for them.\n\n16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.\n\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\n\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\n\n6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\n\n7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name.\n\n8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\n\n9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z.\n\n10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\n\n11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account.\n\n15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\n\nPursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\n\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\n\nFurther, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt.\n\nPlease take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IE XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE SARMA COLLECTIONS INCORPORATED PER THE BANKING SECRECY ACT AND THE PATRIOT ACT AS WELL AS ALL MONEY INSTRUMENTS TO BE DISCLOSED.\n\nTAKE NOTICE SARMA COLLECTIONS INC. failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX B. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts.\n\nD. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type.\n\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See Eads V Marks 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.","date_sent_to_company":"2020-03-03T07:17:35.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"3551797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sarma","date_received":"2020-03-03T02:07:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In order to make <em>arrangements</em> to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, <em>within</em> thirty ( 30 ) <em>days</em> of <em>receipt</em> of this letter.\n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections."]},"sort":[7.028964,"3551797"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":37,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":37}]}},"product":{"doc_count":37,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10}]}},{"key":"Debt collection","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":4},{"key":"Other debt","doc_count":3},{"key":"Mortgage debt","doc_count":2},{"key":"Medical debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}}]}},"issue":{"doc_count":37,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal information incorrect","doc_count":4},{"key":"Account information incorrect","doc_count":2},{"key":"Information belongs to someone else","doc_count":2}]}},{"key":"Improper use of your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":5}]}},{"key":"Written notification about debt","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":3},{"key":"Didn't receive notice of right to dispute","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":3}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":2}]}},{"key":"Getting a loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":1},{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}}]}},"timely":{"doc_count":37,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":36},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":37,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":32},{"key":"Closed with non-monetary relief","doc_count":5}]}},"submitted_via":{"doc_count":37,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":37}]}},"company":{"doc_count":37,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":4},{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"Mountain Run Solutions, LLC","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"AVANTE","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Clark County Collection Service","doc_count":1},{"key":"Credit Systems International, Inc.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"EdFinancial Services","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"The Receivable Management Services LLC","doc_count":1}]}},"state":{"doc_count":37,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":9},{"key":"CA","doc_count":7},{"key":"GA","doc_count":5},{"key":"FL","doc_count":4},{"key":"WA","doc_count":4},{"key":"NC","doc_count":2},{"key":"NY","doc_count":2},{"key":"IN","doc_count":1},{"key":"NJ","doc_count":1},{"key":"NV","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":37,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":13},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":37,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":8}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[7.029193,"3551797"]}}}