{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":109,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16744263","_score":15.373929,"_source":{"product":"Mortgage","complaint_what_happened":"I am the sole borrower on a Bank of America mortgage. Recently, I discovered that the bank issued a payoff statement without my knowledge or authorization. \nThe payoff request was submitted using a forged signature my ex-wife signed my name to obtain confidential loan information. She is listed on the title only, not the mortgage. \nI contacted Bank of Americas mortgage servicing and compliance departments to request ( a ) the date of the payoff request, ( b ) who made it, and ( c ) a copy of the authorization or signature used. \nThe bank refused to provide any documentation, despite my being the only borrower on the loan. This constitutes : A violation of Regulation P ( 12 CFR 1016 ) under the XXXX XXXX which requires protection of non-public personal financial information. \nA breach of XXXX XXXX XXXX XXXX ( Forgery ), since the authorization used my falsified signature. \nThe unauthorized release of my payoff information has already caused serious financial harm, including damage to my credit, collection calls, and potential misuse of my personal financial data. \nI have written to Bank of Americas Compliance / Privacy Office and XXXX XXXX XXXX, requesting written confirmation of what was released and a copy of the forged authorization. They have refused to provide that documentation. \nI am requesting that the CFPB : Require Bank of America to disclose to me who requested the payoff, what document was used, and when it was released. \nDetermine whether Bank of America violated Regulation P by disclosing confidential borrower information to an unauthorized party. \nEnsure the bank implements a privacy hold so no further disclosures occur without my notarized written consent. \nI am happy to provide copies of my letters to the bank, call logs, and proof that the mortgage is solely in my name.","date_sent_to_company":"2025-10-22T22:29:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Conventional home mortgage","zip_code":"98074","tags":null,"has_narrative":true,"complaint_id":"16744263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-22T22:21:41.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have written to Bank of Americas <em>Compliance</em> / <em>Privacy</em> <em>Office</em> and XXXX XXXX XXXX, requesting written <em>confirmation</em> of <em>what</em> was released and a copy of the forged authorization. They have refused to provide that documentation. \nI am requesting that the CFPB : Require Bank of America to disclose to me who requested the payoff, <em>what</em> document was used, and when it was released."]},"sort":[15.373929,"16744263"]},{"_index":"complaint-public-v1","_id":"11180271","_score":14.734015,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Complaint Against XXXX XXXX XXXX for Bad Faith Contract Cancellation, Unfair Business Practices, and Privacy Violation Complainant : Name : XXXX XXXX Business Being Reported : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact Person : XXXX ( XXXX XXXX ) 1. Summary of Complaint I am filing a complaint against XXXX XXXX XXXX for the following issues : 1. Bad Faith Contract Cancellation 2. Unfair and Deceptive Business Practices 3. Privacy Law Violation 2. Background Details On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX. Shortly after, I was informed that my financing contract was being canceled due to failure to provide proof of residence. \n\n3. The XXXX XXXX Issue Background : My XXXX account was initially under my business address, which I explained to XXXX from the beginning. \nCompliance : To satisfy XXXX  request for a XXXX bill with my home address, I : 1. Contacted XXXX and updated my billing address to my home address. \n2. Obtained a written confirmation from XXXX verifying the address change The Problem : XXXX billing system operates on a monthly cycle, so a new bill reflecting the updated address is not yet available. \nDespite providing the written confirmation of the address change, XXXX continues to insist on the actual XXXX bill and refuses to accept the written confirmation. \nWhy This Is Unreasonable : 1. I have already provided multiple valid proofs of residence, including bank statements, utility bills, pay stubs, and a secondary phone bill.\n\n2. I contacted Santander ( the lender ), who confirmed they do not require a XXXX bill or any additional documentation beyond standard address proof. \n3. XXXX insistence on an unavailable document, despite clear alternative evidence, appears : Arbitrary and Unreasonable : Rejecting valid documentation without explanation.\n\nBad Faith : Ignoring my compliance and efforts to meet their requests.\n\nUnfair Business Practices : Imposing requirements beyond what the lender or law requires.\n\n4. Privacy Breach Upon receiving the vehicle, I discovered a folder inside containing the previous owners sensitive personal information, including : Drivers license number Credit scores and loan details Auto insurance policy numbers Home address and contact details I reported this privacy breach to XXXX, but they have ignored my concerns and failed to take corrective action. This constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ) and California Consumer Privacy Act ( CCPA ).\n\n5. Lack of Alternatives & Good Faith AutoNation has not offered reasonable alternatives to resolve this issue, such as : 1. Allowing me to pay cash for the vehicle.\n\n2. Finding a new lender or allowing me to arrange my own financing.\n\n3. Allowing me to add a co-signer to resolve any potential financing issues. \n\nInstead, they continue to insist on immediate cancellation and repossession, without valid justification or acknowledgement of my compliance. \n\n6. Requested Actions I request the following : 1. An investigation into XXXX  bad faith cancellation and refusal to accept valid address verification.\n\n2. A review of XXXX  compliance with consumer protection laws regarding contract cancellations.\n\n3. An inquiry into their mishandling of sensitive consumer information and a corrective action plan for future data protection.\n\n4. Enforcement of penalties or remedies as applicable under state and federal law.\n\n7. Supporting Documents Attached are the following : Copies of all documents I provided to verify my residence. \nWritten confirmation from XXXX regarding my updated address. \nEmails and texts exchanged with XXXX representatives. \nContract cancellation notice from XXXX. \n\nConclusion : XXXX refusal to act in good faith, insistence on unreasonable demands, and failure to address the reported privacy breach require immediate attention. I request your office investigate and hold XXXX accountable under consumer protection and privacy laws. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-17T20:50:08.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"92653","tags":null,"has_narrative":true,"complaint_id":"11180271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-12-17T20:42:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Bad Faith : Ignoring my <em>compliance</em> and efforts to meet their requests.\n\nUnfair Business Practices : Imposing requirements beyond <em>what</em> the lender or law requires.\n\n4."]},"sort":[14.734015,"11180271"]},{"_index":"complaint-public-v1","_id":"12152837","_score":14.240557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Department of Education Office of Federal Student Aid Subject : Dispute Regarding Breach of Contract, Unauthorized Access to Personal Information, and Request for Deletion of Student Loans Dear Sir/Madam, I am writing to formally dispute recent actions and concerns regarding my student loan account with the Department of Education XX/XX/year> XXXX I have recently become aware of a potential breach of contract, where it has been suggested that a third party, including individuals associated with XXXX XXXX team, may have gained unauthorized access to personal information of millions of borrowers, including myself. This raises serious concerns about your ability to safeguard sensitive data and comply with applicable privacy laws.\n\nAs per the terms of my agreement, I trusted the Department of Education to protect my personal and financial information. However, the recent reports of unauthorized access and potential violations of privacy law, including data protection regulations, suggest a failure in fulfilling this responsibility. \n\nIn light of this issue, I am requesting immediate action on the following : XXXXnvestigation and Clarification : Please provide a thorough investigation and explanation of how my personal information was accessed and whether XXXX 's team, or any other external parties, obtained or misused my data. Please also clarify what actions have been taken to address this issue and prevent further breaches. \n\nFailure to Protect Sensitive Data : Given the breach and the failure to protect sensitive information, I believe the Department of Education has not upheld its contractual obligations to protect my data. Please confirm what steps have been taken to address and rectify this breach, including any compliance with data protection laws such as FERPA. \n\nRequest for Deletion of Student Loans : Due to the breach of contract and the failure to secure my sensitive information, I am requesting the immediate deletion of my student loans from your system. This request is in accordance with the law, given the unauthorized access to my information and the resulting violations of privacy. Please provide confirmation that my loan account will be erased from your records and removed from all relevant credit reporting agencies. \n\nReparation for Harm Caused : Given the serious nature of this breach, I request confirmation regarding the steps that will be taken to mitigate any harm or damage caused by this security failure. I would also like to know if there are any reparations available for borrowers impacted by this issue. \n\nI request a written response within 15 business days, including a clear explanation of the investigation into the breach, confirmation of actions taken to protect my personal information, and a detailed response regarding my request to have my student loans deleted. \n\nFailure to address this matter satisfactorily will leave me no choice but to explore all available legal remedies to protect my rights, including seeking legal action for breach of contract, violation of privacy laws, and related claims. \n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-20T17:16:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"12152837","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Federated Student Loan Services","date_received":"2025-02-20T17:10:26.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please also clarify <em>what</em> actions have been taken to address this issue and prevent further breaches. \n\nFailure to Protect Sensitive Data : Given the breach and the failure to protect sensitive information, I believe the Department of Education has not upheld its contractual obligations to protect my data. Please confirm <em>what</em> steps have been taken to address and rectify this breach, including any <em>compliance</em> with data protection laws such as FERPA."]},"sort":[14.240557,"12152837"]},{"_index":"complaint-public-v1","_id":"12152529","_score":14.240557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Department of Education Office of Federal Student Aid Subject : Dispute Regarding Breach of Contract, Unauthorized Access to Personal Information, and Request for Deletion of Student Loans Dear Sir/Madam, I am writing to formally dispute recent actions and concerns regarding my student loan account with the Department of Education XX/XX/year> XXXX I have recently become aware of a potential breach of contract, where it has been suggested that a third party, including individuals associated with XXXX XXXX team, may have gained unauthorized access to personal information of millions of borrowers, including myself. This raises serious concerns about your ability to safeguard sensitive data and comply with applicable privacy laws. \n\nAs per the terms of my agreement, I trusted the Department of Education to protect my personal and financial information. However, the recent reports of unauthorized access and potential violations of privacy law, including data protection regulations, suggest a failure in fulfilling this responsibility. \n\nIn light of this issue, I am requesting immediate action on the following : Investigation and Clarification : Please provide a thorough investigation and explanation of how my personal information was accessed and whether XXXX 's team, or any other external parties, obtained or misused my data. Please also clarify what actions have been taken to address this issue and prevent further breaches. \n\nFailure to Protect Sensitive Data : Given the breach and the failure to protect sensitive information, I believe the Department of Education has not upheld its contractual obligations to protect my data. Please confirm what steps have been taken to address and rectify this breach, including any compliance with data protection laws such as FERPA. \n\nRequest for Deletion of Student Loans : Due to the breach of contract and the failure to secure my sensitive information, I am requesting the immediate deletion of my student loans from your system. This request is in accordance with the law, given the unauthorized access to my information and the resulting violations of privacy. Please provide confirmation that my loan account will be erased from your records and removed from all relevant credit reporting agencies. \n\nReparation for Harm Caused : Given the serious nature of this breach, I request confirmation regarding the steps that will be taken to mitigate any harm or damage caused by this security failure. I would also like to know if there are any reparations available for borrowers impacted by this issue. \n\nI request a written response within 15 business days, including a clear explanation of the investigation into the breach, confirmation of actions taken to protect my personal information, and a detailed response regarding my request to have my student loans deleted. \n\nFailure to address this matter satisfactorily will leave me no choice but to explore all available legal remedies to protect my rights, including seeking legal action for breach of contract, violation of privacy laws, and related claims. \n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-20T17:16:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"12152529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-02-20T17:16:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please also clarify <em>what</em> actions have been taken to address this issue and prevent further breaches. \n\nFailure to Protect Sensitive Data : Given the breach and the failure to protect sensitive information, I believe the Department of Education has not upheld its contractual obligations to protect my data. Please confirm <em>what</em> steps have been taken to address and rectify this breach, including any <em>compliance</em> with data protection laws such as FERPA."]},"sort":[14.240557,"12152529"]},{"_index":"complaint-public-v1","_id":"16813651","_score":14.197358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Nelnet Disputes Department, This letter is in direct response to your correspondence regarding my prior dispute concerning the mishandling of my personal and educational records. Your reply failed to adequately address the core issues raised under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nAs previously stated, my educational and financial information was accessed, shared, or maintained without my knowledge or consent, constituting a violation of FERPAs requirements to safeguard student records and personally identifiable information. Your response acknowledges your obligations under the Privacy Act of 1974 and FERPA but fails to address whether an unauthorized third party accessed or retained my records, nor does it confirm what security measures were taken to prevent such a breach. \n\nUnder 15 U.S.C. 1681b and FCRA 623 ( a ) ( 6 ), you are required to ensure that any information furnished to consumer reporting agencies is accurate, verifiable, and obtained lawfully. Since there is an unresolved question of data security and authorization, continued reporting of this account to any consumer reporting agency constitutes a violation of these federal provisions. \n\nI am hereby demanding the following : XXXX. A complete reinvestigation into the handling of my personal and educational records under FERPA and the Privacy Act. \n\n\nXXXX. A detailed statement of all entities or parties with whom my data was shared or accessed since account origination. \n\n\nXXXX. Immediate removal and suppression of any credit reporting related to this account from Experian, Equifax, and TransUnion until verification of lawful authorization is provided. \n\n\nXXXX. Written confirmation of compliance within 15 days, as required under FCRA 611 ( a ) ( 1 ) ( A ) and FERPA regulations ( 34 CFR Part 99 ). \n\n\n\nFailure to comply will result in a formal complaint being filed with the U.S. Department of Educations Family Policy Compliance Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for violation of my federally protected rights. \n\nPlease consider this a final notice before escalation. I expect a complete and lawful resolution in writing.","date_sent_to_company":"2025-10-24T03:22:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"16813651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-10-24T03:17:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> of <em>compliance</em> within 15 days, as required under FCRA 611 ( a ) ( 1 ) ( A ) and FERPA regulations ( 34 CFR Part 99 ). \n\n\n\nFailure to comply will result in a formal complaint being filed with the U.S. Department of Educations Family Policy <em>Compliance</em> <em>Office</em>, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for violation of my federally protected rights. \n\nPlease consider this a final notice before escalation."]},"sort":[14.197358,"16813651"]},{"_index":"complaint-public-v1","_id":"15622733","_score":10.99848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my third formal dispute concerning the XXXX XXXX accounts that Experian continues to report on my credit file. Despite my repeated disputes, reinvestigation requests, and the filing of an FTC Identity Theft Report ( # XXXX ), Experian has failed to comply with its obligations under federal law. \n\nBy law, any information that is inaccurate, erroneous, or reported in error must be deleted from a consumers credit report. Experians refusal to remove these accounts is a serious violation of the Fair Credit Reporting Act ( FCRA ). \n\nAccounts Reported in Error XXXX XXXX  Account # XXXX Balance {$1600.00} XXXX XXXX Account # XXXX Balance {$470.00} Violations by Experian FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy by continuing to report erroneous data.\n\nFCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block and delete items after proper notice and FTC Identity Theft documentation. \n\nFCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation and delete unverifiable information.\n\nFCRA 611 ( a ) ( 7 ) Failure to provide me with a written description of what was verified.\n\n15 U.S.C. 1681a ( 4 ) & 1681b Violation of my privacy rights through misuse of non-public personal information.\n\nDespite my three dispute rounds, I have not received any written verification or investigation summary, which is a direct violation of the law. \n\nEscalation to FTC and Identity Theft Due to Experians repeated noncompliance, I was forced to file an FTC Identity Theft Report ( # XXXX ). This step demonstrates how serious these errors are and how harmful XXXX negligence has become. \n\nHarm Caused Experians refusal to correct these errors has caused me : Severe emotional distress Financial harm Barriers to obtaining credit and housing This ongoing harm is unacceptable and unlawful.\n\nMy Demands Immediate and permanent deletion of both XXXX XXXX accounts from my Experian credit file. \n\nWritten confirmation of deletion and of the reinvestigation process, including the method of verification. \n\nAssurance that these accounts will not be reinserted without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).\n\nNotice of Escalation If Experian once again refuses to comply, I will escalate this matter beyond your agency to the Federal Trade Commission ( FTC ), the U.S. Department of Justice ( DOJ ), the Office of the Comptroller of the Currency ( OCC ), and the Florida Attorney Generals Office for stronger enforcement.\n\nConclusion Experians refusal to delete and block these erroneous accounts after three dispute rounds, supported by an FTC Identity Theft Report, constitutes gross negligence and willful violation of the FCRA. I demand immediate corrective action.","date_sent_to_company":"2025-08-30T18:50:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33147","tags":null,"has_narrative":true,"complaint_id":"15622733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-30T18:50:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> of deletion and of the reinvestigation process, including the method of verification. \n\nAssurance that these accounts will not be reinserted without full <em>compliance</em> with FCRA 611 ( a ) ( 5 ) ( B ).\n\nNotice of Escalation If Experian once again refuses to comply, I will escalate this matter beyond your agency to the Federal Trade Commission ( FTC ), the U.S."]},"sort":[10.99848,"15622733"]},{"_index":"complaint-public-v1","_id":"15045655","_score":10.473616,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Subject : Formal Demand for Deletion of Student Loan Records Due to FERPA Violation, Data Breach, and Inaccurate Reporting I am formally demanding the immediate and permanent deletion of all student loan accounts and related data associated with my name and Social Security number from your records and any credit reporting databases to which you report.\n\nFERPA Violation & Data Breach Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g, my educational records including student loan information and personally identifiable information ( PII ) are protected from unauthorized disclosure or access. It has come to my attention that my data may have been improperly handled, accessed, or compromised in a data breach involving your systems or third-party servicers, constituting a clear violation of FERPA.\n\nMy personal and financial security has been jeopardized, and my student loan information is now subject to potential misuse, identity theft, and unauthorized reporting all without my informed consent or adequate protection as required under federal law.\n\nViolations of the Fair Credit Reporting Act In addition, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies and furnishers of information maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Given that my data has been compromised, any continued reporting of this loan is inherently unreliable and fails to meet this legal standard.\n\n15 U.S. Code 1681i gives me the right to dispute any information in my file that I believe is inaccurate, incomplete, or unverifiable. I am now exercising that right by disputing the entirety of the student loan records associated with my identity and demanding deletion on the basis that they are no longer verifiable or accurate due to the breach and mishandling of my educational data.\n\nMy Demand Therefore, I demand the following actions be taken within 15 calendar days : 1. Immediate deletion of all student loan records associated with my name and Social Security number from your internal systems and any external consumer reporting agencies.\n\n2. Written confirmation that all loan data has been permanently removed and will not be transferred, sold, or re-reported in any form.\n\n3. Documentation regarding the nature of the breach, including when it occurred, what data was exposed, and how it was mitigated.\n\n4. An updated copy of my consumer file ( if applicable ), reflecting the deletion.\n\nFailure to comply with this request will result in complaints being filed with the following authorities and legal counsel being consulted for potential action : U.S. Department of Education ( ED ) Family Policy Compliance Office ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation.","date_sent_to_company":"2025-08-01T14:46:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06705","tags":null,"has_narrative":true,"complaint_id":"15045655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T14:45:45.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Department of Education ( ED ) Family Policy <em>Compliance</em> <em>Office</em> ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals <em>Office</em> I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation."]},"sort":[10.473616,"15045655"]},{"_index":"complaint-public-v1","_id":"9976899","_score":10.469227,"_source":{"product":"Debt collection","complaint_what_happened":"US POST OFFICE CERTIFIED MAIL NUMBER XXXX Fair Debt Collection Practice Act 15 U.S.C. .1692 The Fair Credit Reporting Act, 15 U.S.C. 1681 XX/XX/XXXX, XXXX XXXX Email XXXX Consumer Financial Protection use all others must write to provide verbal communication XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Control , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Debt Validation Claim RE : This letter of dispute is to address concerns about legal liability for financial Information and associated materials from Credit Control , LLC COLLECTION AGENCY, 15 USC1692G , 1692B Deceptive and Inaccurate. Attempt to collect. Credit Control , LLC never received permission from XXXX XXXX. I am asking for a Debt Validation ( XXXX ) Please provide the purchase agreement, the original wet signature that I agreed to on the contract on this creditor if any for this alleged account. ( XXXX ) Send me a full detailed history/list of all payments/ GAAP ledger for both accounts payable and receivable on this account. ( XXXX ) Have there been any insurance claims found or filed on this debt? ( XXXX ) Provide me a copy of the Chain of Title you have to collect on this debt. Please understand I deny any and all I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance with G.A.P.P provide the info requested because it violates 5 USC 552a. \n\nCredit Control , LLC COLLECTION AGENCY is in direct violation USC 1692e. False or misleading representations 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 of this section : ( XXXX ) The false representation of XXXXoriginal creditor ( 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 Please also keep in mind as you use the state statutory laws Federal statutory law, enacted pursuant to constitutional authority. \nPlease provide confirmation of this info with the company received from the alleged original party for this account, your help will be appreciated in assisting me. \nUnder the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). \nThis letter of dispute is to address concerns about legal liability for financial information and associated materials, this includes anyone asking you for your Social as they must indicate what it is being used for and how it is used. Credit Control , LLC. COLLECTION AGENCY never received permission from XXXX XXXX. to use the number associated with any such accounts associated or attached and as stated in PRIVACY ACT ( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX. \nI am maintaining a careful record on my communication with your company. \nRESPECTFULLY, XXXX XXXX","date_sent_to_company":"2024-08-31T13:49:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"9976899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Control, LLC","date_received":"2024-08-31T13:09:14.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please provide <em>confirmation</em> of this info with the company received from the alleged original party for this account, your help will be appreciated in assisting me. \nUnder the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, <em>Privacy</em> Act violations U.S.C. 552a ( g ) ( 1 ) ( A )."]},"sort":[10.469227,"9976899"]},{"_index":"complaint-public-v1","_id":"15045656","_score":10.468841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Subject : Formal Demand for Deletion of Student Loan Records Due to FERPA Violation, Data Breach, and Inaccurate Reporting I am formally demanding the immediate and permanent deletion of all student loan accounts and related data associated with my name and Social Security number from your records and any credit reporting databases to which you report.\n\nFERPA Violation & Data Breach Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g, my educational records including student loan information and personally identifiable information ( PII ) are protected from unauthorized disclosure or access. It has come to my attention that my data may have been improperly handled, accessed, or compromised in a data breach involving your systems or third-party servicers, constituting a clear violation of FERPA.\n\nMy personal and financial security has been jeopardized, and my student loan information is now subject to potential misuse, identity theft, and unauthorized reporting all without my informed consent or adequate protection as required under federal law.\n\nViolations of the Fair Credit Reporting Act In addition, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies and furnishers of information maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Given that my data has been compromised, any continued reporting of this loan is inherently unreliable and fails to meet this legal standard.\n\n15 U.S. Code 1681i gives me the right to dispute any information in my file that I believe is inaccurate, incomplete, or unverifiable. I am now exercising that right by disputing the entirety of the student loan records associated with my identity and demanding deletion on the basis that they are no longer verifiable or accurate due to the breach and mishandling of my educational data.\n\nMy Demand Therefore, I demand the following actions be taken within 15 calendar days : 1. Immediate deletion of all student loan records associated with my name and Social Security number from your internal systems and any external consumer reporting agencies.\n\n2. Written confirmation that all loan data has been permanently removed and will not be transferred, sold, or re-reported in any form.\n\n3. Documentation regarding the nature of the breach, including when it occurred, what data was exposed, and how it was mitigated.\n\n4. An updated copy of my consumer file ( if applicable ), reflecting the deletion.\n\nFailure to comply with this request will result in complaints being filed with the following authorities and legal counsel being consulted for potential action : U.S. Department of Education ( ED ) Family Policy Compliance Office ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation.","date_sent_to_company":"2025-08-01T14:46:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06705","tags":null,"has_narrative":true,"complaint_id":"15045656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T14:45:45.000Z","state":"CT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Department of Education ( ED ) Family Policy <em>Compliance</em> <em>Office</em> ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals <em>Office</em> I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation."]},"sort":[10.468841,"15045656"]},{"_index":"complaint-public-v1","_id":"15045652","_score":10.456193,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Subject : Formal Demand for Deletion of Student Loan Records Due to FERPA Violation, Data Breach, and Inaccurate Reporting I am formally demanding the immediate and permanent deletion of all student loan accounts and related data associated with my name and Social Security number from your records and any credit reporting databases to which you report.\n\nFERPA Violation & Data Breach Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g, my educational records including student loan information and personally identifiable information ( PII ) are protected from unauthorized disclosure or access. It has come to my attention that my data may have been improperly handled, accessed, or compromised in a data breach involving your systems or third-party servicers, constituting a clear violation of FERPA.\n\nMy personal and financial security has been jeopardized, and my student loan information is now subject to potential misuse, identity theft, and unauthorized reporting all without my informed consent or adequate protection as required under federal law.\n\nViolations of the Fair Credit Reporting Act In addition, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies and furnishers of information maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Given that my data has been compromised, any continued reporting of this loan is inherently unreliable and fails to meet this legal standard.\n\n15 U.S. Code 1681i gives me the right to dispute any information in my file that I believe is inaccurate, incomplete, or unverifiable. I am now exercising that right by disputing the entirety of the student loan records associated with my identity and demanding deletion on the basis that they are no longer verifiable or accurate due to the breach and mishandling of my educational data.\n\nMy Demand Therefore, I demand the following actions be taken within 15 calendar days : 1. Immediate deletion of all student loan records associated with my name and Social Security number from your internal systems and any external consumer reporting agencies.\n\n2. Written confirmation that all loan data has been permanently removed and will not be transferred, sold, or re-reported in any form.\n\n3. Documentation regarding the nature of the breach, including when it occurred, what data was exposed, and how it was mitigated.\n\n4. An updated copy of my consumer file ( if applicable ), reflecting the deletion.\n\nFailure to comply with this request will result in complaints being filed with the following authorities and legal counsel being consulted for potential action : U.S. Department of Education ( ED ) Family Policy Compliance Office ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation.","date_sent_to_company":"2025-08-01T14:46:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06705","tags":null,"has_narrative":true,"complaint_id":"15045652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-01T14:45:45.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Department of Education ( ED ) Family Policy <em>Compliance</em> <em>Office</em> ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals <em>Office</em> I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation."]},"sort":[10.456193,"15045652"]},{"_index":"complaint-public-v1","_id":"11027448","_score":9.74695,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am in active litigation with TransUnion in federal court XXXX Washington XXXX case no. XXXX for authorizing access to my credit report and files without a permissible purpose in violation of 15 USC Section 1681b . Despite being in litigation for violating my right to privacy and for unauthorized access to my credit reports and files, they violated me yet again but this time they provided unauthorized access of my credit report to their attorneys, without my knowledge or consent and after Trans Union and their attorneys received explicit instructions not to send my credit report through their attorneys or electronically. This is just proves their actions are malicious, willful and negligent. \n\nDuring litigation I received a letter from Trans Union 's attorney - XXXX XXXX, XXXX, XXXX and XXXX directing me to have all communication including requests for my credit report to go through them ( see attached letter ). \n\nOn Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX I am writing to you since XXXX XXXX XXXX me a letter ( attached ) instructing me to make requests and disputes regarding my consumer file directly through him, which I imagine you will be handling these requests in his stead. \n\nI am making this request to have my most recent credit report be mailed to me at the following address : XXXX XXXX XXXX XXXX, CA XXXX  Please confirm receipt of this email notice and confirm that you and Trans Union have complied with this request. Do not have Trans Union send any reports regarding my private information through you, your firm or through any electronic transmission. Thank you. \n\nSincerely, XXXX XXXX Despite receiving this email Trans Union, XXXX  XXXX, XXXX, XXXX and XXXX and attorney XXXX XXXX disregarded my request and Trans Union sent my credit report most likely through a 3rd party portal or file transfer system and then XXXX XXXX and his assistant and firm printed a copy of my credit report and mailed it to a different address not in the request. \n\nTrans Union violated my right to privacy and violated 15 USC Section 1681b by authorizing access of my credit report to their attorney XXXX XXXX, XXXX, XXXX 's assistant and their entire law firm and any 3rd party used to transfer my credit report from Trans Union to the attorney and law firm without my consent or knowledge, even with explicit instructions not to send it through their attorney or electronically. \n\nAttorney XXXX XXXX, XXXX, XXXX 's assistant and their entire law firm and any 3rd party used to transfer my credit report from Trans Union violated my right to privacy and violated 15 USC Section 1681b and 15 USC Section 1681q by obtaining my credit report during litigation under false pretenses without a permissible purpose. The actions of all parties in this compliant were willful, negligent and malicious. \n\nI sent the following email to them on XX/XX/XXXX : Dear XXXX XXXX, XXXX, Trans Union and XXXX, XXXX, XXXX, XXXX and XXXX, I am writing to formally address a serious breach of my privacy rights caused by your improper handling of my credit report, unauthorized access to my credit report under false pretenses a violation under 15 USC 1681q, and Trans Union authorizing access to my credit report without a permissible purpose a violation of 15 USC 1681b.\n\nDespite my clear and explicit instructions to TransUnion to mail my credit report directly to me at the address contained in my notice to you, your firm received my credit report and then forwarded it to me. This conduct is in direct violation of my rights under 15 U.S.C. 1681q and 1681b and exposes me to unnecessary risks, including potential data breaches and unauthorized access to my sensitive information. Additionally, despite your firm calling the credit report a consumer disclosure doesnt escape from what a real full file disclosure is and Trans Union still have not complied with ever sending me my full file disclosure and that was not sent with your letter. I received a personal credit report containing XXXX pages to include Trans Union filler documents. \n\nYou violated my rights under the guise of providing me with a copy of my credit report during active litigation. In XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) has emphasized the following : Regarding Permissible Purpose : The FCRA prohibits the obtaining of a consumer report for any purpose unless the user has obtained the report for a purpose authorized by 1681b.\n\nUnauthorized Access : A consumer reporting agency may furnish a consumer report only under the circumstances outlined in 1681b. Obtaining a consumer report for a purpose not permitted by the FCRA is a violation of the statute.\n\nLitigation and Consumer Reports : The fact that the report was obtained in the context of litigation does not, by itself, confer a permissible purpose under the FCRA. The statute limits permissible purposes to those specifically enumerated in 1681b.\n\nEmphasis on Protection of Consumer Privacy : The FCRA was enacted to protect the privacy of consumers, ensuring that consumer reporting agencies and users of such information comply with strict limits on access and use.\n\nViolation of Privacy Rights Unauthorized Handling of My Credit Report : My instructions to TransUnion specifically required that my credit report be sent directly to me. By having my credit report sent to your firm, TransUnion and your office violated my privacy and disregarded my clear instructions.\n\nExposing My Data to Additional Risks : By processing and mailing my credit report through your office, you unnecessarily increased the exposure of my sensitive personal and financial information. The involvement of your staff and handling by third parties creates a significant risk of unauthorized access or further breaches.\n\nFailure to Adhere to Standard Practices : Your firms and your clients actions demonstrate negligence in respecting the privacy protections required by law, including under the Fair Credit Reporting Act ( FCRA ) and applicable ethical standards.\n\nIntended Actions Due to this egregious breach of my privacy, I am notifying you of the following actions I intend to pursue : Filing Formal Complaints : I will report this matter to the Court, Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) for violating my privacy rights and mishandling sensitive personal information.\n\nI will submit a grievance to the relevant Indianapolis State Bar Association for ethical violations and misconduct related to this breach.\n\nFuture Legal Action : I reserve all rights to seek additional remedies, including pursuing civil action, for the harm caused by this breach of my privacy against you, XXXX, your firm and Trans Union. \nI demand the following : Cease and Desist : Your firm must immediately cease any further handling, processing, or sharing of my personal and financial information. \nConfirmation of Data Disposal : Provide written confirmation that all copies, digital or physical, of my credit report in your possession have been permanently destroyed.\n\nTimeline for Compliance You must comply with the demands outlined above within 2 business days of receipt of this notice. \n\nI trust that you understand the gravity of this situation and will take the necessary steps to address this breach promptly. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-04T16:58:35.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"92101","tags":null,"has_narrative":true,"complaint_id":"11027448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-04T16:24:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Confirmation</em> of Data Disposal : Provide written <em>confirmation</em> that all copies, digital or physical, of my credit report in your possession have been permanently destroyed.\n\nTimeline for <em>Compliance</em> You must comply with the demands outlined above within 2 business days of receipt of this notice. \n\nI trust that you understand the gravity of this situation and will take the necessary steps to address this breach promptly. \n\nSincerely, XXXX XXXX"]},"sort":[9.74695,"11027448"]},{"_index":"complaint-public-v1","_id":"3357398","_score":9.7127495,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, After marrying United States XXXX XXXX   XXXX XXXX in XX/XX/XXXX, my husband and I naturally choose to open a joint checking account in XX/XX/XXXX with his already existing USAA account. We made the call together and answered all of the questions that were probed. My husband is the primary account contributor and account holder as I have a different bank. All was well until I received a call from USAA on XX/XX/XXXX during my lunch break at work. I thought this call was in regards to a flood claim that was denied, but the representative stated I had some missing information from my membership profile. I thought the call was very odd as they were requesting some personal financial information ( estimated net worth, annual income, etc. ) that was required by the Patriot Act that I answer. I was worried it was a scam so I decided it would be best to call them myself the next day. I first looked specifically at the Patriot Act ( 2001 ),  Bank Secrecy Act ( BSA ), and Gramm-Leach- Bliley Act ( GLBA 1999 ). I learned two were designed after XX/XX/XXXX to help detect terrorism, money laundering, and illegal activities and the other to protect financial privacy. Turns out all that is required under Section 326 : Verification of Identification of the Patriot Act is : Name, Date of Birth, Social Security Number, ( to confirm they are a US citizen ), Address, and comparison with government lists of known/suspected XXXX activity ( usually referred to as banking systems ). This is in addition to record keeping as a requirement of the Treasury. All of which are used to verify the identity of the personwhich is understandable and I agree necessary. Yet, nowhere does any federal regulation however require financial information, despite USAAs claims. All of the following summaries below were direct recorded conversations, and I am willing to share them if needed. I am hoping to get confirmation that this information is required by federal law, and if it is not, I would like to take legal action against USAA as I believe it is a violation of my financial protection rights. What follows is quite extensive, but felt it imperative I be comprehensive. \nOn XX/XX/XXXX I called USAA myself to confirm their claim. The agent demanded the information was required by federal law by the Patriot Act and Bank Secrecy Act and that I was required to answer the personal finance questions. I was informed if I did not answer the questions the account would be closed or our assets frozen. I was confused why the needed information was not gathered when we opened the account and was uncomfortable about the questions as it didnt seem it was a federal regulation, so I requested to speak to a manager. The following conversation was with XXXX, of the executive resolutions team, as the senior advisor at USAA : I enquired, did I sign your privacy notice? After we determined it is never actually signed, in regards to my privacy, she checked and confirmed my privacy preference is share. I asked, What changed where you are now required to get my information since you didnt get it before as it is required by federal law? Or is it not required and this is just something that USAA is doing? She replied, No this is something that is required for secondary account holders by the federal law. So I inquired, When we opened the account you claim we used the primarys ( my husbands ) information and that has been sufficient for the last year. This isnt my primary account I have a different bank. So why all of the sudden now are you threatening to inactivate our account if I dont give you this information? If it wasnt required before what makes it required now? The only answer Ive gotten is that it is federal law ; so either you werent compliant with federal law and are now being required to get the information, or it is for your own interest. I would like to know what those interests are, what you are going to do with this information, if you are going to be sharing any of this information, or using it for rates or other data then I am required to view the privacy notice for you to do that. So I am confused. As I was not the primary account holder, I was told I was not allowed to get access to the information we provided when the account was opened. I would have to wait for my husband to be present. \nIn the meantime, I reached out to my personal bank on XX/XX/XXXX. They advised me NOT to share this information as it is not a federal law and could be shared. I decided to take another step further and speak to XXXX XXXX on XX/XX/XXXX, another Federal Bank to see if this information was indeed required by all other banks as USAA claimed. I spoke to manager XXXX and the conversation went as follows : I wondered what questions she would be asking us or what information would they need to open a joint account and she stated, IDs, maiden name, SSN, DOB. While they may have different policies, as for it being a law, all banks would be following it, as far as I know it is not considered a law. Even if there are financial questions that we may ask you for loans, credit card, or investment accounts, they are up to you if you want to answer. This confirmed my research that it was not a federal requirement. \nLater the same day of XX/XX/XXXX, when my husband was home, we spent two hours on the phone to try and get some answers. First, was with USAA agent XXXX. In summary we challenged why this information wasnt provided when the account was opened, this was due to periodic reviews of accounts, the accounts who have not answered these questions are being notified they do need to answer the questions. We had wanted to view the paperwork when the account was opened, but she did not have the information because, we do not have that information to see. It is at the back office where they opened the account. We insisted to be transferred to them stating she would be right back with us. We waited on hold for over 45 minutes, with no answer and never spoke to her again. \nOn our next attempt we decided to call as if we were opening an account to see how that department would answer our questions. After talking to USAA representative XXXX, we were told I should be able to access any information even though I am not the primary contrary to what I have been told prior. XXXX stated we have to ask financial information as all banks do. After waiting on hold for another 10 minutes for him to review the notes, and the nature of our call he stated again, I do not have access to see the information or the answers that were provided when you opened the account. I work in XXXX and XXXX in XXXX XXXX XXXX. He did confirm that he was asking those same questions when accounts were being opened now : annual income, estimate net worth, occupation, etc.. He stated there are other regulations that require income information under customer due diligence under regulation D and various banking regulations. He was not able to send me information about due diligence so we were conferenced in to Senior with Executive resolutions XXXX ( CEO member relations? ) : XXXX tried to assist us in trying to figure out what information we provided when opening the account. She stated, let me explain to you whats going on. You would not have gotten this information when you opened your account. There was an enhancement to the Patriot Act last year [ XXXX ]. So, this year, all the banks have to comply with the enhancement of the Patriot Act. So those questions like your employment, your income, things like that. So those are a federal regulation now that banks are required to collect this information as part of the customer due diligence information to better get to know your customers ( KYC ) due to all of the terrorism, and things like that going on. We stated we thought we answered our annual income and other questions when we opened the account. She stated each person on the account needed to provide separate information even though we were married. XXXX directed me to the FDIC.gov website to search Customer Due Diligence ( CDD ) which I did. I told XXXX that my personal bank advised I do not give this information as they were not required to and she stated, well they will be. This is a federal regulation that went into effect. XXXX confirmed we started asking these questions this year, but the law went into effect last year so the banks now have to go in and get this information from account holders. I told her all that I could find in regards to the laws were name, date of birth, SSN, and she articulated, It will state other information on that website regarding the customer due diligence where you can ask certain information. On the website I saw nothing even closely related to financial information being required on the CDD update. We repeated to request to see what information was given upon opening of our joint checking account before we add to anything, in hopes to make any information accurate and true. XXXX then stopped answering our questions, and transferred us again to the back office that never answered the phone while hanging up. We waited on hold for 15 minutes to no avail. \nThe final call, was still on XX/XX/XXXX, was the checking department where we spoke to representative XXXX. Irritated she also couldnt access the information we provided when we opened our account so we could verify what information we already provided. I educated her this information was required by the Patriot Act to be kept and maintained for 5 years. We were then compelled to be transferred to specialist XXXX for the next hour about the KYC and CCD questions. We exasperated explaining we were trying first to confirm what information they already had before adding more to it, then trying to better understand their requirement as it was not a federal law to provide financial information under the BSA, Patriot Act, or Due Diligence update. The conversation with XXXX on XX/XX/XXXX went as follows as is quite lengthy : I dictated Are you filing a SAR? I am not comfortable sharing the information as it increases my risk of identity theft, a data breach, you can share the information with credit bureaus, internal marketing, external marketing, joint marketing, and affiliates. I have not been told how this information will be protected, or how it is shared, or how you secure the information. I have been told I can not opt out, and it is a violation of the Gramm Leach Bliley Act of 1999 [ nor had I seen a privacy notice for XXXX ]. Until those questions are answered for me this is not allowed. She rudely exclaimed, So I will first say the majority of what you say is incorrect. It is absolutely required under the BSA and under the Patriot Act. Any large bank by FDIC regulation is required to abide by these laws. I agreed these are federal laws, but that financial questions are not apart of those laws. She stated, Yes they are Maam. I quoted section 326 of the Patriot Act, and she ignored it. She was able to confirm in the notations that they had my employment information, physical address, your social security number, date of birth, citizenship, and your full name. That is what we have on file. I stated that my annual income is not a requirement of a federal law as they are already able to verify my identity by the Patriot Act. She stated, yes, it is a requirement and I will agree to disagree. I requested to speak to legal to learn how they will protect and share and secure the information and opt me out of sharing. Id like them to show me the privacy notice from this year or you are not getting the information. I would like to speak to legal to hear on the record what they will do with the information to protect and secure it and opt me out of sharing or I am not going to answer. She replied, okay then your account will be closed. Our legal department does not reach out to customers regarding this matter because it is a standard matter and you absolutely are required. I stated, no other banks Ive spoken with are requiring this information and that is not true. She stated, that is it true and I dont need to speak to your banks as that would be a waste of my time. This conversation is not productive and you have received the same information from five different people. After threatening to end the call, she exclaimed, you have your opinion and it is not factual. I apologize if you disagree but that is not going to change the federal regulations. \nInstead of her ending the call, I stated there was something else she could help with in regards to why if this requirement came out in XX/XX/XXXX, why we werent asked upon opening the account in XX/XX/XXXX. She held there was an internal audit around the time we opened our account and found there was information that they did not have on file as I have already told you. It did not go out in mass issue to members as it would have overwhelmed their system and call volumes. It has just taken this long to get to my name. They have to go through all of their records from the XXXX, XXXX, and XXXX and so yes we have had to do that in groups. We had her confirm once my husband was on the phone that he had already answered the questions they have everything that they need on file for him but was not able to determine when or how he answered the questions. \nMy husband calmly stipulated are the questions different for my personal account because I thought when we opened our joint account, we did it at our combined income levels not separate. She simply said yes, so we reiterated, if they have the combined income of mine and hers together as one number, we needed access to it so we could separate it properly, instead of adding more to it which would change our risk factor. She detailed we can not have a joint answer for two people. However, she was not able to confirm what our annual income was for the account. I do not see it in front of me it is in the back-office records. I was troubled saying, if I gave you my annual income now, it could be potentially adding it to the joint income they may already have which wouldnt be accurate for the federal government She informed us, Their records department is a non-member contact, which is why you never got a response from them as they do not accept phone calls, they are a back office department. We tried to explain we had already been transferred to them twice today and she declared she didnt know how and she couldnt speak to what has happened on previous calls. We stated again we needed to either give us the information that is on our records right now, or we have to update them both together. XXXX described, what I update will just go through the system to records and add to it. There is no way to remove it even if he were to call and change it. No so these are general questions. All these are for it to be sure we can do mitigate risk and be sure that we can do risk monitoring for our members activity. Thats all it is for. So, we corroborated if we gave you the wrong information and were put into a different risk bracket that was going to be a problem. XXXX held, So no, you are misunderstanding what I am saying sir. We do not put you into brackets based on risk factors or anything like that. All it is, is to know if a member makes XXXX-XXXX and a wire comes in for a XXXX dollars that looks strange. That is all it is for. Just so we can have a gauge. Kind of a point a perception to go off of, a point of reference that is literally all it is. We stated in order to do that accurately, we would need to update our information together to separate it. She alleged, we do not have a way to update it, and my husband verbalized, then that is a problem for you not for me. She threatened, not necessarily because if you refuse to provide this information your account will be closed. I can not change an existing number ; I can input new data into the records system that is a form on your profile that is personally attached to you. It then gets sent to our back office for them to file. I can not change his because there is no place to input it. \nAs we expressed concern our direct deposits would be leaked into the account the following week she voiced, I could not find exactly a turn around time for when we needed to move our money out before the account closes. What I would have to do would be to put in a work order to the back office stating that you are refusing to answer the questions. Then at that time they review the account for closure. They would send out an official check with the remaining funds. The team that handles this, [ the MOET team ], it is not records. All direct deposits would be rejected go back to the sender, or if it is within a day or two it could force reopen it if it had not closed completely but usually goes back to the sender. Due to the inconvenience, my husband verified there was no way we could opt out of this, and she expressed, no sir it is a federal regulation. I struggled to get her to conference us into the MOET team who was handling this situation as seniors in the bank, however after being on hold for 20 minutes, she was not able to contact them. XXXX exclaimed she could no longer spent any more time with us to be available for other customers. She confirmed they were very backed up due to all of this going on and it is not a large department. I was frustrated that we would not be able to contact them ourselves and therefore our account would be closed. She confirmed there is no way to contact them by email, by direct number, or any other format by her understanding. This is because they do not use email for secured information. \nConsequently, on Saturday XX/XX/XXXX I realized the need to escalate the complaint so I could have someone call us back since the MOET team was not easily available before the account would be closed. A representative, XXXX, with the Executive Resolutions team, helped me to file a complaint and I was told I would be getting a call back from the CEOs office. She once more confirmed the information is used for banking regulations under the Patriot Act and passed in XXXX after XX/XX/XXXX. When it comes to the Patriot Act it advises us as a financial institution just making sure we are doing our customer due diligence we have to know who our customers are. That is ensuring that we know the individual that is with us here at USAA and what they are using the front for. If someone is using the account as money laundering or transferring money to foreign countries. So that we are not letting people move money around that shouldnt be moving money around. If we do not know our customers enough, you can be asked again and re-verify the information periodically to verify it is still accurate and on file. I reaffirmed in regards to due diligence we didnt have any foreign accounts, and my personal account was not at this bank, and my husband is the primary account holder for the joint checking account which they have his information. I confirmed no other federal banks are requiring these questions. I quoted the GLBA and that our last privacy notice was in XXXX and that was a concern and we are not being given the option to opt out. I tried to express my concerns of using the federal government phrase when it is not a federal requirement, and that it was a serious compliant. She agreed that I should speak to the MOET team. I articulated again they do not answer the phone and she agreed it is a busy department and that you have to wait as they are working overtime. Therefore, I was concerned it wouldnt be resolved in a timely fashion. In my attempt to reach the quality department no one answered again. I was confirmed the CEOs office would contact me within one business day after confirming my phone number on Saturday. \nTwo businesses days later on Tuesday XX/XX/XXXX, I conversed with XXXX from the CEOs office. I gave her a summary of my complaints that our documentation when the account was opened can not be verified, changed, or updated, thus denying us to potentially separate our incomes into two separate numbers. I explained the MOET team could not be reached. I also expressed concern about their requirement to answer the income questions as they are not a federal law for income information as I do not have a loan with them and am not a primary account holder. I told her I didnt appreciate being treated like trash, and be threatened to close my account stating it is a federal law when it is not. Intimidating people to answer questions when the federal government does not require income information and canceling accounts is a huge problem. XXXX stated she was trying to figure out when the account would be closed, but is still waiting from a response from the MOET team. She claimed, It is our current policy and our hands are being tied due to federal guidelines that are forcing us to change and ask these specific questions. I also know that if these questions are not being answered the account will more than likely be closed. They can inactivate the account and in other instances it will be closed. In order to get us into compliance we are being instructed we have to ask this. I requested, to see something official in a document file. I requested to see the policy by email or by mail. I stated that I would like to see that where it specifically asks for income information. She stated, she does not see them written down specifically to ask income questions. I inquired, then how do you know that as a fact? She admitted, I am still waiting for answers. As far as closing accounts we are covered by our depository agreement to do that. That has nothing to do with KYC and that they are closing accounts and inactivating them if the KYC isnt answered. She summarized my concerns and stated she would get back to me with hopefully answering all of my questions. \nOn Thursday XX/XX/XXXX I got another call from a different USAA representative trying to get me to answer the questions again. They stated they will call again in five business days, and then proceed to close the account if I do not answer the questions. She was unaware of the investigation in XXXX office. Later in the evening on XX/XX/XXXX, I spoke to XXXX for the second time. She stated they still will not tell me what the answers were upon opening our joint checking account. They will not update his information unless there was a new product that was applied for and that they will remain there unless a new product is applied for. I postulated, why can they not answer what they are? Do they not have the questions or the answers when the account was opened? Why cant they tell you? It concerns me they do not have them, which is a federal regulation of the Patriot Act they keep them on file. You said the information is under his [ husbands ] primary account. It is unacceptable they cant prove or say what our income is, but that they have it on file, how do they know what they have? It is my legal right to know what I answered, and you are telling me no that I cant have the information. She confirmed that my husband was asked CDD questions this XX/XX/XXXX through the USAA app detour. However, she does not have access to the questions and has been having computer problems all day and her co-worker never supplied them as requested. In regards to what document stated they need to ask income information, she specified it was under the CDD guidelines from the XX/XX/XXXX amendment in the four specific guidelines. She stated she could not distribute the internal document that requires it but did pass legal review and compliance. That is what they are using to fulfill the requirements of the four CDD guidelines. The privacy notice she stated was listed on the USAA website and was revised in XXXX and it has not changed since then, but it is delivered annually and it does state they collect income information. My guess is that is still the current privacy promise and it has not been updated since then but I will verify that. If the privacy promise hasnt changed the revision date it would be the last time that it was revised and therefore is the same. I questioned why the year wouldnt be changed for the new year ( XXXX ), and she stated it didnt need to. I was concerned by this because they are now collecting new income information but it didnt require any changes. \nXXXX verified that we did not answer the questions when the account was opened. I questioned this fact as she does not have access to those and has no idea what was actually requested or answered. This was because she was still trying to get that information from the MOET time. She admitted she does not know. I repeated until we know for sure, I do not want to add to a joint income balance, we can not proceed. If they are refusing to give it to her then thats a problem. In regards to the CDD questions, we determined they make up their own policy which I am not allowed to see stating that it requires income information. I recapped it applies to a USAA policy and is NOT A FEDERAL REQUIREMENT OR LAW. \nXXXX reasoned, when a regulator comes to look at us and asks how are you complying with the CDD guidelines that were outlined, we present them with the CDD questionnaire, period. That is how it relates to the CDD guidelines. It is our internal process and policy due to the government requirement. I argued, the government does not require everyone to answer income information. That is not true. Your institution is requiring that by yourselves. It is not a federal guideline to obtain income information for a joint checking account. Or for any account. Your bank is determining that and doing it all by themselves. Which, granted, you are compliant because you are getting name, DOB, and SSN which is all that is required. You are just going above and beyond thatwhich is fine if you want to. However, stating it is a FEDREAL LAW for me to give it to you is not the case. It is not a federal law for me to provide you my income information. There are laws that protect my financial privacy and I do not have to give it to you, which is why you can close my account and I can go somewhere else. If it was a federal requirement, I would be required at every other bank, which I am not. I spoke to six of the top bank executives in this country that are bigger than you and it is not a federal regulation. So, by you threating people and telling them that it isis a problem because it is not. Even when they called today, they said the same thing. USAA is requiring it, but it is not a federal law. She alleged, so that we comply. I repeated, it is required that you comply by confirming my identity with name, DOB, SSN, and address, running it through your banking system, and with my occupation. That is more than enough to verify someones identity which is all that the CDD requires. Your bank is going outside of that and getting income information. This is fine like I said, but it is not a federal requirement for me to specifically give you my income ; it is not. She finally admits, no it is a requirement of USAA in order for us to meet the guidelines. I again, it is not a federal requirement, it is USAAs requirement. I told her I had a screen shot on my phone it was a federal regulation, it is not. Do you understand? It is a problem. It is your regulation and thats it. It is just yours. She says, so we are in compliance with the federal regulation and the CDD requirements. I strained to clarify, we have been in compliance with you since we opened our account. Stating that if we dont answer the questions, we are not is a lie. And threatening to close my account with you is also a problem because you are stating it is a federal regulation when it is your regulation. Those are two very different things. You are still in compliance even if you were to take the income information out. She says, well not when our policy states that we have to obtain that information, we are not in compliance. I enlightened, even the OCC that regulates you doesnt require that. I could understand that you could close our account because we didnt meet your policy guidelines, thats fine. But telling me specifically it is because it is a federal requirement is not the case. It is not complaint with your policy and your policy alone. \nWe tried to go over it again. I replicated, It isnt because I am not being federally compliant with the law like you are claiming, it is that it is compliant with USAA policy, not the federal government. By you telling me it is a violation of the Patriot Act is not the case. By you telling me it is a violation of the BSA is not the case. By you telling me it is a violation of the XX/XX/XXXX CDD is not the case. Because those are federal laws. There is nothing in any of those laws that specifically require income. It does not exist. That is USAAs policy not the federal government. So by all of these conversations I have on recordings of you telling me that, all the screenshots, and documents, is a big problem. When asking about reaching out to legal she assures me, So legal has already went over our questions I was flustered, okay, are they aware that youre telling people it is a federal regulation for me to answer my income questions? If they were, they would be fixing it immediately as it is a USAA policy. I dont understand why you cant just say it is a USAA policy? Why are you throwing words around and trying to include the federal government when it is none of their business to ask me those questions. Are they aware you are asking them? Because the OCC was concerned [ I spoke to them on XX/XX/XXXX ]. Are they aware of that? That you are telling customers it is a federal requirement by the Patriot Act? No other big banks ask those questions, just you, because it is your own policy. She stated, I am understanding. \nFor additional confirmation, I called XXXX XXXX XXXX on XX/XX/XXXX as they are the second largest bank in the United States with assets worth {$2200.00} XXXX dollars in XXXX so figured it would be a worthy source. I spoke to XXXX, she stated to open a joint checking account they would need, license, 2 forms of id ( government and personal ), type of account, SSN, address. I have worked for the bank for 38 years and we have never requested income information. We do not ask net worth or income as it is not a government regulation. I can assure you if it was XXXX XXXX XXXX would be doing it. This was encouraging that asking personal financial information was indeed NOT a federal regulation. This was further established with two other local banks in my area to provide some additional ease. \nOn XX/XX/XXXX I spoke to XXXX of MI, OCC, and confirmed with CFPB, and MI Attorney General there is no requirement for financial information and each suggested I file complaints. I followed up with XXXX on XX/XX/XXXX and XXXX. She confirmed we have private settings, our account won't be closed until XXXX, but was unable to find any information from when the account was opened. She stated there were no issues with their privacy notice or way they are doing things and was approved by legal and compliance. I request help. I feel what USAA is doing is a violation of Section 326 of the Patriot Act, Record Keeping, and the GLBA. I am not comfortable with how they have conducted this process, and feel as though they are intimidating people to sacrifice their private financial information by manufacturing it is a federal law. To my knowledge we do not meet any of the BSA requirements that would make us candidates for filing a SAR. In recent legal cases vs.USAA in XX/XX/XXXX I want to make sure this is allowed and is not similar violation","date_sent_to_company":"2019-08-28T04:55:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"48125","tags":"Servicemember","has_narrative":true,"complaint_id":"3357398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-08-28T04:31:00.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["However, she was not able to confirm <em>what</em> our annual income was for the account. I do not see it in front of me it is in the back-<em>office</em> records."]},"sort":[9.7127495,"3357398"]},{"_index":"complaint-public-v1","_id":"16438442","_score":9.389604,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Regarding XXXX XXXX XXXX and Unreasonable Data Request by Wise US Inc . \n\nXX/XX/year> To Whom It XXXX Concern : On XX/XX/year>, I made a {$3000.00} transfer through Wise US Inc. ( Wise ), located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( phone : XXXX ). The purpose of the transfer was to pay urgent XXXX expenses for a seriously ill relative in XXXX. The funds were debited from my XXXX bank account on the same day ( supporting documentation attached ). \n\nAs of todaymore than XXXX weeks laterthe recipient has not received the funds, and Wise has been unable to provide any information as to the location or status of the transfer. Over this period, I contacted Wise six times by phone and email, and I requested to speak with a supervisor on XXXX occasions, but I have received no call back and no meaningful assistance. Wises inability to locate the funds and failure to provide updates are unacceptable and inconsistent with XXXX consumer protection standards for money transmitters. \n\nXXXX. Failure to Trace Missing Funds Under the Consumer Financial Protection Bureaus Remittance Transfer Rule ( 12 C.F.R. 1005.33 ), Wise is obligated to promptly investigate and resolve any reported transfer errors, and to provide written notice of the investigation results. \n\nMoreover, pursuant to UCC Article 4A ( 4A-404 ) and Federal Reserve Regulation J ( 12 C.F.R. Part 210 ), financial institutions are required to exercise ordinary care and trace missing SWIFT transfers using appropriate interbank messaging tools such as XXXX XXXX or XXXX XXXX tracking ( via the XXXX XXXX Transaction Reference, XXXX ). \n\nWise has provided no evidence that such a trace was initiated or that any intermediary bank was contacted. This constitutes a potential violation of their duty to trace the transaction in a timely and diligent manner. \n\nXXXX. Unreasonable and Overreaching Data Request After I supplied Wise with my banks statement confirming that my funds were successfully transferred to Wise on XX/XX/XXXX, the company demanded that I submit a record of every transaction in both my account and my recipients account from the day prior to my transfer until the present. \n\nThis demand is excessive and unrelated to the issue being investigated. I had dozens of personal transactions during that period that have no connection to this transfer. Wise has indicated that it would not provide further assistance unless I disclose this private data. \n\nSuch conduct appears inconsistent with the XXXX XXXX ( 15 U.S.C. 6801 et seq. ), which requires financial institutions to limit the collection and use of non-public personal information to what is necessary for legitimate business or regulatory purposes. The request also conflicts with the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits unfair or deceptive acts or practices, and exceeds what is required for anti-money-laundering verification under the Bank Secrecy Act ( 31 U.S.C. 5318 ; 31 C.F.R. 1022.320 ). \n\nIn my experience as a former banker, I have never encountered a financial institution conditioning basic transaction tracing on such an overreaching disclosure of unrelated private data. \n\nXXXX. Requested Remedies I respectfully request that the Office : XXXX. Direct Wise US Inc. to immediately initiate a formal XXXX XXXX ( XXXX or equivalent ) using the XXXX for Transfer # XXXX and provide me written confirmation of the trace results. \nXXXX. Require Wise to comply with CFPB Regulation E ( 1005.33 ) by refunding or crediting my account if the funds can not be located within the applicable investigation period. \nXXXX. Investigate Wises data-collection practices, as conditioning assistance on the disclosure of unrelated banking transactions XXXX violate federal privacy and consumer-protection laws. \n\nXXXX. Supporting Documentation Enclosed are : - Wise transfer confirmation ( Transfer # XXXX ) - Bank statement showing debit to Wise on XX/XX/year> - Correspondence with Wise customer support requesting unrelated account data Thank you for your attention to this matter and for any assistance in ensuring that Wise promptly locates or refunds my missing transfer and that its customer-data practices are properly reviewed for compliance. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-10-08T22:25:48.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"33156","tags":null,"has_narrative":true,"complaint_id":"16438442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2025-10-08T22:00:58.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Requested Remedies I respectfully request that the <em>Office</em> : XXXX. Direct Wise US Inc. to immediately initiate a formal XXXX XXXX ( XXXX or equivalent ) using the XXXX for Transfer # XXXX and provide me written <em>confirmation</em> of the trace results. \nXXXX. Require Wise to comply with CFPB Regulation E ( 1005.33 ) by refunding or crediting my account if the funds can not be located within the applicable investigation period. \nXXXX."]},"sort":[9.389604,"16438442"]},{"_index":"complaint-public-v1","_id":"10515270","_score":9.27096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear American Express, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:44:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-10-20T04:19:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately."]},"sort":[9.27096,"10515270"]},{"_index":"complaint-public-v1","_id":"10515097","_score":9.27096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX  XXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from Experian, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T03:57:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-20T03:57:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately."]},"sort":[9.27096,"10515097"]},{"_index":"complaint-public-v1","_id":"10515058","_score":9.27096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX XXXX XXXXXXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from Experian, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under XXXX XXXX, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:17:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-20T04:17:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately."]},"sort":[9.27096,"10515058"]},{"_index":"complaint-public-v1","_id":"10515320","_score":9.259207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear Capital One, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T03:57:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-20T03:46:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately."]},"sort":[9.259207,"10515320"]},{"_index":"complaint-public-v1","_id":"10514887","_score":9.259207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX  XXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, Equifax and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, Equifax and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T03:57:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10514887","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-20T03:57:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, Equifax and XXXX XXXX immediately."]},"sort":[9.259207,"10514887"]},{"_index":"complaint-public-v1","_id":"10514839","_score":9.259207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX XXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, Equifax and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually. \n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent. \n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, Equifax and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:08:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10514839","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-20T04:07:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, Equifax and XXXX XXXX immediately."]},"sort":[9.259207,"10514839"]},{"_index":"complaint-public-v1","_id":"10515269","_score":9.256285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX XXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from Experian, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution.\n\nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-20T04:44:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately."]},"sort":[9.256285,"10515269"]},{"_index":"complaint-public-v1","_id":"10515069","_score":9.256285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear Ally Financial, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:07:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-10-20T04:03:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>.\n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately."]},"sort":[9.256285,"10515069"]},{"_index":"complaint-public-v1","_id":"10515065","_score":9.256285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear Bank of America, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under Gramm-Leach-Bliley Act, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:17:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-10-20T04:08:58.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, XXXX and XXXX XXXX immediately."]},"sort":[9.256285,"10515065"]},{"_index":"complaint-public-v1","_id":"10515059","_score":9.242207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX XXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from Experian, XXXX and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution.\n\nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies.\n\n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under XXXX XXXX, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:08:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10515059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-20T04:07:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from Experian, XXXX and XXXX XXXX immediately."]},"sort":[9.242207,"10515059"]},{"_index":"complaint-public-v1","_id":"10514603","_score":9.242207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Nonpublic Information and Violation Notice For Account Number XXXX Dear XXXX XXXX XXXXXXXX, This is my final notice to formally request the removal of my nonpublic and transaction history to be deleted from XXXX, Equifax and XXXX XXXX, also know as credit reporting agencies immediately. I am enforcing my consumer rights and privacy to what can and can not be shared with non affiated third parties. Any rights that was inserted into the terms of the credit card agreement at time of application, I am revoking any and all permissions to share anything about me and my experience with your financial institution. \nBelow is why I am requesting all of my transaction history to be deleted : 1. As a financial institution you must provide an initial notice to each customer explaining their privacy policies and practices regarding nonpublic personal information when the account was initially established and annually.\n\n2. You must have permissable purposes in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to report my transaction or nonpublic information about my experience with you.\n\n3. As a financial institution you have an affirmative and continuing obligation to respect the privacy of your customers and to protect the security and confidentiality of our nonpublic personal information. You have not done that and have share my information to various non affilates.\n\n4. As a financial institution you may not, directly or through any affiliate, disclose to a nonaffiliated third party ( credit reporting agencies ) any nonpublic personal information without my written consent.\n\n5. You have never provided to me a clear and conspicuous disclosure in writing or in electronic form on when the reporting of a late payment would occur before the time that such information is initially disclosed. Which would allow me the opportunity to direct that such information not be disclosed to the credit reporting agencies. \n6. As a financial institution, you are obligated to disclsose to your customer as to how they could opt out. I was never sent an explantion on how to exercise my nondisclosure option.\n\nAs a financial instition you may feel you have a right to report any and all information about my experience with you but there is no law that supports your claim. There are numerous laws that states I have the right to opt out and you must comply or be in violation of {$1000.00} per incedent. I am giving you 4 days to consult with your legal team to verify everything I have stated and to delete all of my nonpubic, transaction history from all CRAs immediately. If you fail to comply, I am ready to take legal actions. Please verify with your legal team, under XXXX XXXX, financial institutions can face substantial fines for each instance of non-compliant disclosure after you have been advised to stop numerous times. The amounts could potentially reach up to {$100000.00} per violation. As a consumer whose private information is being disclosed without consent may be able to sue the financial institution for damages, including compensation for emotional distress and legal fees. Be advised, any officer or director of the financial institution may also face personal penalties for violations, including fines up to {$10000.00} per violation. Therefore, there is the potential for criminal penalties for intentional or egregious violations brought against the institution or individuals involved, potentially leading to imprisonment. If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Office of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-compliance. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written confirmation that my transaction history has been removed from XXXX, Equifax and XXXX XXXX immediately. \nThank you for your attention to this matter. \nSincerely,","date_sent_to_company":"2024-10-20T04:17:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10514603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-20T04:17:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If I do not receive a favorable response within 4 days, this notice will be sent to the Consumer Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the <em>Office</em> of the Comptroller of the Currency ( OCC ) to take enforcement actions against your institution for non-<em>compliance</em>. \n\nI trust you will take this matter seriously and resolve the issue promptly. Please provide written <em>confirmation</em> that my transaction history has been removed from XXXX, Equifax and XXXX XXXX immediately."]},"sort":[9.242207,"10514603"]},{"_index":"complaint-public-v1","_id":"13360198","_score":9.17631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I AM SUBMITTING A FORMAL DISPUTE TO REMOVE INNACCUARATE AND INCOMPLETE DATA FROM MY EQUIFAX CONSUMER REPORT.\\n\\nNON-MAILABLE ADDRESSES:\\n\\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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\\nUnauthorized InquiriesXXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.\\XXXX XXXX XXXX  - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX XXXX  This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.\\n\\nInaccurate Phone Numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCo-Applicant: I am no longer affiliated with this person and this information needs to be removed\\n\\n XXXX\\n\\nXXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - 15 U.S. Code  1666b - Timing of payments (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furnishing this information is also a violation of thePrivacy Act of 1974  ( 5 U.S. Code  552a )(b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be  (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.  Again they need prior written instruction of the individual to whom it relates.\\n\\nXXXX XXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\\n\\nUnknown - XXXX - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\\n\\nJXXXX XXXX XXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\\n\\nXXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - I am writing to formally dispute the handling of my student loan account in relation to violations of my rights under the Family Educational Rights and Privacy Act (FERPA) and my rights as a borrower. Specifically, I am citing 20 U.S. Code  1232g and 34 CFR Part 99, which govern the privacy and disclosure of student records.It has come to my attention that my student loan servicer and/or the XXXX XXXX XXXX may have improperly disclosed, accessed, or misused my personally identifiable information (PII) without my express consent, in direct violation of FERPA. Under 20 U.S. Code  1232g and 34 CFR Part 99, any disclosure of my educational records without proper authorization is unlawful unless an exception applies. I am requesting an immediate investigation into the handling of my records to determine whether unauthorized disclosures or misuses have occurred.Additionally, I believe that my rights as a borrower have been infringed upon through improper servicing practices, lack of transparency in loan communications, or other regulatory violations. I am requesting:1. A detailed explanation of all disclosures made regarding my student loan account, including who accessed my records and under what authority.2. A full review of my loan servicing history to ensure compliance with borrower protections and disclosure requirements.3. Immediate corrective action, if violations are found, including potential redress for any harm caused.4. Written confirmation that my dispute has been received and will be investigated in accordance with XXXX XXXX XXXX policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy Compliance Office (FPCO) and any other relevant oversight agencies.\\n\\nXXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - 15 U.S. Code  1666b - Timing of payments (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furnishing this information is also a violation of thePrivacy Act of 1974 XXXX 5 U.S. Code  552a )(b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of\\n\\n1 of 5 communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be  (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.  Again they need prior written instruction of the individual to whom it relates.\\n\\nXXXX XXXX XXXX - The date of my last payment is reporting incorrectly - I am writing to formally dispute the handling of my student loan account in relation to violations of my rights under the Family Educational Rights and Privacy Act (FERPA) and my rights as a borrower. Specifically, I am citing 20 U.S. Code  1232g and 34 CFR Part 99, which govern the privacy and disclosure of student records.It has come to my attention that my student loan servicer and/or the XXXX XXXX XXXX may have improperly disclosed, accessed, or misused my personally identifiable information (PII) without my express consent, in direct violation of FERPA. Under 20 U.S. Code  1232g and 34 CFR Part 99, any disclosure of my educational records without proper authorization is unlawful unless an exception applies. I am requesting an immediate investigation into the handling of my records to determine whether unauthorized disclosures or misuses have occurred.Additionally, I believe that my rights as a borrower have been infringed upon through improper servicing practices, lack of transparency in loan communications, or other regulatory violations. I am requesting:1. A detailed explanation of all disclosures made regarding my student loan account, including who accessed my records and under what authority.2. A full review of my loan servicing history to ensure compliance with borrower protections and disclosure requirements.3. Immediate corrective action, if violations are found, including potential redress for any harm caused.4. Written confirmation that my dispute has been received and will be investigated in accordance with XXXX XXXX XXXX policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy Compliance Office (FPCO) and any other relevant oversight agencies.\\n\\nXXXX XXXX XXXX XXXX XXXX Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\\n\\nXXXX XXXXXXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.'","date_sent_to_company":"2025-05-06T21:31:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44146","tags":null,"has_narrative":true,"complaint_id":"13360198","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-06T21:20:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> that my dispute has been received and will be investigated in accordance with XXXX XXXX XXXX policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy <em>Compliance</em> <em>Office</em> (FPCO) and any other relevant oversight agencies."]},"sort":[9.17631,"13360198"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":109,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":109}]}},"product":{"doc_count":109,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":31},{"key":"Federal student loan debt","doc_count":4},{"key":"I do not know","doc_count":4},{"key":"Auto debt","doc_count":3},{"key":"Mortgage debt","doc_count":3},{"key":"Medical debt","doc_count":2},{"key":"Other debt","doc_count":2},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":43,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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