{"took":163,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14224881","_score":12.602801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a full file disclosure request to The Work Number ( Equifax Workforce Solutions ) under the Fair Credit Reporting Act ( FCRA ), specifically citing 1681g, 1681e, 1681i, and 1681b. My request included : Employment records from The XXXX XXXX, GardaWorld, and related defense contractors Rehire eligibility codes, including NEHR ( Not Eligible for Rehire ) flags Termination classifications ( voluntary, involuntary, medical, etc. ) Employer-submitted behavioral or performance-related annotations A full access/inquiry log Cross-system data from XXXX, XXXX, XXXX, and XXXX XXXX All source documentation and employer identifiers for each data point On XX/XX/year>, The Work Number sent me a document labeled Unofficial Employee Personal Use Only, assigned internal case number XXXX. Along with Case number XXXX, Case number XXXX. This document was explicitly marked as not suitable for verification or dispute purposes. It omitted nearly everything I requested : No mention of XXXX or XXXX Termination and rehire status fields were present but entirely blank No access or inquiry log No cross-referenced system data or source origins Furthermore, I was asked to provide my full Social Security number multiple times despite having already submitted valid identification and documentation through XXXX, their secure messaging/email service. The document I received appears intentionally incomplete and structured to give the illusion of compliance without fulfilling the requirements of 1681g.\n\nI am requesting that The Work Number be compelled to provide a full, official disclosure of all data in my consumer file, including the actual information distributed to employers or government agencies. \nAdditionally, I am concerned this situation may constitute spoilation, or intentional suppression of data. The fields for termination classification and rehire status were visibly present but left blank, and XXXX specifically named employers were excluded entirely. Given the timing, formatting, and omissions, I have reason to believe data may have been deleted, suppressed, or altered.\n\nI also believe The Work Number or Equifax Workforce Solutions may have preemptively contacted third-party data contributors or employers to coordinate their response and suppress records. If true, this would represent a serious violation of my consumer rights and a breach of the FCRAs duty to ensure transparent and complete reporting.","date_sent_to_company":"2025-06-21T22:03:54.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"14224881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-21T21:17:59.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My request included : Employment records from The XXXX XXXX, GardaWorld, and related defense <em>contractors</em> Rehire eligibility codes, including NEHR ( Not Eligible for Rehire ) flags Termination classifications ( voluntary, involuntary, medical, etc. ) Employer-submitted behavioral or performance-related annotations A full access/inquiry log Cross-system data from XXXX, XXXX, XXXX, and XXXX XXXX All source <em>documentation</em> and employer <em>identifiers</em> for each data point On XX/XX/year>, The Work Number sent"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.602801,"14224881"]},{"_index":"complaint-public-v1","_id":"12526369","_score":12.420785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Demand for Immediate Correction of Credit Report Inaccuracies and Investigation into Unauthorized Access to Federal Student Loan Systems I am writing to formally dispute inaccuracies in my credit report and demand corrective action under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ). This dispute is based on judicial findings confirming that third parties, including XXXX XXXX and his XXXX  affiliates, unlawfully accessed federal student loan systems containing my sensitive data. \nFactual and Legal Basis On XX/XX/XXXX, the U.S. District Court granted a temporary restraining order in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, et all against XXXX, ruling that its affiliates had ongoing access to systems of record containing [ borrowers ] most sensitive data without legal authority. XXXX XXXX XXXX further stated : There is no reason to believe their access to this information will end anytime soon because the government believes their access is appropriate. \n\nThis judicial order establishes : Unauthorized Access : XXXX unlawful intrusion into federal student loan systems compromised my Social Security number, financial records, and other protected data. \nOngoing Harm : The governments failure to terminate this access perpetuates Privacy Act and FCRA violations.\n\nCredit Reporting Inaccuracies : Credit bureaus relying on tainted data violate their duty to ensure maximum possible accuracy under 1681e ( b ).\n\nPursuant to the above, I demand : 1. Delete Inaccurate Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Immediately direct all credit bureaus to remove any student loan data derived from systems accessed by XXXX. \nThe courts ruling confirms this data is compromised, and continued reporting violates 1681e ( b ).\n\n2. Investigate Privacy Act Violations ( 5 U.S.C. 552a ( e ) ( 10 ) ) Audit the U.S. Department of Education ( or its contractors ) for failing to safeguard my data from DOGEs unauthorized access.\n\nRemediate harm under 552a ( g ) ( 1 ) ( D ), including statutory damages.\n\n3. Investigate Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ) Refer this matter to the U.S. Department of Educations Family Policy Compliance Office for enforcement 4. Enforce Compliance with the Court Order Coordinate with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, et al to ensure XXXX  access is permanently revoked. \n5. Provide Full Disclosure Identify all entities that accessed, modified, or transmitted my data, including contractors and subprocessors.\n\nThe court has already confirmed the factual and legal basis for this dispute. I expect written confirmation within 15 business days that : Credit bureaus have deleted tainted data, The Department of Educations role in this breach is under investigation, and XXXX access to federal systems has been terminated. \n\nFailure to resolve this matter will compel me to pursue all available remedies, including litigation under FCRA ( 1681n ) and the Privacy Act ( 552a ( g ) ).\n\n[ Enclosures : Court Order, NYT Article, Loan Documentation ]","date_sent_to_company":"2025-03-17T23:09:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33410","tags":null,"has_narrative":true,"complaint_id":"12526369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-17T23:09:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["[ Enclosures : Court Order, NYT Article, Loan <em>Documentation</em> ]"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[12.420785,"12526369"]},{"_index":"complaint-public-v1","_id":"12526372","_score":12.323527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Demand for Immediate Correction of Credit Report Inaccuracies and Investigation into Unauthorized Access to Federal Student Loan Systems I am writing to formally dispute inaccuracies in my credit report and demand corrective action under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ). This dispute is based on judicial findings confirming that third parties, including XXXX XXXX and his XXXX  affiliates, unlawfully accessed federal student loan systems containing my sensitive data. \nFactual and Legal Basis On XX/XX/XXXX, the U.S. District Court granted a temporary restraining order in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, et all against XXXX, ruling that its affiliates had ongoing access to systems of record containing [ borrowers ] most sensitive data without legal authority. XXXX XXXX XXXX further stated : There is no reason to believe their access to this information will end anytime soon because the government believes their access is appropriate. \n\nThis judicial order establishes : Unauthorized Access : XXXX unlawful intrusion into federal student loan systems compromised my Social Security number, financial records, and other protected data. \nOngoing Harm : The governments failure to terminate this access perpetuates Privacy Act and FCRA violations. \nCredit Reporting Inaccuracies : Credit bureaus relying on tainted data violate their duty to ensure maximum possible accuracy under 1681e ( b ).\n\nPursuant to the above, I demand : 1. Delete Inaccurate Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Immediately direct all credit bureaus to remove any student loan data derived from systems accessed by XXXX. \nThe courts ruling confirms this data is compromised, and continued reporting violates 1681e ( b ).\n\n2. Investigate Privacy Act Violations ( 5 U.S.C. 552a ( e ) ( 10 ) ) Audit the U.S. Department of Education ( or its contractors ) for failing to safeguard my data from XXXX  unauthorized access.\n\nRemediate harm under 552a ( g ) ( 1 ) ( D ), including statutory damages. \n\nXXXX. Investigate Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ) Refer this matter to the U.S. Department of Educations Family Policy Compliance Office for enforcement 4. Enforce Compliance with the Court Order Coordinate with the U.S. District Court in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, et al to ensure XXXX  access is permanently revoked. \n5. Provide Full Disclosure Identify all entities that accessed, modified, or transmitted my data, including contractors and subprocessors.\n\nThe court has already confirmed the factual and legal basis for this dispute. I expect written confirmation within 15 business days that : Credit bureaus have deleted tainted data, The Department of Educations role in this breach is under investigation, and XXXX access to federal systems has been terminated. \n\nFailure to resolve this matter will compel me to pursue all available remedies, including litigation under FCRA ( 1681n ) and the Privacy Act ( 552a ( g ) ). \n\n\n[ Enclosures : XXXX XXXX, XXXX XXXX, Loan Documentation ]","date_sent_to_company":"2025-03-17T23:09:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33410","tags":null,"has_narrative":true,"complaint_id":"12526372","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-17T23:09:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["[ Enclosures : XXXX XXXX, XXXX XXXX, Loan <em>Documentation</em> ]"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[12.323527,"12526372"]},{"_index":"complaint-public-v1","_id":"12526281","_score":12.323527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Demand for Immediate Correction of Credit Report Inaccuracies and Investigation into Unauthorized Access to Federal Student Loan Systems I am writing to formally dispute inaccuracies in my credit report and demand corrective action under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ). This dispute is based on judicial findings confirming that third parties, including XXXX XXXX and his XXXX  affiliates, unlawfully accessed federal student loan systems containing my sensitive data. \nFactual and Legal Basis On XX/XX/XXXX, the U.S. District Court granted a temporary restraining order in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, et all against XXXX, ruling that its affiliates had ongoing access to systems of record containing [ borrowers ] most sensitive data without legal authority. XXXX XXXX XXXX further stated : There is no reason to believe their access to this information will end anytime soon because the government believes their access is appropriate. \n\nThis judicial order establishes : Unauthorized Access : XXXX unlawful intrusion into federal student loan systems compromised my Social Security number, financial records, and other protected data. \nOngoing Harm : The governments failure to terminate this access perpetuates Privacy Act and FCRA violations. \nCredit Reporting Inaccuracies : Credit bureaus relying on tainted data violate their duty to ensure maximum possible accuracy under 1681e ( b ). \n\n\nPursuant to the above, I demand : XXXX. Delete Inaccurate Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Immediately direct all credit bureaus to remove any student loan data derived from systems accessed by XXXX. \nThe courts ruling confirms this data is compromised, and continued reporting violates 1681e ( b ). \n2. Investigate Privacy Act Violations ( 5 U.S.C. 552a ( e ) ( 10 ) ) Audit the U.S. Department of Education ( or its contractors ) for failing to safeguard my data from XXXX  unauthorized access.\n\nRemediate harm under 552a ( g ) ( 1 ) ( D ), including statutory damages.\n\nXXXX. Investigate Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ) Refer this matter to the U.S. Department of Educations Family Policy Compliance Office for enforcement 4. Enforce Compliance with the Court Order Coordinate with the U.S. District Court in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  to ensure XXXX  access is permanently revoked. \n5. Provide Full Disclosure Identify all entities that accessed, modified, or transmitted my data, including contractors and subprocessors.\n\nThe court has already confirmed the factual and legal basis for this dispute. I expect written confirmation within 15 business days that : Credit bureaus have deleted tainted data, The Department of Educations role in this breach is under investigation, and XXXX access to federal systems has been terminated. \n\nFailure to resolve this matter will compel me to pursue all available remedies, including litigation under FCRA ( 1681n ) and the Privacy Act ( 552a ( g ) ).\n\n[ Enclosures : Court Order, NYT Article, Loan Documentation ]","date_sent_to_company":"2025-03-17T23:09:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33410","tags":null,"has_narrative":true,"complaint_id":"12526281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T23:09:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["[ Enclosures : Court Order, NYT Article, Loan <em>Documentation</em> ]"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[12.323527,"12526281"]},{"_index":"complaint-public-v1","_id":"12526046","_score":12.323527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Demand for Immediate Correction of Credit Report Inaccuracies and Investigation into Unauthorized Access to Federal Student Loan Systems I am writing to formally dispute inaccuracies in my credit report and demand corrective action under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Privacy Act of XXXX ( 5 U.S.C. 552a ), and Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ). This dispute is based on judicial findings confirming that third parties, including XXXX XXXX and his XXXX  affiliates, unlawfully accessed federal student loan systems containing my sensitive data. \nFactual and Legal Basis On XX/XX/XXXX, the XXXX XXXX XXXX granted a temporary restraining order in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, et all against XXXX, ruling that its affiliates had ongoing access to systems of record containing [ borrowers ] most sensitive data without legal authority. XXXX XXXX XXXX further stated : There is no reason to believe their access to this information will end anytime soon because the government believes their access is appropriate. \n\nThis judicial order establishes : Unauthorized Access : XXXX unlawful intrusion into federal student loan systems compromised my Social Security number, financial records, and other protected data. \nOngoing Harm : The governments failure to terminate this access perpetuates Privacy Act and FCRA violations.\n\nCredit Reporting Inaccuracies : Credit bureaus relying on tainted data violate their duty to ensure maximum possible accuracy under 1681e ( b ).\n\nPursuant to the above, I demand : 1. Delete Inaccurate Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Immediately direct all credit bureaus to remove any student loan data derived from systems accessed by XXXX. \nThe courts ruling confirms this data is compromised, and continued reporting violates 1681e ( b ).\n\n2. Investigate Privacy Act Violations ( 5 U.S.C. 552a ( e ) ( 10 ) ) Audit the XXXXXXXX XXXX XXXX XXXX  ( or its contractors ) for failing to safeguard my data from XXXX  unauthorized access. \nRemediate harm under 552a ( g ) ( 1 ) ( D ), including statutory damages.\n\n3. Investigate Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ) Refer this matter to the XXXXXXXX XXXX XXXX XXXXXXXX Family Policy Compliance Office for enforcement 4. Enforce Compliance with the Court Order Coordinate with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, et al XXXX XXXX XXXX, et al to ensure XXXX  access is permanently revoked. \n5. Provide Full Disclosure Identify all entities that accessed, modified, or transmitted my data, including contractors and subprocessors. \n\nThe court has already confirmed the factual and legal basis for this dispute. I expect written confirmation within XXXX business days that : Credit bureaus have deleted tainted data, XXXX XXXX XXXX XXXX  role in this breach is under investigation, and XXXX access to federal systems has been terminated. \n\nFailure to resolve this matter will compel me to pursue all available remedies, including litigation under FCRA ( 1681n ) and the Privacy Act ( 552a ( g ) ). \n\n\n[ Enclosures : XXXX XXXX, XXXX XXXX, Loan Documentation ]","date_sent_to_company":"2025-03-17T23:09:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33410","tags":null,"has_narrative":true,"complaint_id":"12526046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-17T22:54:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["[ Enclosures : XXXX XXXX, XXXX XXXX, Loan <em>Documentation</em> ]"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[12.323527,"12526046"]},{"_index":"complaint-public-v1","_id":"17021643","_score":10.048125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Subject: Formal Complaint Submission  Systematic FCRA Violations by Transunion, Equifax, Experian & XXXX XXXX (Parts 1 & 2 with Exhibits)\\n\\nTO:\\n\\nConsumer Financial Protection Bureau\\nXXXX XXXX XXXX XXXX XXXX\\nWebsite: consumerfinance.gov/complaint/\\n\\nDear Regulatory Authorities and Corporate Officers,\\n\\nI am submitting this formal complaint for your review and enforcement consideration regarding ongoing violations of the Fair Credit Reporting Act (FCRA) and related consumer protection laws by Transunion, Equifax, Experian and XXXX XXXXl.\\n\\nOver the past two years, I have made repeated certified-mail submissions and provided notarized affidavits to both entities in an effort to correct false, incomplete, and unverified credit information. Despite clear documentation and statutory notices, Transunion, Equifax, Experian and XXXX XXXX  have failed to conduct lawful reinvestigations, provide proper debt validation, or disclose a method of verification as required under federal and state lawincluding statutes in Utah, Texas, Georgia, New Jersey, and Pennsylvania.\\n\\nThis submission includes two parts: (Experian and Transunion attached to this complaint, working on Equifax supporting exhibits.)\\n\\nPart 1: A 15-page formal complaint outlining the full chronology of disputes, statutory violations, and supporting evidence (XXXX XXXX).\\n\\nPart 2: Supplemental documentation (XXXX XXXX) including credit reports, certified-mail receipts, and correspondence that further demonstrate the systemic noncompliance and reporting inconsistencies.\\n\\nThe core violations include:\\n\\nFailure to conduct reasonable reinvestigation  15 U.S.C.  1681i(a)(1)\\nFailure to provide a Method of Verification   1681i(a)(6)(B)(iii)\\nFailure to delete unverifiable information   1681i(a)(5)\\nFailure to maintain maximum possible accuracy   1681e(b)\\nFurnishing inaccurate data and failing to investigate disputes   1681s-2(a),(b)\\nSystemic re-aging and contradictory Metro 2 status coding\\n\\nDespite my documented overpayment of XXXX XXXX XXXX XXXXresulting in an XXXX XXXX XXXX  continues to report a XXXX balance. I respectfully demand its deletion or correction to paid as agreed status, along with removal of any derogatory notations.\\n\\nTo resolve this matter, I request the following:\\n\\n1. Full validation of the alleged debt, including:\\n2. Monthly statements from XXXX XXXX XXXX XXXX XXXX\\n3. A copy of the original terms of agreement\\n    permissible purpose\\n4. Disclosure of the method of verification used by Transunion\\n\\nThis method of Verification should include: \\n\\n 1. Detailed Description of Verification Procedure  Identify the individual, \\ndepartment, or contractor who verified the disputed tradeline; What information \\nand evidence did the Data furnisher provide other than their promise or words that \\nthe alleged debt exists? \\n2. Documentary Evidence  Copies of all records relied upon, including contracts, \\nstatements, agreements, disclosure forms, and payment records; \\n3. Reinvestigation File Summary  Notes, internal communications, and data \\nexchanges with XXXX XXXX \\n4. Chain-of-Custody Records  Showing the transfer, receipt, and handling of data \\nbetween TransUnion and XXXX XXXX \\n5. Permissible Purpose Documentation  Proof of authority under 1681b to report \\nor access this tradeline. \\n6. All Data Disclosure forms along with original agreement.  \\n7. Validation of Debt from XXXX overpayment in XXXX XXXX  to a charge off of XXXX  and \\nany fees such as interest, late payments, and other charges incurred with this \\nCharge off.  \\n8. What method and evidence Transunion used to allow a Charge off and a \\ncollection to report simultaneously on the consumer report? \\n\\nFailure to comply will constitute willful noncompliance under 1681n and negligent \\nnoncompliance under 1681o, subjecting TransUnion, Equifax, and Experian to statutory and actual damages.\\n                                                        \\nI respectfully submit this complaint as a final effort to resolve the matter outside of court. In the interest of judicial efficiency, I have exhausted all administrative remedies and dispute channels. Your agencys review and enforcement action may prevent unnecessary litigation and demonstrate that I pursued every lawful avenue in good faith. I trust that your office will take appropriate steps to ensure compliance, promote regulatory accountability and protect consumer rights.\\n\\nThank you for your attention to this matter. I trust your office will take appropriate steps to ensure compliance and protect consumer rights.\\n\\nFinal Note Regarding Equifax:\\n\\nPlease be advised that I have attached formal complaints and supporting Exhibits against Experian and TransUnion. However, Equifax has engaged in the same pattern of misconduct. Their reporting is equally inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act (FCRA), including failure to provide a lawful method of verification.\\n\\nI am in the process of completing the Equifax-specific documentation and expect to submit it within the next few days. The volume of evidence is overwhelming and further confirms that all three major consumer reporting agenciesExperian, TransUnion, and Equifaxhave systematically failed to uphold their statutory obligations. This note serves to preserve the record and ensure that Equifaxs violations are considered in parallel with the others.\\n\\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-04T17:38:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08817","tags":null,"has_narrative":true,"complaint_id":"17021643","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T17:37:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["\\n\\nPart 2: Supplemental <em>documentation</em> (XXXX XXXX) including credit <em>reports</em>, certified-mail receipts, and correspondence that further demonstrate the systemic noncompliance and <em>reporting</em> inconsistencies."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[10.048125,"17021643"]},{"_index":"complaint-public-v1","_id":"17020174","_score":10.048125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Subject: Formal Complaint Submission  Systematic FCRA Violations by Transunion, Equifax, Experian & XXXX XXXX (Parts 1 & 2 with Exhibits)\\n\\nTO:\\n\\nConsumer Financial Protection Bureau\\nXXXX XXXX XXXX XXXX XXXX\\nWebsite: consumerfinance.gov/complaint/\\n\\nDear Regulatory Authorities and Corporate Officers,\\n\\nI am submitting this formal complaint for your review and enforcement consideration regarding ongoing violations of the Fair Credit Reporting Act (FCRA) and related consumer protection laws by Transunion, Equifax, Experian and XXXX XXXXl.\\n\\nOver the past two years, I have made repeated certified-mail submissions and provided notarized affidavits to both entities in an effort to correct false, incomplete, and unverified credit information. Despite clear documentation and statutory notices, Transunion, Equifax, Experian and XXXX XXXX  have failed to conduct lawful reinvestigations, provide proper debt validation, or disclose a method of verification as required under federal and state lawincluding statutes in Utah, Texas, Georgia, New Jersey, and Pennsylvania.\\n\\nThis submission includes two parts: (Experian and Transunion attached to this complaint, working on Equifax supporting exhibits.)\\n\\nPart 1: A 15-page formal complaint outlining the full chronology of disputes, statutory violations, and supporting evidence (XXXX XXXX).\\n\\nPart 2: Supplemental documentation (XXXX XXXX) including credit reports, certified-mail receipts, and correspondence that further demonstrate the systemic noncompliance and reporting inconsistencies.\\n\\nThe core violations include:\\n\\nFailure to conduct reasonable reinvestigation  15 U.S.C.  1681i(a)(1)\\nFailure to provide a Method of Verification   1681i(a)(6)(B)(iii)\\nFailure to delete unverifiable information   1681i(a)(5)\\nFailure to maintain maximum possible accuracy   1681e(b)\\nFurnishing inaccurate data and failing to investigate disputes   1681s-2(a),(b)\\nSystemic re-aging and contradictory Metro 2 status coding\\n\\nDespite my documented overpayment of XXXX XXXX XXXX XXXXresulting in an XXXX XXXX XXXX  continues to report a XXXX balance. I respectfully demand its deletion or correction to paid as agreed status, along with removal of any derogatory notations.\\n\\nTo resolve this matter, I request the following:\\n\\n1. Full validation of the alleged debt, including:\\n2. Monthly statements from XXXX XXXX XXXX XXXX XXXX\\n3. A copy of the original terms of agreement\\n    permissible purpose\\n4. Disclosure of the method of verification used by Transunion\\n\\nThis method of Verification should include: \\n\\n 1. Detailed Description of Verification Procedure  Identify the individual, \\ndepartment, or contractor who verified the disputed tradeline; What information \\nand evidence did the Data furnisher provide other than their promise or words that \\nthe alleged debt exists? \\n2. Documentary Evidence  Copies of all records relied upon, including contracts, \\nstatements, agreements, disclosure forms, and payment records; \\n3. Reinvestigation File Summary  Notes, internal communications, and data \\nexchanges with XXXX XXXX \\n4. Chain-of-Custody Records  Showing the transfer, receipt, and handling of data \\nbetween TransUnion and XXXX XXXX \\n5. Permissible Purpose Documentation  Proof of authority under 1681b to report \\nor access this tradeline. \\n6. All Data Disclosure forms along with original agreement.  \\n7. Validation of Debt from XXXX overpayment in XXXX XXXX  to a charge off of XXXX  and \\nany fees such as interest, late payments, and other charges incurred with this \\nCharge off.  \\n8. What method and evidence Transunion used to allow a Charge off and a \\ncollection to report simultaneously on the consumer report? \\n\\nFailure to comply will constitute willful noncompliance under 1681n and negligent \\nnoncompliance under 1681o, subjecting TransUnion, Equifax, and Experian to statutory and actual damages.\\n                                                        \\nI respectfully submit this complaint as a final effort to resolve the matter outside of court. In the interest of judicial efficiency, I have exhausted all administrative remedies and dispute channels. Your agencys review and enforcement action may prevent unnecessary litigation and demonstrate that I pursued every lawful avenue in good faith. I trust that your office will take appropriate steps to ensure compliance, promote regulatory accountability and protect consumer rights.\\n\\nThank you for your attention to this matter. I trust your office will take appropriate steps to ensure compliance and protect consumer rights.\\n\\nFinal Note Regarding Equifax:\\n\\nPlease be advised that I have attached formal complaints and supporting Exhibits against Experian and TransUnion. However, Equifax has engaged in the same pattern of misconduct. Their reporting is equally inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act (FCRA), including failure to provide a lawful method of verification.\\n\\nI am in the process of completing the Equifax-specific documentation and expect to submit it within the next few days. The volume of evidence is overwhelming and further confirms that all three major consumer reporting agenciesExperian, TransUnion, and Equifaxhave systematically failed to uphold their statutory obligations. This note serves to preserve the record and ensure that Equifaxs violations are considered in parallel with the others.\\n\\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-04T17:38:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08817","tags":null,"has_narrative":true,"complaint_id":"17020174","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-04T16:44:45.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["\\n\\nPart 2: Supplemental <em>documentation</em> (XXXX XXXX) including credit <em>reports</em>, certified-mail receipts, and correspondence that further demonstrate the systemic noncompliance and <em>reporting</em> inconsistencies."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[10.048125,"17020174"]},{"_index":"complaint-public-v1","_id":"17672777","_score":9.18731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly disputed inaccurate and unverifiable items on my Experian consumer report. Experian issued results on Report # XXXX XXXX XXXX dated XX/XX/year>, but refused to provide the legally required method of verification. I sent a follow-up demanding this information on XX/XX/year>. Experian continues to ignore my rights under the FCRA. \n\nExperian states that the disputed accounts were verified, however they have refused to provide the following required information under 15 U.S.C. 1681i ( a ) ( 7 ) : the description of the method used to verify the disputed information, who they spoke to, what documentation was reviewed, the actual procedure used to determine accuracy.\n\nPer 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to this description within 15 days of request. \n\nExperian is reporting accounts and identifiers that I never consented to, including derogatory data, incorrect personal identifiers, and accounts lacking proof of permissible purpose. Experian also failed to comply with FCRA 609 ( a ) ( 1 ) ( A ) which requires physical verification of an original consumer contract before furnishing or reporting accounts.\n\nThe follow-up letter explains that Experian is reporting : Incorrect names, address variations, former employers, and birth-year data inconsistent with my verified identity. \nXXXX XXXX derogatory account with missing Metro-2 data fields. \nXXXX XXXX and XXXX XXXX XXXX  inquiries/accounts without evidence of permissible purpose. \n\nExperian claims these were verified, but refuses to produce : 1. documentation used to verify, 2. Metro-2 compliance evidence, 3. full transmission data sent to data furnisher, 4. creditor names, addresses, phone numbers, 5. the identity of the individual who verified, 6. neighbor/friend associate interviews required for investigative consumer reports, 7. the date of commencement of delinquency, 8. timelines for removal.\n\nExperian has not complied with FCRA 611, FCRA 607 ( b ) accuracy requirements, 609 ( a ) disclosure obligations, or 1681n civil liability provisions.\n\nExperian has placed me in a position of possible identity theft and ongoing reporting injuries, while ignoring my lawful follow-up request. \n\nI received your dispute results for Report # XXXX XXXX XXXX for XX/XX/year>. \n\nAs you know. I sent you a letter regarding the issues on my consumer report and now I am continuing to exercise my rights as a federally protected consumer under title 15 chapter 41. As I am well aware that there are still accounts on my consumer report that I never gave you written consent to furnish and you continue to ignore me. I am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them. \n\nNotice, it is a fact, that i am aware, in accordance with 15 U.S. Code 168li ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. \n\nAccording to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. i have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. \n\nI hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 1 Chapter 41 and pursue litigation Section 621 of the fair credit reporting act also provides me the information about the administrative enforcement of the Federal Trade Commission.\n\nI am fully aware that you are performing unfair and deceptive acts in commerce and not being in full compliance will be a violation of {$2500.00} pursuant to 15 usc 1681s ( 2 ) ( A ).\n\nNow you claim that you verified these accounts as accurate, but 15USC 1681 ( a ) ( e ) makes it clear that if a consumer reporting agency investigates data on a consumer report, then it is known as an investigative consumer report and I understand that for you to conduct an investigation, you must conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the Consumer - Or anyone who has knowledge concerning such items or information I am well aware of 15 USC 1681s ( Section 623 ) that states data furnishers are indeed required to notify the consumer of any negative data being furnished and I can assure you that never happened or took place.\n\nThese data furnishes must provide proof they followed procedures or remove the following information from my consumer report. By you continuing to report accounts on my consumer report without my written consent along with you not respecting my right to privacy this is identity theft. \nAny transaction on here is a transaction that was from real-life experience which is supposed to be excluded from my consumer report : I, XXXX XXXX , filed a dispute with Experian on XX/XX/year>, after discovering Experian is reporting multiple inaccurate, unverifiable, and improperly documented credit items. Experian failed to comply with FCRA 611 ( a ) ( 1 ) by not completing a proper reinvestigation within the required timeframe. \n\n\n\nExperian is reporting incorrect personal identifiers, including : Incorrect names Wrong address variations Unauthorized former employers Incorrect birth-year reporting These inaccuracies contradict my verified identity information and violate FCRA 607 ( b ). \n\nI also disputed the derogatory account : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These account shows inconsistent data fields across bureaus, missing Metro-2 fields, inaccurate balances, incorrect dates, and no proof of permissible purpose or validation.\n\nExperian has failed to : Provide documentation of validation Correct Metro-2 non-compliant entries Remove unverified accounts Accurately report my personal identifiers Please tell me how you verified these items as i have a right to know since the investigation you did last month is already over. Who did you talk to the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/ Phone number listed on my report. The Fair Credit Reporting act says you have 15 days to tell me if I ask. Don't provide me with the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. \n\nAlso, what is the date of commencement of delinquency? the original creditor is required to give that to you. So, when is that? When will these accounts be past the reporting timeframe? Don't provide me with the generic \" 7 years '' response. I am aware of that. Tell me when these alleged accounts became delinquent and specifically when they will be removed. \n\nSupply your response within 15 days or delete these accounts Please send the following information used to verify the validity of the accounts listed above along with information regarding my investigative consumer report or I demand these accounts be deleted in their entirety 1. The documentation used to verify the dispute 2. Documentation proving the Data Furnisher is metro 2 compliant and is reporting everything 100 % accurate.\n\n3. Provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation 4. The name of the original creditor 5. The creditor 's Address and Telephone number.\n\n6. The person 's name they verified the dispute with 7. Interviews with neighbors ( What neighbors did you speak to? ) 8. What friends of mine have you spoken to?\n\n9. What associates of mine did speak to?\n\nIn accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.\n\nI would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.\n\nFailure to provide the Universal Data Form that was sent from the data furnisher to yourself can put you into a lot of trouble. As it can be used against you in court in the discovery of evidence to prove the inaccuracy of the accounts listed above so I am hoping that you are smart and will comply.","date_sent_to_company":"2025-12-03T21:23:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78747","tags":null,"has_narrative":true,"complaint_id":"17672777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T19:44:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian is <em>reporting</em> accounts and <em>identifiers</em> that I never consented to, including derogatory data, incorrect personal <em>identifiers</em>, and accounts lacking proof of permissible purpose. Experian also failed to comply with FCRA 609 ( a ) ( 1 ) ( A ) which requires physical verification of an original consumer contract before furnishing or <em>reporting</em> accounts."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.18731,"17672777"]},{"_index":"complaint-public-v1","_id":"3148559","_score":9.174429,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I DEMAND, as is my consumer right ( s ) to do so, that you ONLY retain, use, and or report data of which is absolutely TIMELY, TRUE, CORRECT, COMPLETE, physically verified as proven valid and certified as COMPLIANT to every aspect of requisite law, including the mandatory XXXX XXXX format reporting. Let it be in clarity that I do NOT authorize you nor any entity RIGHT to access, obtain, transfer, use, or report ANY DEROGATORY INFORMATION of which is not irrefutably of a current status and proven by document FACT to be valid as well as undeniably demonstrated as being fully COMPLIANT to any and every aspect of compliance of collection, of which compliance of reporting is a MANDATORY CRITERIA. Please ELIMINATE ANY and ALL allegations of personal identifiers NOT REPORTING EXACTLY as displayed above OR ELSE PRESENT TO ME testimonial document prove certifying the FULL TRUTH, ACCURACY, COMPLETENESS, ownership and COMPLIANCE of the reported information. COMPLIANCE is a MANDATORY CONDITION of adequate proper reporting, NO ENTITY is privy to insufficient lawful reporting, be it in willful or ignorance of derelict! This letter is forwarded to ONLY INDIVIDUALS in capacity to analyze and modify or REMOVE information found to be without the required certification of being physically verifiable in the validation of the information BUT ALSO if the information, TRUE OR NOT, is with deficient evidence of REPORTING COMPLIANCE ( even to the mandatory perfect XXXX XXXX FORMAT COMPLIANCE ) and or is missing such requisite testimonial document proof of certified compliance in full accordance of law ( s ). \nThis document is my composed Demand to remove Inaccurate/and or NOT CERTIFIED COMPLIANT Credit Information, mentioned or not! I hereby demand that you disclose each and every document that you have in your physical possession as of this date regarding the accounts that you are reporting in my credit report. Please review YOUR RECORDS find the copy ( ies ) of my previously forwarded written demands to have unverified and not proven and por certified compliantly reported data and or accounts removed from my credit report. To date, you have willfully failed to provide me with any information that you are required to under my states or the applicable Federal Law ( s ). In answering these requests, please furnish all information, documents which are available to you, including, without limitation, all documents in the possession of your attorneys, accountants, affiliates, auditors, agents, employees, officers, directors, shareholders, contractors, or other personnel, and not merely such documents as are in your possession. If you can not respond to any of the following requests in full, after exercising due diligence to secure documents to do so, please so state, and respond to the extent possible, specifying all reasons why you are unable or unwilling to respond to the remainder, stating whatever documents you have concerning the unproduced documents, and what efforts you made to secure documents sufficient to allow you to respond fully to the particular request. Although one or more of the following requests and or demands may not appear to be applicable to or directed to you, please respond to each and every one of them to the extent that you are able and or required to provide any response thereto whether such response consists of documents within your own knowledge or what you have obtained from others. However, for every response in which you include documents received from others, please provide the exact name, exact address from which you received ( if any known address ), and any phone number from which you received documents and or information else wise related ( if any known phone number of the person or persons from whom you so received such documents ). And, in every such instance please state that you can not verify such of your own personal knowledge, identifying particularly the documents for which you can not vouch in testimonial FACT and/ or certify thereof. ADDITIONALLY, TO THAT DEMAND, I REQUEST that you Please provide a copy of my corrected and updated report once you have complied with the law. I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect XXXX XXXX FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : REBUTTAL NOTATION : Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. Per My states reporting laws and the applicable federal standards of lawful reporting, ANY REPORTED ALLEGATION of delinquency and or derogatory of injury against a consumer MUST be documented as TRUE, CORRECT, COMPLETE, TIMELY, of accused consumers ownership and responsibility, fully valid, and irrefutably verifiable as such. ADDITIONALLY, even if true and valid, any claim of derogatory and injurious nature MUST BE REPORTED IN FULL COMPLIANCE, even to the mandatory true correct and complete XXXX XXXX FORMAT REPORTING COMPLIANCE and further be testimonial and CERTIFID AS being so or else claim ( s ) must be vacated permanently and immediately! DELETE NOW to be COMPLIANT!\n\nShould this item of alleged account ( or account aspects ) of a reported delinquency and or derogatory condition be related to any alleged inquiry ( ies ) still yet unproven to hold the minimum mandatory document proof ( s ) thereby absolutely validating the physically verifiable written evidence of adequately achieved permissible purpose I demand that you immediately act to eradicate the accusations as unfounded and not currently compliant in its reporting, as is REQUIRED to report! Surely if unable to present undeniable physically verifiable proof of an items alleged delinquency ( ies ) and or derogatory ( ies ) as reported there exists ( LOGICALLY ) a concern and reasonable doubt as related to any linked allegation ( s ) of inquiry ( ies ) thereof as well! PLEASE WORK to Ensure the ethical, moral, adequately accurate, fully compliant reporting by your immediate willful modification ( s ) and or removals from reporting of any item or aspect of item ( s ), INCLUDING CLAIMS OF INQUIRY, that yet fail to meet the demonstrated requisites as mandatory, mentioned or not!\n\nNotation : Please verify and validate all claims, every notation, dates and balances, whether reported or not. Remove immediately the unverified therefore invalidly reported CHARGE OFF claim. To date, no document proof of the physically verifiable validity of claim has been demonstrated nor offered. I am concerned with the reported data, please detail factually all aspects of claim, every notation, all dates and balances, source codes and personal identifiers, full 426-character P-segment with trailing factors, creditor classification code, XXXX, the 386-pieces to confirmate collection, and all requisite framents of reporting, mentioned or not.\n\nNotation : Remove immediately the unverified therefore invalidly reported DEROGATORY CLAIM. The information reporting is one or more of being untrue, incorrect, incomplete, of not my ownership, of not my responsibility, not reported compliantly, or else wise is invalid deficient of physically verifiable document evidence of facts. Please verify and validate all claims, every notation, dates and balances, whether reported or not.\n\nNotation : Remove immediately the unverified therefore invalidly reported claim that is significantly DEFICIENT REPORTED DATA. The information reporting is one or more of being untrue, incorrect, incomplete, of not my ownership, of not my responsibility, not reported compliantly, or else wise is invalid deficient of physically verifiable document evidence of facts. Please verify and validate all claims, every notation, dates and balances, whether reported or not. I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to- be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).","date_sent_to_company":"2019-02-11T13:35:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30101","tags":null,"has_narrative":true,"complaint_id":"3148559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-11T13:31:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please ELIMINATE ANY and ALL allegations of personal <em>identifiers</em> NOT <em>REPORTING</em> EXACTLY as displayed above OR ELSE PRESENT TO ME testimonial document prove certifying the FULL TRUTH, ACCURACY, COMPLETENESS, ownership and <em>COMPLIANCE</em> of the <em>reported</em> information. <em>COMPLIANCE</em> is a MANDATORY CONDITION of adequate proper <em>reporting</em>, NO ENTITY is privy to insufficient lawful <em>reporting</em>, be it in willful or ignorance of derelict!"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.174429,"3148559"]},{"_index":"complaint-public-v1","_id":"14930724","_score":8.810551,"_source":{"product":"Debt collection","complaint_what_happened":"Demand for Immediate Cessation of Unlawful Collection Activity by XXXX, XXXX. and AdminRecoveryLLC Since neither XXXX nor its agent AdminRecovery has ever produced a single instrument bearing my wetink signature, yet your contractor unlawfully contacted my family member and disclosed a purported obligation, I formally dispute the debt and place you on notice that all further collection efforts are barred under both the Fair Debt Collection Practices Act, 15U.S.C.1692c ( b ) ( prohibiting thirdparty disclosures ), and 1692g ( b ) ( requiring written validation ). I have no relationship with the alleged debt, and I have never banked with XXXX XXXX in any capacity. As of today, I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), which is enclosed and legally supersedes any claim you attempt to assert.\n\nLet me make one thing abundantly clear : you are not authorized to contact any third party on my behalf, nor is any mailing to former addresses, family members, or any third-party contact valid. I am not in contact with any member of my family, and frankly, that is none of your business. Your actions are not just offensivethey are unlawful. The moment you called my family member and disclosed any information related to a debt, you violated FDCPA 805 ( b ). There are no exceptions here, and your violations are now a matter of federal record. I will not entertain excuses, deflections, or gaslighting responses attempting to justify your actions. The FTC report overrides everything you have to sayyour compliance narratives are meaningless in the face of federal documentation and statutory rights. \n\nXXXX, your own compliance track record speaks volumes. In XXXX, XXXX levied the largest civil penalty in its history $ XXXXXXXX XXXX XXXX for systemic and sustained violations of the Bank Secrecy Act. You entered a four-year monitorship agreement as a result. In early XXXX, you paid another $ XXXX related to anti-money-laundering failures. And yet again, in XX/XX/XXXX, a former XXXX  employee pleaded guilty to taking bribes in exchange for opening more than XXXX fraudulent accountsfresh evidence of a culture of compliance collapse. Your XXXX  acquisition of XXXX XXXX failed due to unresolved federal scrutiny, and your board continues to churn under consent orders and criminal investigations. XXXX  entire pattern of behavior mirrors the failures that earned XXXX XXXX record-setting penalties for XXXX. Your institutions claim to regulatory credibility is laughable. \n\nFurthermore, let me be unequivocally clear : if XXXX XXXX  or any representative attempts to delay resolution by contacting me under the guise of needing more information or confirming account details, you will be ignored. I will not supply personal identifying information, account data, or anything elsebecause I do not recognize this account, and I have never opened or used a XXXX XXXX  credit card in my life. I owe you no duty to investigate your records on your behalf. The burden of proof lies solely with you, and any attempt to reverse that obligation will be construed as bad faith and intentional stalling. Under FDCPA 809 ( b ), I have a right to dispute a debt without being coerced into participating in your internal fact-finding. I do not know this debt. I do not recognize it. And I am not afraid of any further unlawful pressure. Attempting to drag this out or shift responsibility will only escalate your liability. \n\nAs for Admin Recovery, your call to my family member is indefensible and constitutes a clear FDCPA violation. You are hereby ordered to cease and desist all collection activity, unless and until you provide all of the following : ( 1 ) a copy of the original signed contract bearing my signature, ( 2 ) the complete and verifiable chain of title from XXXX XXXX  through every assignee, ( 3 ) a full account history from day one, and ( 4 ) a notarized affidavit from a custodian of records with personal knowledge and legal authority. Without those, you are not legally entitled to collect anything from me. Do not contact me again unless it is to provide all four items in writing, at once. \n\nThis account is disputed, unverified, and uncollectible. XXXX XXXX  is directed to immediately retrieve and nullify the file. You are forbidden from selling, transferring, or assigning it to any other debt collection agency, now or in the future. If I am contacted again about this account by any third party, I will initiate civil action for violations of the FDCPA, the FCRA, and the Maryland Consumer Debt Collection Act. I am fully prepared and financially equipped to proceed with litigation. Do not test that. \n\nAll written correspondence related to this matter must be sent only to the official mailing address I have provided in my CFPB complaint. You are expressly forbidden from sending any communicationphysical or electronicto any previously associated, known, or third-party addresses. I will consider any such action a willful violation of FDCPA 805 ( b ) and an escalation of your liability. You do not get to decide where to reach me. That decision has already been made, documented, and submitted through a federal regulatory complaint. Any deviation will be treated as harassment and reported accordingly.\n\nThis is final. You are not above the law. Govern yourselves accordingly.","date_sent_to_company":"2025-07-28T15:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"21811","tags":null,"has_narrative":true,"complaint_id":"14930724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Admin Recovery, LLC","date_received":"2025-07-28T15:40:47.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The FTC <em>report</em> overrides everything you have to sayyour <em>compliance</em> narratives are meaningless in the face of federal <em>documentation</em> and statutory rights. \n\nXXXX, your own <em>compliance</em> track record speaks volumes. In XXXX, XXXX levied the largest civil penalty in its history $ XXXXXXXX XXXX XXXX for systemic and sustained violations of the Bank Secrecy Act. You entered a four-year monitorship agreement as a result. In early XXXX, you paid another $ XXXX related to anti-money-laundering failures."]},"sort":[8.810551,"14930724"]},{"_index":"complaint-public-v1","_id":"14930682","_score":8.798484,"_source":{"product":"Debt collection","complaint_what_happened":"Demand for Immediate Cessation of Unlawful Collection Activity by TDBank, N.A. and XXXX Since neither TDBank nor its agent XXXX has ever produced a single instrument bearing my wetink signature, yet your contractor unlawfully contacted my family member and disclosed a purported obligation, I formally dispute the debt and place you on notice that all further collection efforts are barred under both the Fair Debt Collection Practices Act, 15U.S.C.1692c ( b ) ( prohibiting thirdparty disclosures ), and 1692g ( b ) ( requiring written validation ). I have no relationship with the alleged debt, and I have never banked with TD Bank in any capacity. As of today, I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), which is enclosed and legally supersedes any claim you attempt to assert.\n\nLet me make one thing abundantly clear : you are not authorized to contact any third party on my behalf, nor is any mailing to former addresses, family members, or any third-party contact valid. I am not in contact with any member of my family, and frankly, that is none of your business. Your actions are not just offensivethey are unlawful. The moment you called my family member and disclosed any information related to a debt, you violated FDCPA 805 ( b ). There are no exceptions here, and your violations are now a matter of federal record. I will not entertain excuses, deflections, or gaslighting responses attempting to justify your actions. The FTC report overrides everything you have to sayyour compliance narratives are meaningless in the face of federal documentation and statutory rights. \n\nTD, your own compliance track record speaks volumes. In XXXX, XXXX levied the largest civil penalty in its history $ XXXXagainst TD Bank for systemic and sustained violations of the Bank Secrecy Act. You entered a four-year monitorship agreement as a result. In early XXXX, you paid another $ XXXX related to anti-money-laundering failures. And yet again, in XX/XX/XXXX, a former TD employee pleaded guilty to taking bribes in exchange for opening more than 100 fraudulent accountsfresh evidence of a culture of compliance collapse. Your XXXX acquisition of XXXX XXXX failed due to unresolved federal scrutiny, and your board continues to churn under consent orders and criminal investigations. TDs entire pattern of behavior mirrors the failures that earned XXXX XXXX record-setting penalties for XXXX. Your institutions claim to regulatory credibility is laughable. \n\nFurthermore, let me be unequivocally clear : if TD Bank or any representative attempts to delay resolution by contacting me under the guise of needing more information or confirming account details, you will be ignored. I will not supply personal identifying information, account data, or anything elsebecause I do not recognize this account, and I have never opened or used a TD Bank credit card in my life. I owe you no duty to investigate your records on your behalf. The burden of proof lies solely with you, and any attempt to reverse that obligation will be construed as bad faith and intentional stalling. Under FDCPA 809 ( b ), I have a right to dispute a debt without being coerced into participating in your internal fact-finding. I do not know this debt. I do not recognize it. And I am not afraid of any further unlawful pressure. Attempting to drag this out or shift responsibility will only escalate your liability. \n\nAs for XXXX XXXX, your call to my family member is indefensible and constitutes a clear FDCPA violation. You are hereby ordered to cease and desist all collection activity, unless and until you provide all of the following : ( 1 ) a copy of the original signed contract bearing my signature, ( 2 ) the complete and verifiable chain of title from TD Bank through every assignee, ( 3 ) a full account history from day one, and ( 4 ) a notarized affidavit from a custodian of records with personal knowledge and legal authority. Without those, you are not legally entitled to collect anything from me. Do not contact me again unless it is to provide all four items in writing, at once.\n\nThis account is disputed, unverified, and uncollectible. TD Bank is directed to immediately retrieve and nullify the file. You are forbidden from selling, transferring, or assigning it to any other debt collection agency, now or in the future. If I am contacted again about this account by any third party, I will initiate civil action for violations of the FDCPA, the FCRA, and the Maryland Consumer Debt Collection Act. I am fully prepared and financially equipped to proceed with litigation. Do not test that.\n\nAll written correspondence related to this matter must be sent only to the official mailing address I have provided in my CFPB complaint. You are expressly forbidden from sending any communicationphysical or electronicto any previously associated, known, or third-party addresses. I will consider any such action a willful violation of FDCPA 805 ( b ) and an escalation of your liability. You do not get to decide where to reach me. That decision has already been made, documented, and submitted through a federal regulatory complaint. Any deviation will be treated as harassment and reported accordingly. \n\nThis is final. You are not above the law. Govern yourselves accordingly.","date_sent_to_company":"2025-07-28T15:52:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"21811","tags":null,"has_narrative":true,"complaint_id":"14930682","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-07-28T15:51:39.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The FTC <em>report</em> overrides everything you have to sayyour <em>compliance</em> narratives are meaningless in the face of federal <em>documentation</em> and statutory rights. \n\nTD, your own <em>compliance</em> track record speaks volumes. In XXXX, XXXX levied the largest civil penalty in its history $ XXXXagainst TD Bank for systemic and sustained violations of the Bank Secrecy Act. You entered a four-year monitorship agreement as a result. In early XXXX, you paid another $ XXXX related to anti-money-laundering failures."]},"sort":[8.798484,"14930682"]},{"_index":"complaint-public-v1","_id":"17673022","_score":7.736724,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian responded to my dispute dated XX/XX/year> by stating on XX/XX/year> that all negative items were verified as accurate. This response is invalid because Experian never provided any method of verification, documentation, or physical proof as required by FCRA 1681i ( a ) ( 7 ). \n\nOn XX/XX/year>, I submitted a follow-up letter requesting the exact method they used to verify the disputed accounts, including who they contacted, how they verified, and whether the verification was done through a XXXX, direct communication, or automated e-OSCAR. Experian has not provided any of this information. \n\n\nExperian is still reporting multiple inaccurate and unverifiable derogatory items including charge-offs, collections, and alleged delinquencies. Many are missing Metro-2 data fields, have inconsistent dates, unverified balances, and no evidence of permissible purpose. I also disputed a XXXX  XXXX bankruptcy entry that is missing required Metro-2 reporting codes ( XXXX, XXXX, and XXXX CII ), making it legally deficient and unverifiable under the FCRA.\n\nExperian also continues to publish incorrect personal identity information, including wrong name variations, unauthorized former addresses, and employer information that does not belong to me, violating FCRA 607 ( b ). I provided my correct identifiers and asked for all inaccurate information to be corrected. Experian did not correct it.\n\nBy sending a generic verified response without proof, Experian has failed to conduct a lawful reinvestigation under FCRA 611 ( a ) and is withholding the required verification explanation under 1681i ( a ) ( 7 ). Experian is also continuing to report inaccurate and unverifiable data after a consumer dispute, which is a violation of 623 ( a ) ( 1 ) ( A ).\n\nAs you know. I sent you a letter last month regarding the issues on my consumer report and now I am continuing to exercise my rights as a federally protected consumer under title 15 chapter 41. As I am well aware that there are still accounts on my consumer report that I never gave you written consent to furnish and you continue to ignore me. I Am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them.\n\nNotice, it is a fact, that i am aware, in accordance with 15 U.S. Code 168li ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed.\n\nAccording to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. i have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent.\n\nI hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under XXXX XXXX XXXX XXXX  and pursue litigation Section 621 of the fair credit reporting act also provides me the information about the administrative enforcement of the Federal Trade Commission.\n\nI am fully aware that you are performing unfair and deceptive acts in commerce and not being in full compliance will be a violation of {$2500.00} pursuant to 15 usc 1681s ( 2 ) ( A ).\n\nNow you claim that you verified these accounts as accurate, but 15USC 1681 ( a ) ( e ) makes it clear that if a consumer reporting agency investigates data on a consumer report, then it is known as an investigative consumer report and I understand that for you to conduct an investigation, you must conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the Consumer - Or anyone who has knowledge concerning such items or information I am well aware of 15 USC 1681s ( Section 623 ) that states data furnishers are indeed required to notify the consumer of any negative data being furnished and I can assure you that never happened or took place.\n\nThese data furnishes must provide proof they followed procedures or remove the following information from my consumer report. By you continuing to report accounts on my consumer report without my written consent along with you not respecting my right to privacy this is identity theft.\n\nAny transaction on here is a transaction that was from real-life experience which is supposed to be excluded from my consumer report : I, XXXX XXXX XXXX filed a dispute with Experian on XX/XX/year>, after discovering Experian is reporting multiple inaccurate, unverifiable, and improperly documented credit items. Experian failed to comply with FCRA 611 ( a ) ( 1 ) by not completing a proper reinvestigation within the required timeframe.\n\nExperian is reporting incorrect personal identifiers, including : Incorrect names Wrong address variations Unauthorized former employers Incorrect birth-year reporting\nThese inaccuracies contradict my verified identity information and violate FCRA 607 ( b ). \n\nI also disputed dozens of derogatory accounts including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts show inconsistent data fields across bureaus, missing Metro-2 fields, inaccurate balances, incorrect dates, and no proof of permissible purpose or validation.\n\nExperian is also inaccurately reporting a XXXX XXXX bankruptcy, missing multiple required reporting codes ( XXXX, XXXX, XXXXXXXX XXXX XXXX ), making it defective and unverifiable under FCRA.\n\nExperian has failed to : Provide documentation of validation Correct Metro-2 non-compliant entries Remove unverified accounts Accurately report my personal identifiers Please tell me how you verified these items as i have a right to know since the investigation you did last month is already over. Who did you talk to the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/ Phone number listed on my report. The Fair Credit Reporting act says you have 15 days to tell me if I ask. Don't provide me with the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. \n\nAlso, what is the date of commencement of delinquency? the original creditor is required to give that to you. So, when is that? When will these accounts be past the reporting timeframe? Don't provide me with the generic \" 7 years '' response. I am aware of that. Tell me when these alleged accounts became delinquent and specifically when they will be removed.\n\nSupply your response within 15 days or delete these accounts Please send the following information used to verify the validity of the accounts listed above along with information regarding my investigative consumer report or I demand these accounts be deleted in their entirety XXXX. The documentation used to verify the dispute XXXX. Documentation proving the Data Furnisher is metro 2 compliant and is reporting everything 100 % accurate. \nXXXX. Provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation XXXX. The name of the original creditor XXXX. The creditor 's Address and Telephone number. \nXXXX. The person 's name they verified the dispute with XXXX. Interviews with neighbors ( What neighbors did you speak to? ) XXXX. What friends of mine have you spoken to? \nXXXX. What associates of mine did speak to? \n\n\nIn accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. \nI would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. \nFailure to provide the XXXX XXXX XXXX that was sent from the data furnisher to yourself can put you into a lot of trouble. As it can be used against you in court in the discovery of evidence to prove the inaccuracy of the accounts listed above so I am hoping that you are smart and will comply.","date_sent_to_company":"2025-12-03T19:14:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78666","tags":null,"has_narrative":true,"complaint_id":"17673022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T19:08:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the Fair Credit <em>Reporting</em> Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the <em>Contractor</em> is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit <em>report</em>. i have yet to receive any proof from the person that is <em>reporting</em> on my consumer <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[7.736724,"17673022"]},{"_index":"complaint-public-v1","_id":"16583008","_score":7.4362016,"_source":{"product":"Mortgage","complaint_what_happened":"Capital Mortgage Services of Texas Attn : Customer Service XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX Re : Qualified Written Request and Servicing Error Demand RESPA Compliance Loan Number : XXXX Property Address : XXXX XXXX  XXXX XXXX, XXXX XXXX IN XXXX Dear XXXX  Officer, Please find enclosed my formal Qualified Written Request ( QWR ) and Notice of Servicing Error submitted pursuant to the Real Estate Settlement Procedures Act ( RESPA ), XXXX U.S.C XXXX XXXX ( XXXX ) and XXXX C.F.R. XXXX. This correspondence demands investigation and documentation regarding multiple servicing violations and an unlawful property preservation event that occurred in XX/XX/XXXX while my loan was under your companys administration. \nIncluded in this package are : - The signed RESPA Demand Letter ( dated XX/XX/XXXX ) ; - Supporting documentation and correspondence from your office confirming a servicing error ; - Witness statements and police reports verifying the unauthorized property entry. \nPlease note that under federal law you must acknowledge receipt within XXXX ( XXXX ) business days and provide a complete written response within thirty ( XXXX ) business days. All written responses and records should be mailed to my address above or sent electronically to XXXX. \nThank you for your immediate attention to this matter. \nSincerely, XXXX XXXX Enclosures : RESPA Demand Letter and Supporting Evidence CC : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, MD XXXX Servicing XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Email : XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX To : Capital Mortgage Services of Texas XXXX XXXX XXXX XXXX, TX XXXX Subject : Qualified Written Request and Servicing Error Demand RESPA Violation Notice Loan Number : XXXX Property Address : XXXX XXXX  XXXX XXXX, XXXX XXXX IN XXXX Dear Sir or Madam : I am the borrower on the above-referenced mortgage loan, originally serviced by your company, and this letter serves as a Qualified Written Request ( QWR ) and Notice of Servicing Error pursuant to XXXX U.S.C. XXXX ( XXXX ) and XXXX C.F.R. XXXX ( Regulation XXXX  ). \nI. Nature of Dispute and Errors Identified I am demanding a full accounting and investigation of my mortgage account and related servicing actions due to multiple servicing errors and unauthorized activity that occurred while you were the servicer of this loan. \nXXXX. Unauthorized Property Entry and Illegal Preservation Activity During the first week of XX/XX/XXXX, my home at XXXX XXXX XXXX XXXX, XXXX, IN was illegally entered and altered by individuals claiming to act under lender or servicer authority. I have written statements from the individual hired to perform this preservation, witness statements, and official police reports documenting the unauthorized entry, property removal, and resulting damages. These actions took place while I was in active written communication with Capital Mortgage Services regarding my account status. \nXXXX. Admission of Servicing Error Capital Mortgage Services, through your employee correspondence, admitted in writing that an error occurred when the account was misclassified as non-performing by XXXX ( XXXX XXXX XXXX ). You confirmed in writing that the account was later corrected to reflect it was performing and current. Despite this, the property was unlawfully entered and secured under the false pretense of delinquency. This constitutes a direct violation of RESPA and CFPB servicing standards for accuracy and borrower communication. \nXXXX. Failure to Maintain XXXX Homeowners XXXX While you were servicing this loan, my escrowed homeowners insurance premium was not properly disbursed, causing the policy to lapse without notice. This failure left the property uninsured during the XX/XX/XXXX preservation activity, creating further financial and material damage. This lapse is a clear violation of XXXX XXXX. XXXX ( g ) and XXXX C.F.R. \nXXXX ( k ). \nXXXX. Improper Account Communication and Failure to Protect Borrower Rights I received conflicting communications from Capital Mortgage Services and other entities claiming authority over this loan. At no point did I receive a valid foreclosure notice, acceleration warning, or due process as required before initiating any property entry or possession actions. \nXXXX. Documentation and Information Requested Under RESPA, I am requesting the following documents and records within the statutory timeframe : XXXX. A full and itemized payment history from origination to present. \nXXXX. Complete escrow account records and insurance disbursement details. \nXXXX. All internal servicing notes, communications, or system data referring to XXXX, the misclassification of non-performance, or correction notices. \nXXXX. Copies of any work orders or vendor authorizations related to property preservation in XX/XX/XXXX. \nXXXX. All correspondence sent or received by Capital Mortgage Services regarding this loans performance status. \nXXXX. The current note holder and contact information for any sub-servicer or third-party contractors. \nXXXX. XXXX Obligations Under XXXX U.S.C. XXXX ( XXXX ), you must : - Acknowledge receipt of this request within XXXX ( XXXX ) business days ; and- Provide a complete response within thirty ( XXXX ) business days. \nFailure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Indiana Attorney XXXX XXXX, and referral to legal counsel for enforcement and damages under RESPA and Regulation X. \nIV. Mailing Instructions Please send all responses and supporting documents to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX or electronically to : XXXX Sincerely, XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, CO XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX","date_sent_to_company":"2025-10-15T03:14:45.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"47403","tags":null,"has_narrative":true,"complaint_id":"16583008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siwell Inc","date_received":"2025-10-15T03:02:57.000Z","state":"IN","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["This correspondence demands investigation and <em>documentation</em> regarding multiple servicing violations and an unlawful property preservation event that occurred in XX/XX/XXXX while my loan was under your companys administration. \nIncluded in this package are : - The signed RESPA Demand Letter ( dated XX/XX/XXXX ) ; - Supporting <em>documentation</em> and correspondence from your office confirming a servicing error ; - Witness statements and police <em>reports</em> verifying the unauthorized property entry."]},"sort":[7.4362016,"16583008"]},{"_index":"complaint-public-v1","_id":"3698488","_score":6.624223,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is possibly my twentieth time attempting to get outdated information/incorrect account information of my report. this has harmed me financially and has prevented me from purchasing a home. \n\nThis letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note.In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] \" Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX This letter is a formal request to remove outdated information from my credit report. For easy reference, I've enclosed a copy of the credit removal requests, for XXXX, XXXX XXXX and XXXX XXXX  who removed the item and then placed it right back in XXXX of XXXX on the same day the account of from XXXX it is now XXXX. \n\nThis letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. \nThe exact statute : [ 15 USC 1692e ] 0 ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\nThe Following Account Are in Violation of the Florida Statute 95.11 XXXX XXXX XXXX XXXX XXXX PER THE REPORTS THIS ITEM WAS FIRST REPORTED XX/XX/XXXX ALLEGED ACCOUNT XXXX CONTRACT CANCELLED 95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS. \n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. \n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ). \n( c ) An action to foreclose a mortgage. \n( d ) An action alleging a willful violation of s. 448.110. \n\nWITHIN FOUR YEARS. \n( a ) An action founded on negligence. \n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority. \n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest. \n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment. \n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures. \n( f ) An action founded on a statutory liability. \n( g ) An action for trespass on real property. \n( h ) An action for taking, detaining, or injuring personal property. \n( i ) An action to recover specific personal property. \n( j ) A legal or equitable action founded on fraud. \n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts. \n( l ) An action to rescind a contract. \n( m ) An action for money paid to any governmental authority by mistake or inadvertence. \n( n ) An action for a statutory penalty or forfeiture. \n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes. \n( q ) An action alleging a violation, other than a willful violation, of s. 448.110. \n\nAdditionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. \nI am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which XXXX include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. \n\nI request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request : ONLY INFORMATION THAT SHOULD SHOW ON MY REPORT IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX Current Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Previous Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX EMPLOYER- SHOULD ONLY SHOW 1 XXXX Department of Economic XXXX XXXX XXXX Florida 2 . XXXX XXXX XXXX, Owner PHONE NUMBER SHOULD ONLY SHOW XXXX I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. \nFinally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation.","date_sent_to_company":"2020-06-14T15:22:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"3698488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-14T15:22:33.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["I am also doubtful that you would have adequate <em>documentation</em> to prove in court that you have the right to <em>report</em> this negative information on my credit <em>report</em>, and therefore you are in violation of the Fair Credit <em>Reporting</em> Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to <em>report</em> this information by requesting an investigation."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[6.624223,"3698488"]},{"_index":"complaint-public-v1","_id":"3698489","_score":6.615172,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is possibly my twentieth time attempting to get outdated information/incorrect account information of my report. this has harmed me financially and has prevented me from purchasing a home. \n\nThis letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note.In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] \" Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run XXXX or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX This letter is a formal request to remove outdated information from my credit report. For easy reference, I've enclosed a copy of the credit removal requests, for XXXX, XXXX XXXX and XXXX XXXX  who removed the item and then placed it right back in XXXX of XXXX on the same day the account of from XXXX it is now XXXX. \n\nThis letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. \nThe exact statute : [ 15 USC 1692e ] 0 ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\nThe Following Account Are in Violation of the Florida Statute 95.11 XXXX XXXX XXXX XXXX XXXXt- PER THE REPORTS THIS ITEM WAS FIRST REPORTED XX/XX/XXXX ALLEGED ACCOUNT XXXX CONTRACT CANCELLED XXXX11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS. \n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. \nXXXX b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. XXXX XXXX XXXX XXXX and 713.23 ( 1 ) ( e ). \n( c ) An action to foreclose a mortgage. \n( d ) An action alleging a willful violation of s. XXXX. \n\nWITHIN FOUR YEARS. \n( a ) An action founded on negligence. \n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority. \n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest. \n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment. \n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures. \n( f ) An action founded on a statutory liability. \n( g ) An action for trespass on real property. \n( h ) An action for taking, detaining, or injuring personal property. \n( i ) An action to recover specific personal property. \n( j ) A legal or equitable action founded on fraud. \n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts. \n( l ) An action to rescind a contract. \n( m ) An action for money paid to any governmental authority by mistake or inadvertence. \n( n ) An action for a statutory penalty or forfeiture. \n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes. \n( q ) An action alleging a violation, other than a willful violation, of s. 448.110. \n\nAdditionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. \nI am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. \n\nI request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request : ONLY INFORMATION THAT SHOULD SHOW ON MY REPORT IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX Current Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Previous Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX EMPLOYER- SHOULD ONLY SHOW 1 XXXX Department of Economic XXXX XXXX XXXX Florida 2 XXXX XXXX XXXX XXXX Owner PHONE NUMBER SHOULD ONLY SHOW XXXX I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. \nFinally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation.","date_sent_to_company":"2020-06-14T15:22:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"3698489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-14T14:23:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am also doubtful that you would have adequate <em>documentation</em> to prove in court that you have the right to <em>report</em> this negative information on my credit <em>report</em>, and therefore you are in violation of the Fair Credit <em>Reporting</em> Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to <em>report</em> this information by requesting an investigation."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[6.615172,"3698489"]},{"_index":"complaint-public-v1","_id":"3698487","_score":6.615172,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is possibly my twentieth time attempting to get outdated information/incorrect account information of my report. this has harmed me financially and has prevented me from purchasing a home. \n\nThis letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note.In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] \" Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run XXXX or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX This letter is a formal request to remove outdated information from my credit report. For easy reference, I've enclosed a copy of the credit removal requests, for XXXX, XXXX XXXX and XXXX XXXX  who removed the item and then placed it right back in XXXX of XXXX on the same day the account of from XXXX it is now XXXX. \n\nThis letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. \nThe exact statute : [ 15 USC 1692e ] 0 ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\nThe Following Account Are in Violation of the Florida Statute 95.11 XXXX XXXX XXXX XXXX XXXX PER THE REPORTS THIS ITEM WAS FIRST REPORTED XX/XX/XXXX ALLEGED ACCOUNT XXXX CONTRACT CANCELLED XXXX OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS. \n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. \n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ). \n( c ) An action to foreclose a mortgage. \n( d ) An action alleging a willful violation of s. 448.110. \n\nWITHIN FOUR YEARS. \n( a ) An action founded on negligence. \n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority. \n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest. \n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment. \n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures. \n( f ) An action founded on a statutory liability. \n( g ) An action for trespass on real property. \n( h ) An action for taking, detaining, or injuring personal property. \n( i ) An action to recover specific personal property. \n( j ) A legal or equitable action founded on fraud. \n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts. \n( l ) An action to rescind a contract. \n( m ) An action for money paid to any governmental authority by mistake or inadvertence. \n( n ) An action for a statutory penalty or forfeiture. \n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes. \n( q ) An action alleging a violation, other than a willful violation, of s. 448.110. \n\nAdditionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. \nI am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which XXXX include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. \n\nI request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request : ONLY INFORMATION THAT SHOULD SHOW ON MY REPORT IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX Current Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Previous Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX EMPLOYER- SHOULD ONLY SHOW 1 XXXX Department of Economic XXXX XXXX XXXX Florida 2 XXXX XXXX XXXX XXXX, Owner PHONE NUMBER SHOULD ONLY SHOW XXXX I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. \nFinally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation.","date_sent_to_company":"2020-06-14T15:22:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"3698487","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-06-14T15:22:33.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["I am also doubtful that you would have adequate <em>documentation</em> to prove in court that you have the right to <em>report</em> this negative information on my credit <em>report</em>, and therefore you are in violation of the Fair Credit <em>Reporting</em> Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to <em>report</em> this information by requesting an investigation."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[6.615172,"3698487"]},{"_index":"complaint-public-v1","_id":"11559075","_score":5.093839,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint Date : XX/XX/XXXX Subject : Denial of Credit Access, Unfair Demands, Breach of Fiduciary Duty, Fraud, Discriminatory Practices, Violation of Privacy, and Exploitation of Personal Information for Profit. \n\nComplaint Details : XXXX XXXX XXXX XXXX XXXX, acting as the fiduciary XXXX for the beneficiary XXXX XXXX XXXX XXXX, is filing this grievance against Capital One for unjustly denying credit access, demanding excessive and arbitrary requirements, and failing to honor fiduciary responsibilities. Capital One 's actions have resulted in fraud, breach of fiduciary duty, and significant harm to the financial stability and privacy of the beneficiary. \nUnreasonable Demands and Discriminatory Practices in Denying Credit Approval : Despite providing Capital One with sufficient documentation, including : One month of bank statements. \nA {$4000.00} down payment offer. \nA XXXX of XXXX for collateral to facilitate leveraging for a XXXX XXXX XXXX XXXX ( XXXX ). \nCapital One insisted on an additional {$8000.00} down payment, two years worth of tax summaries, and three months of bank statements. These excessive demands are both unnecessary and discriminatory, particularly as the documentation provided meets standard financial verification procedures. Capital Ones refusal to process the credit application undermines the beneficiarys ability to access financial products and violates consumer protection laws. \nBreach of Fiduciary Duty and Fraudulent Practices : Capital One, as a financial institution, had a fiduciary duty to protect the beneficiarys sensitive information. Instead, Capital One used the beneficiarys personal and financial detailsincluding Social Security numbers, bank account information, signatures, and other confidential datafor their own financial advantage. This constitutes a breach of fiduciary duty and fraud, as Capital One exploited this information to generate profits without fulfilling their obligations to process the beneficiary 's credit application. They have made profits off of the beneficiarys data, effectively leveraging it for financial gain, without granting the requested credit. \nViolation of Privacy Rights : Capital Ones demand for unnecessary documentation, despite having access to sufficient information, constitutes an unlawful violation of privacy. The signature, Social Security number, and other private details have been mishandled, violating federal privacy laws, including the Right to Financial Privacy Act ( RFPA ). Capital Ones actions demonstrate a disregard for the beneficiary 's privacy rights, with significant legal ramifications for improper use of personal data. \nExploitation of Personal Information for Profit : Capital Ones actions suggest that they have profited from the XXXX information, including his Social Security number, signature, and XXXX XXXX XXXX. Heres how Capital One could potentially profit : Securitization : Financial institutions like Capital One often engage in securitizing personal information and loans. The XXXX XXXX of XXXX ( XXXX ) and XXXX of XXXX could be used as collateral to create tradable securities or financial instruments. These instruments are sold in financial markets, and the capital derived from these securities could result in unjust enrichment for Capital One. \nLeveraging Personal Data : Institutions like Capital One might use an applicant 's signature and personal identifiers ( e.g., Social Security number ) to create financial products. This could include leveraging the beneficiarys creditworthiness to generate profits through various lending and investment mechanisms, such as bond issuance, debt creation, or securitized loan pools. \nFinancial Product Issuance : By using the Standby Letter of Credit as collateral, Capital One could leverage it to issue other financial products, such as bonds, guaranteed loans, or other securities, effectively generating profits from the XXXX private data and collateral. These financial instruments can be resold to other investors or institutions, creating multiple layers of profit. \nLegal Violations : The actions of Capital One, as described, are in clear violation of several laws : XXXX XXXX ( Fourth and Fifth Amendments ) : Capital Ones demand for additional unnecessary documentation constitutes an unlawful search and XXXX of private information, as well as a violation of due process by denying access to credit without just cause. \nFair Credit Reporting Act ( FCRA ) : Capital One has failed to comply with FCRA standards in the processing of the credit application, denying the beneficiary access to credit without a legitimate, non-discriminatory reason. \nRight to Financial Privacy Act ( RFPA ) : The improper use of the beneficiarys financial information constitutes a violation of RFPA protections, which safeguard individuals from unauthorized use of their financial data. \nSecurities and Exchange Commission ( SEC ) Regulations : As a registered financial institution, Capital One is bound by SEC regulations regarding transparency and fiduciary responsibility. Using the beneficiarys financial information to generate profits through securities issuance and other financial instruments constitutes a violation of SEC regulations. \nUniform Commercial Code ( UCC ) : Capital One has acted in bad faith, violating provisions of the XXXX that require fair dealing and transparency in financial transactions. The XXXX XXXX of XXXX ( XXXX ) and XXXX of XXXX should have been honored as valid financial instruments for securing the credit application. \nFederal Reserve XXXX : Capital One, as a financial institution under the regulation of the Federal Reserve, has failed to adhere to proper financial standards in handling the beneficiary 's credit application and personal information. \nVicarious Liability and Insurance Bond Claim : Capital One is vicariously liable for its actions and any misconduct committed by its employees or agents. As such, we demand that XXXX Ones insurance bond be activated to cover damages resulting from their breach of fiduciary duty, fraud, and the denial of credit access. The forensic audit will help to uncover any profits made by Capital One from the improper use of the beneficiarys personal and financial information, and any such profits must be returned and the associated practices terminated. \nAdditional Laws Violated : Truth in Lending Act ( TILA ) Violation : Capital One may have violated the Truth in Lending Act by failing to provide clear and accurate disclosures about the terms of the loan, the down payment requirements, and the total cost of credit. This Act mandates lenders to provide full transparency regarding loan costs and terms to consumers, and the excessive and arbitrary demands for documentation and down payment may be considered deceptive or discriminatory. \nEqual Credit Opportunity Act ( ECOA ) Violation : Under the Equal Credit Opportunity Act, lenders must make credit decisions without regard to race, XXXX, religion, national origin, XXXX, marital status, or age ( unless applicable for credit ). The complaint highlights discriminatory practices in the form of excessive demands for documentation and down payments that could be construed as a form of discrimination based on the beneficiarys financial status or other protected class characteristics. \nFair Debt Collection Practices Act ( FDCPA ) Violation : If Capital One is using aggressive tactics to demand large down payments or otherwise harassing the beneficiary regarding the credit applica\n\ntion, it may violate the Fair Debt Collection Practices Act. This law prohibits unfair or abusive practices when collecting debts or seeking payment for credit-related transactions.\n\nConsumer Financial Protection Act ( CFPA ) Violation : As part of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Consumer Financial Protection Act holds financial institutions accountable for unfair, deceptive, or abusive acts or practices. Capital One 's actionsdenying credit and making unreasonable demands for documentationmay fall under this category, especially as it involves an unjust denial of credit and exploitation of personal data for profit.\n\nBank Secrecy Act ( BSA ) / Anti-Money Laundering ( AML ) Laws Violation : The Bank Secrecy Act requires financial institutions to establish anti-money laundering procedures, report suspicious activities, and maintain accurate records of financial transactions. If Capital One failed to ensure that the beneficiary 's information was used appropriately and in compliance with anti-money laundering laws, there could be a violation of these provisions. \nFinancial Privacy Protection Act ( FPPA ) Violation : The Financial Privacy Protection Act limits the ability of financial institutions to disclose personal financial information and requires consumer consent. If Capital One used the beneficiary 's private information without proper consent or for purposes not clearly outlined, such as securitizing personal data or leveraging it for profit, this could violate privacy protections under the FPPA.\n\nGramm-Leach-Bliley Act ( GLBA ) Violation : The Gramm-Leach-Bliley Act mandates that financial institutions safeguard consumer information, disclose privacy practices, and ensure that consumer data is not misused. If Capital One improperly used the beneficiary 's Social Security number, signature, or other personal data to create financial products or profit, this would be a direct violation of GLBA. \nF\n\nair Credit Billing Act ( FCBA ) Violation : The Fair Credit Billing Act protects consumers from unfair billing practices. If Capital One attempted to force the beneficiary to pay excessive fees or chargessuch as an unjustifiable {$8000.00} down paymentthis may be considered a violation under the Fair Credit Billing Act, especially if these charges were not disclosed or justified properly. Uniform Commercial Code ( UCC ) - Article 9 Violation : Capital Ones refusal to accept the Bill of Exchange and Standby Letter of Credit for collateral might also breach provisions under UCC Article 9 concerning secured transactions. The UCC mandates that financial institutions properly accept and secure collateral when a borrower offers it for a loan. Capital One 's rejection of these valid forms of security could be a violation of UCC provisions regarding secured transactions. \nCivil Rights Act of 1964 - Title VI Violation : The Civil Rights Act of 1964 prohibits discrimination on the basis of race, color, or national origin under programs and activities receiving federal financial assistance. If Capital One, as a federally regulated financial institution, engages in discriminatory credit practices based on race or other protected classes, they may be in violation of Title VI of the Civil Rights Act.\n\nPrivacy Act of 1974 Violation : The Privacy Act of 1974 protects individuals from the improper collection, maintenance, use, or dissemination of personal data by federal agencies and contractors. If Capital One used the beneficiarys personal data inappropriately, such as by leveraging it to secure financial products, this could constitute a violation under the Privacy Act of 1974. \n\nHow Capital One Can Make Money/Profit from the Application and Personal Information : Securitization of Personal Information : Financial institutions often engage in securitization of consumer loans. By using the beneficiarys Social Security number, signature, and other sensitive data, Capital One can create loan-backed securities ( such as mortgage-backed securities or asset-backed securities ). These securities can be sold to investors, allowing Capital One to generate profits from the beneficiarys application and personal data. \nUse of the Bill of Exchange and Standby Letter of Credit ( SBLC ) : When the beneficiary presented the Bill of Exchange and Standby Letter of Credit ( SBLC ), Capital One could have used these financial instruments as collateral to generate funds. These instruments can be leveraged in capital markets to create tradable financial products or guarantees. By using the beneficiarys information to facilitate these financial products, Capital One stands to make profits without extending credit or granting the requested financing. \nSale of Credit-Related Products : By analyzing the applicants creditworthiness and other financial data, Capital One could potentially create and sell financial products such as loans, credit lines, or bonds that are based on the beneficiarys credit application. These products, derived from the beneficiary 's information, could be resold to other investors for a significant profit. \nData Monetization : Financial institutions, especially large banks, may monetize personal information through data-sharing agreements with other corporations or financial institutions. Capital One could be profiting by selling the beneficiary 's personal and financial data to other entities for marketing, risk analysis, or credit-related transactions. \n\nConclusion : In total, the actions of Capital One represent numerous violations of privacy, fiduciary duty, consumer protection laws, and financial regulations. The use of personal data for profit and the unjust denial of credit access violates a number of key consumer protection laws, including TILA, ECOA, FCRA, and GLBA, among others. These legal violations, coupled with the potential for unjust enrichment from the beneficiary 's information, demand immediate attention and action from the CFPB and relevant regulatory authorities. \n\nDemands : A full forensic audit into the processing of the credit application, including the use of the Standby Letter of Credit, the Bill of Exchange, and any profits generated from the beneficiary 's personal data. \nActivation of Capital Ones insurance bond to cover damages arising from the breach of fiduciary duty, fraud, and wrongful denial of credit access. \nA formal explanation from Capital One as to why the application was denied, despite the provision of sufficient documentation and collateral. \nA commitment from Capital One to cease the exploitation of the beneficiarys private data and provide assurances that such actions will not be repeated. \nA full disclosure of any profits or financial instruments generated from the beneficiarys information and personal data. \n\nConclusion : XXXX XXXX XXXX XXXX XXXX, acting on behalf of the beneficiary, XXXX XXXX XXXX XXXX, reserves all rights to pursue legal action for violations of privacy, fiduciary duty, fraud, discrimination, and unjust enrichment. We call on the CFPB to investigate Capital One 's practices thoroughly and ensure that they are held accountable for their wrongful actions. \nWe look forward to your prompt investigation into this matter. \nRespectfully, XXXX XXXX XXXX XXXX XXXX, On behalf of XXXX XXXX XXXX XXXX ; BENEFICIARY","date_sent_to_company":"2025-01-17T15:02:08.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11559075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-17T14:52:40.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Bank Secrecy Act ( BSA ) / Anti-Money Laundering ( AML ) Laws Violation : The Bank Secrecy Act requires financial institutions to establish anti-money laundering procedures, <em>report</em> suspicious activities, and maintain accurate records of financial transactions. If Capital One failed to ensure that the beneficiary 's information was used appropriately and in <em>compliance</em> with anti-money laundering laws, there could be a violation of these provisions."]},"sort":[5.093839,"11559075"]},{"_index":"complaint-public-v1","_id":"8140712","_score":4.573386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Lexis Nexis continues to report an alleged bankruptcy onto my consumer report. This is a violation of my consumer rights as this bankruptcy has not been properly verified as belonging to me. I have repeatedly asked that they provide me with documentation or the person they have spoken to that verified this alleged bankruptcy. \n( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. \n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. \n\n( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. \n( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.\n\n( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). \n( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). \n( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.\n\n( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( XXXX ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( 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 ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. \n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding XXXX, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( XXXX ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding XXXX, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court.\n\n( 5 ) An action to enforce any liability created under this section may be brought in the district court of the United States in the district in which the complainant resides, or has his principal place of business, or in which the agency records are situated, or in the District of Columbia, without regard to the amount in controversy, within two years from the date on which the cause of action arises, except that where an agency has materially and willfully misrepresented any information required under this section to be disclosed to an individual and the information so misrepresented is material to establishment of the liability of the agency to the individual under this section, the action may be brought at any time within two years after discovery by the individual of the misrepresentation. Nothing in this section shall be construed to authorize any civil action by reason of any injury sustained as the result of a disclosure of a record prior to XX/XX/XXXX. \n( h ) Rights of Legal Guardians.\n\nFor the purposes of this section, the parent of any minor, or the legal guardian of any individual who has been declared to be incompetent due to physical or mental incapacity or age by a court of competent jurisdiction, may act on behalf of the individual.\n\n( i ) ( 1 ) Criminal Penalties.\n\nAny officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established thereunder, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}.\n\n( 2 ) Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}.\n\n( 3 ) Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}.\n\n( j ) General Exemptions.The head of any agency may promulgate rules, in accordance with the requirements ( including general notice ) of sections 553 ( b ) ( 1 ), ( 2 ), and ( 3 ), ( c ), and ( e ) of this title, to exempt any system of records within the agency from any part of this section except subsections ( b ), ( c ) ( 1 ) and ( 2 ), ( e ) ( 4 ) ( A ) through ( F ), ( e ) ( 6 ), ( 7 ), ( 9 ), ( 10 ), and ( 11 ), and ( i ) if the system of records is ( 1 ) maintained by the Central Intelligence Agency ; or ( 2 ) maintained by an agency or component thereof which performs as its principal function any activity pertaining to the enforcement of criminal laws, including police efforts to prevent, control, or reduce crime or to apprehend criminals, and the activities of prosecutors, courts, correctional, probation, pardon, or parole authorities, and which consists of ( A ) information compiled for the purpose of identifying individual criminal offenders and alleged offenders and consisting only of identifying data and notations of arrests, the nature and disposition of criminal charges, sentencing, confinement, release, and parole and probation status ; ( B ) information compiled for the purpose of a criminal investigation, including reports of informants and investigators, and associated with an identifiable individual ; or ( C ) reports identifiable to an individual compiled at any stage of the process of enforcement of the criminal laws from arrest or indictment through release from supervision.\n\nAt the time rules are adopted under this subsection, the agency shall include in the statement required under section 553 ( c ) of this title, the reasons why the system of records is to be exempted from a provision of this section.\n\n( k ) Specific Exemptions.The head of any agency may promulgate rules, in accordance with the requirements ( including general notice ) of sections 553 ( b ) ( 1 ), ( 2 ), and ( 3 ), ( c ), and ( e ) of this title, to exempt any system of records within the agency from subsections ( c ) ( 3 ), ( d ), ( e ) ( 1 ), ( e ) ( 4 ) ( G ), ( H ), and ( I ) and ( f ) of this section if the system of records is ( 1 ) subject to the provisions of section 552 ( b ) ( 1 ) of this title ; ( 2 ) investigatory material compiled for law enforcement purposes, other than material within the scope of subsection ( j ) ( 2 ) of this section : Provided, however, That if any individual is denied any right, privilege, or benefit that he would otherwise be entitled by Federal law, or for which he would otherwise be eligible, as a result of the maintenance of such material, such material shall be provided to such individual, except to the extent that the disclosure of such material would reveal the identity of a source who furnished information to the Government under an express promise that the identity of the source would be held in confidence, or, prior to the effective date of this section, under an implied promise that the identity of the s","date_sent_to_company":"2024-01-11T00:42:46.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"8140712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-01-11T00:34:42.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lexis Nexis continues to <em>report</em> an alleged bankruptcy onto my consumer <em>report</em>. This is a violation of my consumer rights as this bankruptcy has not been properly verified as belonging to me. I have repeatedly asked that they provide me with <em>documentation</em> or the person they have spoken to that verified this alleged bankruptcy."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[4.573386,"8140712"]},{"_index":"complaint-public-v1","_id":"7620688","_score":4.307274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LexisNexis continues to report inaccurate information on my consumer report. LexisNexis stated that they verified my bankruptcy through records with an address that is NOT mine. I called the bankruptcy court and they stated they DO NOT give out any court records unless it is to the attorney or parties to the case as it is a violation of privacy. LexisNexis is not an attorney or a party in this bankruptcy case and do not have my consent to report this alleged bankruptcy.Who did LexisNexis speak with to validate this alleged bankruptcy turn over the records so I may inspect them.\n\n15 U.S. Code 1681r - Unauthorized disclosures by officers or employees Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both. \n( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. \n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. \n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.\n\n( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\n( 2 ) Effective date Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after September 30, 1996.\n\n( d ) Information required to be disclosed ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.\n\n( 2 ) Key factor in credit score information Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities. \n\n( XXXX ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. \n\n( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.\n\n( g ) Truncation of credit card and debit card numbers ( 1 ) In general Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.\n\n( 2 ) Limitation This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card. \n\n( 3 ) Effective date This subsection shall become effective ( A ) 3 years after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is in use before January 1, 2005 ; and ( B ) 1 year after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is first put into use on or after January 1, 2005.\n\n( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy.\n\n( 2 ) Regulations ( A ) Regulations required The Bureau shall,, [ 2 ] in consultation with the Federal banking agencies, the National Credit Union Administration, and the Federal Trade Commission,, [ 2 ] prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. \n5 U.S. Code 552a - Records maintained on individuals U.S. Code Notes prev | next ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( 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 ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subse\nctions ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo. \n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action. \n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court. \n( 5 ) An action to enforce any liability created under this secti","date_sent_to_company":"2023-10-03T01:56:31.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7620688","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-10-03T01:48:17.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer <em>reporting</em> agency shall include in the <em>report</em> that such case or filing was withdrawn upon receipt of <em>documentation</em> certifying such withdrawal."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[4.307274,"7620688"]},{"_index":"complaint-public-v1","_id":"8576967","_score":3.4448082,"_source":{"product":"Credit card","complaint_what_happened":"The Consumer Financial Protection Bureau (CFPB)\n\nComplaint ID #2XXXX\n\nOriginally submitted on XXXX XXXX XXXX, as a Federal Reserve banking services credit card product issue, the problem stated as a purchase shown on my account statement, filed against XXXX XXXX, has been formally withdrawn, given better understanding of the Federal regulatory divisions.  \n\nSo for clarity, this complaint is intended against XXXX XXXX, XXXX XXXX XXXX XXXX and its credit card subsidiaries for violations of the legacy and recently issued customer compliance outlook dated XXXX.\n\nThe Federal Reserve consumer protection and community development to help ensure a fair and transparent financial services marketplace that benefits all Americans.\n\nFairness and transparency  along with consistency  are guiding principles that inform my perspective on bank supervision and regulation. \n\nTogether, these three elements help to ensure that the supervisory expectations are clear and, in doing so, encourage open communication between banks and supervisors. \n\nAs the Consumer Compliance Outlook (CCO) furthers these goals by providing financial institutions, compliance professionals, and the public with information about compliance with the laws and regulations that protect consumers and support investments in communities.\n\nId share that as the control documents fall into an ever-growing directory of regulations, laws, and advisories, its increasingly difficult for consumers to point to a single control document to gain the banks support staff attention i.e., REG E, once stop the process and guided prescribed steps required, without such assistance its often difficult to expedite consumer concerns.\n\nAmerican Consumers and lawmakers have repeatedly called for common-sense oversight surrounding personal financial data that gives consumers more control.\n\nTowards that end, there needs to be a restriction on what and how financial data can be bought and sold with, by, and through Big Tech firms as they morph into payment giants, demanding restrictive actions and oversight of peer organizations.\n\nIf tech names can show connective on financial transaction, its intimidation of consumers, intended or not, is seemingly insurmountable. So, if you go to the bank and are then returned to the culprit, where do you go for assistance?\n\nAlthough my complaint requires filing with both CFPB and FTC, its difficult to explain the issue without referencing both and correctly the U.S. financial institutions credit card issuers in these complaints the language may vary, however the results convey and enforce uniformly the same.\n\nU.S. Banks will not accept formal filings of complaint against XXXX XXXXXXXX., and thus, no consumer dispute calendar is ever engaged. \n\nAnd recently, just confirming those facts I found can generate a new series of actions by XXXX  about consumer identity and/or financially related inquiries, although a consumer has a known relationship with XXXX.\n\nIt sounds as if the banks refer consumer into XXXX, but the banks support and service personnel advise,   its difficult to contact XXXX by phone (but, easier than the standard long convoluted online client assistance offered by XXXX as a standard service method) so, expect long wait times, and please avoid Mondays under all circumstances. \n\nI wont call names but, one service representative, told the bank didnt accept disputes because all issues involving XXXX had to have XXXX  approval to resolve and only after insisting she offered an alternative.\n\nThe Banks representative asked me to hold. She stated,   however when I return dont refer to me, just explain the circumstances to XXXX, Ill listen silently and when the Apple rep. agrees and disconnects remain on the line and Ill return to insure a credit is issued. \n\nTraditionally, however, the banks representatives simply state questions related to XXXX credits and charges are exclusively handled by XXXX.\n\nThere is one exception, specific to XXXX XXXX deservant of special note, which was a back office engagement.\n\nIn the XXXX XXXX XXXX, on three separate and distinct dates, the Banks automation kicked-off the following advice:\n\nPlease let us know if you or an authorized user recognize the purchase below. The sooner we hear from you, the sooner we can help protect your account from unauthorized purchases.\n\nOn all three (3) the merchant, XXXX for XXXX, each had received an automated DECLINE, the electronic notice further stated.\n\nIf you respond yes, declined transactions will stay declinedAfter responding, try your card again.\n\nI received the same notice on XXXX XXXX and on XXXX XXXX XXXX, at which time I called the Bank to inquiry why Id started receiving these notices. I, like many, dont always use the same card from purchase to purchase or month to month.\n\nBut, I didnt realize these notices were connected to the Banks systematic authorization application and would generate auto-declines on any purchase in the future anytime the card was used and without explanation.\n\nIt was a holiday weekend, as I recall, so it would have been  Wednesday, XXXX XXXX XXXX, when I spoke to a Bank customer service representative, who asked for patience as she transferred the call. \n\nThe authorization rep., wasnt as I recall being in the least concerned for my understanding, which was usual but, it was clear the authorization rep., needed and was going to clear the decline against XXXX at all cost.\n\nWhat made it especially memorable was the fact, he advised the card would stop every time used until the decline was lifted and when I asked why he advised it was the fact the card had a decline for a charge against XXXX? \n\nThe comment, the authorization issue, was so bothersome. I stated it would not be acceptable, and Id need a name and what policy of XXXX XXXX this decision was tied to?\n\nThat was the first time he began searching for work around-s but it was the first time he advised hed insure the card continued to operate.\n\nI can only assume he re-instated or removed it all together because wed agreed Id reach out to advise but, when I researched the one item, it lead to another and quickly became overwhelming.\n\nI cant imagine what a senior or young college-age-consumer or anyone working outside the home could do to manage through the process and maintain employment, or a reasonable family-life or a life, period.\n\nWith no assistance from the Bank I attempted to complete a forensic audit and recap of the credit cards transactions held with XXXX XXXX alone, for XXXX:\n\nLet me walk you through just one of many transactions with one credit card processor.\n\nXXXX, XXXX bills my XXXX account twice once for Cloud storage and the second a music subscription.\n\nXXXX RECONCILIATION DOC: of XXXX billing shows both a Music Subscription and Cloud storage charge dated XXXX and XXXX.\n\nREMEMBER XXXX XXXX automated system reports a serial of transaction requiring authorization and in discussion with their authorization support member, basically its agree or every future authorization with be, declined and, the advice offered is I have number to offer for assistance but, staffing is limited (notifications dated XXXX XXXX and XXXX).\n\nMost importantly, no documentation is kicked off or documented and/or disclosures generated.\n\nXXXX SUPPORT is online only, so the consumer is required to figure out the description successfully to get to the end-result. \n\nIf youre unsuccessful, you can ask a chat-bot which offers the same details in an endless loop with no live support available so, can anyone see how this meets the ADA requirements or timelessness standards?\n\nXXXX, XXXX also bills XXXX XXXX account XXXX, for Music Services and a separate generated billing and statement (attached)\n\nXXXX, 1XXXX XXXX  bills XXXX XXXX account XXXX# titled BILL CA.\n\nXXXX, XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX, XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX bill XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX XXXX bills XXXX XXXX account XXXX# traditionally TV service.\n\nXXXX XXXX bills XXXX XXXX account XXXX# traditionally Music storage charge.\n\nXXXX XXXX accounts once, re-numbered, not continue to report or display so, you need bank assistance to determine long-term damage and access. \n\nAnd whether inadvertent or intentional, the scope and manner of XXXX actions and provide warning of how easily monopolist organizations set-up shop undetected before the American people. \n\nId also add, until this XXXX, Ive never requested access to Music or TV and have never used either, although the XXXX APPS are available but, Ive never downloaded the TV APP. \n\nOne critical point who buys a service which is never used, or the required app to use the service, is never downloaded in a closed loop environment is impossible to use without XXXX authorization.\n\nStorage has been previously sold to XXXX and has now returned to XXXX but, many times at the point of opening, the photo files it holds  immediately degrade until unusable. \n\nEach of these entities (XXXX and XXXX) having platform interest, storage i.e., one picture generations additional opportunities, to edit one generating two files of storage, each picture edit standalone into multiple files driving up storage expenses consumers may or may not be aware, extra document review generates a new file, etc. , thus device, and related entities.\n\nLet alone temporary files, which are maintained without many times consumer awareness so, files only useful to the big 3 or 4 generate endless storage opportunities and up-charges and billings, etc.\n\nXXXX recently began demanding privacy issues of responsibilities and assuming ownership over the phone producer. \n\nSo is the seller the owner, or the manufacturer if XXXX or XXXX, etc., the producer or does every owner thereafter become the privacy owner, selling, and enabled to start new relationships, etc., so where do consumers reclaim privacy data exposed?\n\nAnd since XXXX isnt a traditional entrant, why do they have an interest in your data other than to sell financial materials to others but, clearly these actions set the ground-work of determinations of unwinding products and services unconsidered.\n\nBohemian corporations like XXXX, seem to express and engage in cooperative relationships with peer organizations to pierce traditional oversight measures which weve observed in the U.K. i.e., XXXX accused of destroying sellers by withholding money in so-called, reserve accounts structures. XXXX payment policy states the reasons for putting money on hold include a sudden increase in sales, a shop having only made its first sale recently, the shop committing a policy violation or other risk factors.\n\nSome sellers told the XXXX that two reserve periods were imposed on them consecutively, said XXXX XXXX, XXXX Business reporter, headline XXXX accused of destroying sellers by withholding money, published XXXX XXXX XXXX.\n\nBut, theres a much larger issue which never consolidated by oversight there are direct sub-sets all tied to financial transactions and services which combined directly disadvantage not only small businesses but, consumers who are easily overwhelmed not only by the direct correlation but, all the associated and unseen correlations, continues XXXX.\n\nXXXX is an online marketplace that allows independent sellers to set up their own shop. It specialises in bespoke items, handicrafts or things not usually available in High Street shops.\n\nXXXX XXXX. is a US-based company which trades its shares on the XXXX XXXX XXXX in New York, where it listed its stock in XXXX. XXXX shares currently trading at XXXX each - a far cry from an all-time high of XXXX during the Covid pandemic in XXXX.\n\nIts biggest shareholders are major financial institutions such as XXXX XXXX XXXX and XXXX XXXX.\n\nThe company is led by chief executive XXXX XXXX who has worked at an eclectic mix of businesses such as online auction site XXXX, the internet chat firm XXXX and XXXX XXXXXXXX. He has been chief executive since XXXX.\n\nIt was originally founded in XXXX by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX who started the business from XXXX XXXX Brooklyn apartment. None of them remain with the firm.\n\nThe CFPB must advance quickly plans to begin the tactical widening issues  of rule-making that would subject XXXX XXXX XXXX and others to supervision as it examines how companies monetize data that and continues an unfair assault on consumers.\n\nAnd even with items highlighted the list unseen considerations continues consumers and small business are assaults daily including, independent Internet companies affect anyone as consumers are tracked online through XXXX and other browsers, given the ability without oversight to freely, come and go-to browser comes through search engine the playground of the Big 3 or 4 i.e., XXXX, etc. with each browser uniquely given comprehensive privacy protection and controls but, in protection of whos interest?\n\nTens of millions of consumer are or arent  protected not at their behest everyday online activities, searching browsers, email, on the unlimited platforms of XXXX XXXX XXXX, and XXXX\n\nBut, whats clear, American CORPs have increasingly jumped the moon and time is ticking, and not on the side of U.S. consumers. \n\nHow XXXX has accessed and kept up-to-date posting against numerous MasterCard/VISA account numbers, sometime able to access closed accounts which have been closed for fraud activities.\n\nReporting any fraud generally receives no follow-up most consumers would state but, an account closure, new card and account generated. \n\nAny unauthorized transactions until recently, when I found multiple transactions from a Tech Giant, which were reversed over months and no other action taken.\n\nIt also points out the varieties methods for MasterCard/VISA accounts are recorded and records-kept by banks, some disappear such as XXXX XXXX systemically goes through and removes accounts so, how does a client further identify all activity and does the FED have any accounting standard?\n\nAnd from a safety and liability stand-point how many accounts are reconciled by a certified public auditing and accounting corporation perspective?\n\nAnd if XXXX is off the reservation, how does such measurement impact bank stability overall today and into the future?\n\nXXXX will pay XXXX to resolve harassment charges after top executives sent live spiders and cockroaches to two bloggers who wrote critical articles about the company.\n\nSenior staff at the US tech firm launched a petrifying harassment campaign against XXXX  and XXXX XXXX, a couple from Massachusetts who run the e-commerce Bytes blog.\n\nToday its impossible to say what wont be done in the steeple decline of civility, during COVID-19 and the housing crisis who didnt financial services CEO, swearing at American consumers and stockholders?\n\nExecutives were upset with some of the coverage on the blog and said the writers had to be burned down.\n\nBesides a box of live spiders and cockroaches, the couple was sent a funeral wreath, a bloody pig mask, and a book about surviving the loss of a spouse.\n\nIna Steiner received bizarre and sometimes threatening messages on Twitter purportedly from groups such as an irritable bowel syndrome patient support group and the Communist Party of the United States.\n\nThe pairs home address was also posted online alongside invitations for strangers to attend sexual encounters, yard sales and parties, while the employees made plans to break into their garage and place a GPS tracker in their car.\n\nThe XXXX said the harassment had a damaging and permanent impact, on them emotionally, psychologically, physically, reputationally, and financially.\n\nOver three years after the employees were prosecuted, the US Justice Department has now charged XXXX with stalking, witness tampering and obstruction of justice, said XXXX XXXX of the Telegraph under the headline, XXXX ordered to pay couple XXXX after senior executives sent bloody pig mask and live cockroaches, published XXXX XXXX XXXX\n\nXXXX XXXX  acting as Massachusetts US Attorney, said: XXXX engaged in absolutely horrific, criminal conduct.The companys employees and contractors involved in this campaign put the victims through pure hell, in a petrifying campaign aimed at silencing their reporting and protecting the XXXX brand.\n\nThe need for stronger, sustained and long-term oversight is clear and each case filed takes the marketplace further and further down the rabbits hole but, neither commitment nor oversight shows true interest in resolving such acts, if it were so, the record would show success but, it doesnt because neither institution public nor private is focused on the American peoples interest to the financial services great demise.      \n\nThus when I advise it appears XXXX has access to credit card numbers and account unrestricted and even further credit reporting agencies, all form a web-connection with concern, add to the team MasterCard, Visa who are exclusive unrestricted parties and American consumer are basically unprotected victims awaiting further victimization in a pool of sharks.\n\nIt may not seem the same but, it is when XXXX bills you repeatedly for the same services and holds hostage any photos or documents refusing to save or hold documents and refining the storage held and doing this while having been paid for the service, shows no controls in place i.e., Your iCloud storage is fullnotifications, actions, dated 1XXXX XXXX, etc. XXXX  shows no controls or correlation, continuing to forward notifications for many devices from one record which appears as its organized to overwhelm clients, taking lazy revenue dollars against the consumer and doubling or tripling revenue, i.e., Your iCloud storage is fullBecause youve exceeded your storage plan, dated XXXX, etc.  \n\nIn addition, XXXX has established direct connection links so, even passing and reviewing monthly transactions generations Thank you for viewing purchase details associated, and sets new parameters which can convey intended or not an implied threat and why does XXXX need a live-connection if this is the same service provided by US banks?\n\nNotifications dated XXXX XXXX\n\nIf nothing else is true, each additional touch conveys exceptional status between U.S. banks, which are regulated with XXXX right, wrong, or indifferent?\n\nIt creates a status intended or not, which is advantageous to XXXX alone and further, oversight and regulatory understanding and complexity safety. \n\nThe most important rule making for the CFPB in XXXX will be the Tech Giants\n\nIn the absence of Congressional actions only the FED-regulators and the U.S. Courts are ability to exercise some controls and corporations and financial services are already heading back to the U.S. Courts to destabilize the marketplace, this only an example of the liability and regulatory environmental landscape, collapsing onto American consumers.\n\nWorse than the conscious destabilizing action are unconscious impacts when corporations extend pressures as the parents seen in the last Congressional hearing with XXXX XXXX, it can become immobilizing to the human psyche. XXXX  walks out feeling put upon but, hes wrong just as financial services, internet service providers and the Federal government are the civilization fails whenever every day for We the People is the story of David and Goliath, Congress plays a continued game as it allows this issues unaddressed to go to the U.S. Courts or become Executive Orders.\n\nIncreasingly, its clear, its not a matter of whos watching the hens house, theyre busy watching from XXXX, CO no longer concerned American consumer will find, discover or take rath but, its foolish to believe your actions are invisible everyones replaceable and theres always one born every minute, even smarter oh and its a presidential election year, as the fryers hearing up on bad behavior.\n\nFinally, as XXXX XXXX, the FED and regulatory bring a new merger for consideration, almost like the XXXX XXXX), which the FED brought forward and ultimately become XXXX XXXX, which continues to bleed consumer confidence and legal actions its clear Justice needs a much larger and better partner than the FED who seems to have lost its oversight expertise.     \n\nIt knows until the law addresses the People intent, its basically waiting for appeal, a second bite at the same issues upon appeal and its wrong, We the People depend on righteousness to prevail, known.\n\nThank you in advance for your guidance and assistance.","date_sent_to_company":"2024-03-19T22:56:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"06066","tags":null,"has_narrative":true,"complaint_id":"8576967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-19T21:49:41.000Z","state":"CT","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["As the Consumer <em>Compliance</em> Outlook (CCO) furthers these goals by providing financial institutions, <em>compliance</em> professionals, and the public with information about <em>compliance</em> with the laws and regulations that protect consumers and support investments in communities."]},"sort":[3.4448082,"8576967"]},{"_index":"complaint-public-v1","_id":"7374211","_score":3.0632517,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Vroom Inc parent company of their subsidiary company referred to as United Auto Credit Corporation ( UACC ) that was integrated with and now considered a lending company operation for Vroom Inc. Vroom Inc is owner of United Auto Credit Corporation per their XXXX annual report pursuant to section 13 or 15d of the Securities and Exchange Act of 1934 for the fiscal year that ended XX/XX/XXXX. Their Commission file number : XXXX is. Vroom Inc subsidiary company referenced in the XXXX annual reporting as ( UACC ) United Auto Credit Corporation have not been in compliance with the agreement they signed with the United States Security And Exchange Commission. Pursuant to section 13 or 15 ( b ) the Securities Exchange Act of 1934.This also includes their disregard to Rule 405 of the Securities Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262 ( b ). Per your agreement as amended ( the \" Sarbanes Oxley-Act '' ), the XXXX XXXX Reform and Consumer Protection Act of 2020 ( the Dodd-Frank Act ), the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX and standards. All which imposes additional reporting and other obligations in reference to Vroom Inc and subsidiaries as a public company. Because your company agreed to comply with government regulations and your company Vroom Inc ( UACC ) United Auto Credit Corporation are subject to extensive U.S. federal, state and local laws and regulation. This also includes protection laws, including prohibitions against unfair or deceptive acts or practices. The federal governmental agencies that regulate your company/ business and has the authority to enforce such statutes and laws against you including agencies such as the U.S. Federal Trade Commission , the U.S. Department of Transportation , the U.S. Occupational Health and Safety Administration , the U.S. Department of Justice and the U.S. Federal Communications Commission . Additionally, Vroom Inc and subsidiary ( UACC ) are subject to such statutes by individual state dealers licensing authorities, state consumer protection agencies and state financial regulatory agencies. In addition, ( UACC ) are subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ) and state consumer protection agencies, including state attorney general offices and state financial regulatory agencies. Failure to comply with federal, state and local laws and regulations relating to privacy, data protection and consumer protection, or the expansion of current or the enactment of new laws or regulations relating to privacy, data protection and consumer protection. Failure to protect such information could harm your reputation and could adversely affect your company including subsidiaries that fall under your business, financial condition and results of operations. Vroom Inc parent company of subsidiary United Auto Credit Corporation are also supposed to remain in compliance and conformity of GAAP. Vroom Inc and subsidiaries have not been in compliance and continue to fail to acknowledge, wrongdoing not only in reference to the Securities and Exchange Act of 1934, but also failed to comply FINRAS rules and guidance as a business. Vroom Inc and subsidiary ( UACC ) has continued to voluntarily violate my privacy and security by not safeguarding my personal information. Instead they choose to share that information with third party vendors such as repossession companies.As a whole this company has not lived up to their promises that they agreed to. This organization has violated my privacy rights as a consumer, and misled me by failing to maintain my security for sensitive consumer information, or caused substantial consumer injury. United Auto Credit Corporation subsidiary of Vroom Inc has violated Section 5 of the FTC Act, which bars unfair and deceptive acts and practices in or affecting commerce. As a company Vroom Inc subsidiary ( UACC ) has violated numerous rules, regulations of the agreement of the Securities Exchange Act of 1934, Rule 405 of the Securities Act, Section 13 or Section 15 ( d ) of the Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262, the Dodd-Frank Act ), the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX  and XXXX. I am aware that XXXX takes disciplinary actions against firms and individuals for violations of XXXX rules ; federal securities laws, rules, and regulations ; and the rules of the XXXX XXXX XXXX XXXX. In addition to Sanctions including restitution, fines, suspensions, and in cases of serious misconduct, bars from the brokerage industry. Vroom Inc and subsidiaries provided false and misleading information in reference to the my contract and didnt advise me of my right to rescind and revoke their right to have security in my contract, insurance bonds, repossession, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner, myself XXXX XXXX. You Vroom Inc and subsidiary of United Auto Credit Corporation are allowed to keep your 20 % and I make my 80 %. I did not authorize nor agree to your company giving my personal information to other companies such as those who repossessed my vehicle. Privacy Act of 1974 ( 5 U.S. Code 552a ). The term record means any item, collection or grouping of information about an individual that is maintained by agency, including, but not limited to financial transactions and any information containing my name or identifiable number. Vroom Inc and subsidiaries did not provide a conditional disclosure.No agency or company shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. \n\nAgain they need prior written instruction of the individual to whom it relates. \n\nSection 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; Vroom Inc and subsidiaries did not receive any written consent prior to the repossession to release my private information to any other third party companies XXXX and XXXX XXXX in reference to repossession. Vroom Inc and Subsidiaries United Auto Credit Corporation have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. According to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. \n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. \n\n\n\n\n\nEvery company should provide a privacy notice before they furnish any information to my consumer report. Vroom Inc and subsidiaries failed to provide me with a privacy notice, nor did they advise they were furnishing my information which is a violation. According to 12 CFR 1016.4 Initial privacy notice to consumers required. Vroom Inc and subsidiaries ( UACC ) per 1016.4 Initial privacy notice to consumers required to Provide an Initial notice. It must provide a clear and conspicuous notice that accurately reflects Vroom Inc ( UACC ) privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. XXXX U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Your company Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also, 15 U.S.Code 1692e ( 4 ) illegal repossessions states it is a fact, affiant is aware, this threat of foreclosure, that I, the affiant has proof of in documented Vroom Inc subsidiary ( UACC ) is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. Notice, it is a fact, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; XXXX XXXX XXXX. For each violation of TILA is double the finance charge when it comes to consumer credit transactions. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. Vroom Inc parent company of subsidiary United auto credit Corporation did not follow or comply with my request for documentary evidence pursuant to 15 U.S.Code 44 including all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. Because United Auto Credit Corporation ( the creditor ) did not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfits all rights to collect on the amount the person has identified in dispute. If I am provided with the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. Notice, it is a fact, affiant is aware, until the creditor has resolved a billing error dispute United auto Credit Corporation can not report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611 ( 1 ) for failing to disclose information Vroom Inc subsidiary United Auto Credit Corporation is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640 ( a ) ( 2 ) ( A ) ( i ). Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done United auto Credit Corporation can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If United Auto Credit Corporation reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. According to 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583. Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by United Auto Credit Corporation is violating 15 U.S.Code 1691 ( a ) ( 3 ). Notice it is a fact, affiant is aware, pursuant to 15 U.S. Code 6809 ( 9 ), I the affiant, am a consumer in connection with this financial institution Vroom Inc subsidiary ( UACC ). Notice it is a fact, affiant is aware, whoever violates 15 U.S. Code 6821 such as the a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to XXXX for a felony by an organization or imprisoned for 5 years or both. 15 U.S. Code 6827 ( 4 ) ( B ) Definition of a financial institution includes any depository institution, any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, any consumer reporting agency, any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Notice, it is a fact, affiant is aware, the definition of payment pursuant to 15 U.S. Code XXXX refers to oil for commercial use and minerals in reference to gold and silver as lawful money detailed in the U.S. Constitution. I, the affiant, is unaware of any other definition of payment under commerce and trade or the consumer credit protection act. Out of these options defined under federal law, Vroom Inc and subsidiaries ( UACC ) did not specify which of these options the company preferred as payment. Nowhere in connection with commerce and trade is legal tender constitutes satisfaction of payment. Because there is no money in circulation, I have provide 1099c IRS documentation stating debt was cancelled. Notice, it is a fact, affiant is aware, in accordance with 15 U.S.Code 77q affiant has reason to believe and do so believe Vroom Inc and subsidiaries ( UACC ) has committed securities fraud as it is unlawful to offer or sell of any securities by use of the mails, directly or indirectly to employ any scheme, or artifice to defraud, obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statements made, in light of the circumstances under which they were made, or engage in any transaction, practice, or course of business which operates or would operate as a fraud or deceit upon the purchaser. Notice it is a fact, affiant is aware, the consumer has the right to request the money audit trial 12 U.S.Code 5562 ( c ) ( 10 ) and would this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the GAAP audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) XXXX XXXX XXXX XXXX is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. Notice, it is a fact, affiant is aware, the United States is a federal corporation pursuant to 28 U.S.Code 3002 ( 15 ) ( A ) Notice, it is a fact, affiant is aware, in the head of the agency or its private attorney pursuant to 28 U.S.Code 3002 ( 1 ) ( B ) needs a contract with a to collection service to recover or locate indebtedness owed by the United States Govt in accordance with 18 U.S.Code 8. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If Vroom Inc subsidiary United Auto Credit Corporation has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain. Notice, it is a fact, affiant is aware, she/her is a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). Notice, it is a fact, in connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against United Auto Credit Corporation in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I am asking that you properly remit my 1099c so that I can properly file my taxes return. Please send Copy B of 1099c and documentation stating that it was transmitted to the treasury. I just realized I have not truly paid you. Please return all of my ( Floating rate notes ) In addition, I am requesting that all my tenders are returned back to me. Please also wire my securities through my XXXX account. Please also return my XXXX XXXX XXXX XXXX white XXXX XXXX to its original location and address. And please send my title as well. If the vehicle is sold for any reason then I would like a check issue to me for the full amount of vehicle including the down payment and finance charge for the 72 months listed in the contract or another vehicle of my choosing for the inconvenience.I am now revoking your right to have security in this, insurance bonds, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner. You are allowed to keep your 20 % and I make my 80 %. \n\n* Violations 15 U.S.Code 1692e ( 10 ) 1 15 U.S.Code 1692e ( 12 ) 15 U.S.Code 1692f ( 1 ) 15 U.S.Code 1692f ( 6 ) 15 U.S.Code 1692g ( b ) 15 U.S.Code 1692g ( c ) 15 U.S.Code 1692h 15 U.S.Code 1692j 1 15 U.S.Code 1692k ( a ) ( 1 ) 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681i ( 6 ) ( A ) 15 U.S. Code 1681q TITLE 15 CHP 41 1601 15 U.S.Code 1602 ( b ) 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 U.S.Code 1602 ( v ) title 15 U.S.Code 1605 15 U.S.Code 1605 ( a ) 15U.S.Code1605 ( a ) ( b ) 15 U.S. Code 1611 15 U.S. Code 1635 15 U.S.Code 1635 ( f ) 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 15 U.S.Code 1640 ( a ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 1662 ( b ) 15 U.S. Code 1691 15 U.S. Code 78m ( q ) ( 1 ) 12 U.S.Code 5562 ( c ) ( 10 ) 12U.S.Code1831n ( 2 ) ( A ) 28 U.S.Code 1746 28 USC 1746 28 U.S. Code 3002 ( 1 ) ( B ) 28 USC 3002 ( 1 ) ( B ) 28 U.S. Code 3002 ( 15 ) ( A ) 31 U.S. Code 3711 ( e ) ( 9 ) 31 U.S. Code 3711 ( e ) ( 9 ) 16 C.F.R. 433.1 ( b ) 16 CFR 433.2 ( a )","date_sent_to_company":"2023-08-23T17:38:19.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"7374211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2023-08-10T01:22:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Because there is no money in circulation, I have provide 1099c IRS <em>documentation</em> stating debt was cancelled."]},"sort":[3.0632517,"7374211"]},{"_index":"complaint-public-v1","_id":"7383815","_score":2.5414822,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"United Auto Credit Corp subsidiary of parent company XXXX XXXX ( parent company ) of who is also referred to as United Auto Credit Corporation ( UACC ) that was integrated with and now considered a lending company operation for XXXX XXXX XXXX XXXX is owner of United Auto Credit Corporation per their XXXX annual report pursuant to section 13 or 15d of the Securities and Exchange Act of 1934 for the fiscal year that ended XX/XX/XXXX. Their Commission file number : XXXX is. XXXX XXXX subsidiary company referenced in the XXXX annual reporting as ( UACC ) United Auto Credit Corporation have not been in compliance with the agreement they signed with the United States Security And Exchange Commission. Pursuant to section 13 or 15 ( b ) the Securities Exchange Act of 1934.This also includes their disregard to Rule 405 of the Securities Act, and implemented by the Sarbanes-Oxley Act of XXXX ( 15 U.S.C. 7262 ( b ). Per your agreement as amended ( the \" Sarbanes Oxley-Act '' ), the XXXX XXXX Reform and Consumer Protection Act of XXXX ( the Dodd-Frank Act ), the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX rules and standards. All which imposes additional reporting and other obligations in reference to XXXX XXXX and subsidiaries as a public company. Because your company agreed to comply with government regulations and your company XXXX XXXX ( UACC ) United Auto Credit Corporation are subject to extensive U.S. federal, state and local laws and regulation. This also includes protection laws, including prohibitions against unfair or deceptive acts or practices. The federal governmental agencies that regulate your company/ business and has the authority to enforce such statutes and laws against you including agencies such as the U.S. Federal Trade Commission , the U.S. Department of Transportation XXXX the U.S. Occupational Health and Safety Administration , the U.S. Department of Justice and the U.S. Federal Communications Commission XXXX Additionally, XXXX XXXX and subsidiary ( UACC ) are subject to such statutes by individual state dealers licensing authorities, state consumer protection agencies and state financial regulatory agencies. In addition, ( UACC ) are subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ) and state consumer protection agencies, including state attorney general offices and state financial regulatory agencies. Failure to comply with federal, state and local laws and regulations relating to privacy, data protection and consumer protection, or the expansion of current or the enactment of new laws or regulations relating to privacy, data protection and consumer protection. Failure to protect such information could harm your reputation and could adversely affect your company including subsidiaries that fall under your business, financial condition and results of operations. XXXX XXXX parent company of subsidiary United Auto Credit Corporation are also supposed to remain in compliance and conformity of GAAP. XXXX XXXX and subsidiaries have not been in compliance and continue to fail to acknowledge, wrongdoing not only in reference to the Securities and Exchange Act of 1934, but also failed to comply FINRAS rules and guidance as a business. XXXX XXXX and subsidiary ( UACC ) has continued to voluntarily violate my privacy and security by not safeguarding my personal information. Instead they choose to share that information with third party vendors such as repossession companies. As a whole this company has not lived up to their promises that they agreed to. This organization has violated my privacy rights as a consumer, and misled me by failing to maintain my security for sensitive consumer information, or caused substantial consumer injury. United Auto Credit Corporation subsidiary of XXXX XXXX has violated Section 5 of the FTC Act, which bars unfair and deceptive acts and practices in or affecting commerce. As a company Vroom Inc subsidiary ( UACC ) has violated numerous rules, regulations of the agreement of the Securities Exchange Act of 1934, Rule 405 of the Securities Act, Section 13 or Section 15 ( d ) of the Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262, the Dodd-Frank Act ), the Public Company XXXX XXXX XXXX XXXX XXXX ) and XXXX rules and standards. I am aware that XXXX takes disciplinary actions against firms and individuals for violations of FINRA rules ; federal securities laws, rules, and regulations ; and the rules of the XXXX XXXX XXXX XXXX. In addition to Sanctions including restitution, fines, suspensions, and in cases of serious misconduct, bars from the brokerage industry. XXXX XXXX and subsidiaries provided false and misleading information in reference to the my contract and didnt advise me of my right to rescind and revoke their right to have security in my contract, insurance bonds, repossession, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner, myself XXXX XXXX. You XXXX XXXX and subsidiary of United Auto Credit Corporation are allowed to keep your 20 % and I make my 80 %. I did not authorize nor agree to your company giving my personal information to other companies such as those who repossessed my vehicle. Privacy Act of 1974 ( 5 U.S. Code 552a ). The term record means any item, collection or grouping of information about an individual that is maintained by agency, including, but not limited to financial transactions and any information containing my name or identifiable number. XXXX XXXX and subsidiaries did not provide a conditional disclosure. No agency or company shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; XXXX XXXX and subsidiaries did not receive any written consent prior to the repossession to release my private information to any other third party companies Skip.co and relentless auto in reference to repossession. XXXX XXXX and XXXX United Auto Credit Corporation have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. According to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Every company should provide a privacy notice before they furnish any information to my consumer report. XXXX XXXX and subsidiaries failed to provide me with a privacy notice, nor did they advise they were furnishing my information which is a violation. According to 12 CFR 1016.4 Initial privacy notice to consumers required. XXXX XXXX and subsidiaries ( UACC ) per 1016.4 Initial privacy notice to consumers required to Provide an Initial notice. It must provide a clear and conspicuous notice that accurately reflects XXXX XXXX ( UACC ) privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Your company Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also, 15 U.S.Code 1692e ( 4 ) illegal repossessions states it is a fact, affiant is aware, this threat of foreclosure, that I, the affiant has proof of in documented Vroom Inc subsidiary ( UACC ) is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. Notice, it is a fact, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc. For each violation of TILA is double the finance charge when it comes to consumer credit transactions. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. XXXX XXXX parent company of subsidiary United auto credit Corporation did not follow or comply with my request for documentary evidence pursuant to 15 U.S.Code 44 including all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. Because United Auto Credit Corporation ( the creditor ) did not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If I am provided with the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. Notice, it is a fact, affiant is aware, until the creditor has resolved a billing error dispute United auto Credit Corporation can not report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611 ( 1 ) for failing to disclose information XXXX XXXX subsidiary United Auto Credit Corporation is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640 ( a ) ( 2 ) ( A ) ( i ). Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done United auto Credit Corporation can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If United Auto Credit Corporation reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. According to 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583. Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by United Auto Credit Corporation is violating 15 U.S.Code 1691 ( a ) ( 3 ). Notice it is a fact, affiant is aware, pursuant to 15 U.S. Code 6809 ( 9 ), I the affiant, am a consumer in connection with this XXXX XXXX XXXX XXXX subsidiary ( UACC ). Notice it is a fact, affiant is aware, whoever violates 15 U.S. Code 6821 such as the a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 15 U.S. Code 6827 ( 4 ) ( B ) Definition of a financial institution includes any depository institution, any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, any consumer reporting agency, any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Notice, it is a fact, affiant is aware, the definition of payment pursuant to 15 U.S. Code 78MQ1 refers to oil for commercial use and minerals in reference to gold and silver as lawful money detailed in the U.S. Constitution. I, the affiant, is unaware of any other definition of payment under commerce and trade or the consumer credit protection act. Out of these options defined under federal law, XXXX XXXX and subsidiaries ( UACC ) United Auto Credit Corporation did not specify which of these options the company preferred as payment. Nowhere in connection with commerce and trade is legal tender constitutes satisfaction of payment. Because there is no money in circulation, I have provide 1099c IRS documentation stating debt was cancelled. Notice, it is a fact, affiant is aware, in accordance with 15 U.S.Code 77q affiant has reason to believe and do so believe XXXX XXXX and subsidiaries ( UACC ) United Auto Credit Corporation has committed securities fraud as it is unlawful to offer or sell of any securities by use of the mails, directly or indirectly to employ any scheme, or artifice to defraud, obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statements made, in light of the circumstances under which they were made, or engage in any transaction, practice, or course of business which operates or would operate as a fraud or deceit upon the purchaser. Notice it is a fact, affiant is aware, the consumer has the right to request the money audit trial 12 U.S.Code 5562 ( c ) ( 10 ) and would this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the GAAP audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) United Auto Credit Corporation is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. Notice, it is a fact, affiant is aware, the United States is a federal corporation pursuant to 28 U.S.Code 3002 ( 15 ) ( A ) Notice, it is a fact, affiant is aware, in the head of the agency or its private attorney pursuant to 28 U.S.Code 3002 ( 1 ) ( B ) needs a contract with a to collection service to recover or locate indebtedness owed by the United States Govt in accordance with 18 U.S.Code 8. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If XXXX XXXX subsidiary United Auto Credit Corporation has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain. Notice, it is a fact, affiant is aware, she/her is a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). Notice, it is a fact, in connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against United Auto Credit Corporation in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I am asking that you properly remit my 1099c so that I can properly file my taxes return. Please send Copy B of 1099c and documentation stating that it was transmitted to the treasury. I just realized I have not truly paid you. Please return all of my ( Floating rate notes ) In addition, I am requesting that all my tenders are returned back to me. Please also wire my securities through my XXXX account. Please also return my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to its original location and address. And please send my title as well. If the vehicle is sold for any reason then I would like a check issue to me for the full amount of vehicle including the down payment and finance charge for the 72 months listed in the contract or another vehicle of my choosing for the inconvenience. I am now revoking your right to have security in this, insurance bonds, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner. You are allowed to keep your 20 % and I make my 80 %. Please also be mindful of Federal Reserve act section 29 in regards to a Civil Money Penalty. \" a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. '' [ 12 USC 504 ( a ) ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who commits any violation described in subsection ( a ) ; recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or breaches any fiduciary duty ; which violation, practice, or breach -- is part of a pattern of misconduct ; causes or is likely to cause more than a minimal loss to such member bank ; or results in pecuniary gain or other benefit to such party, shall forfeit and pay a civil penalty of not more than {$25000.00} for each day during which such violation, practice, or breach continues. \n\n[ 12 USC 504 ( b ).\n\n( c ) Third Tier. Notwithstanding subsections ( a ) and ( b ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who -- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice in conducting the affairs of such credit union ; or breaches any fiduciary duty ; and knowingly or recklessly causes a substantial loss to such credit union or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach, shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subsection ( d ) for each day during which such violation, practice, or breach continues. \n\n[ XXXX XXXX XXXX ( c ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( d ) Maximum Amounts Of Penalties For Any Violation Described In Subsection ( c ). The maximum daily amount of any civil penalty which XXXX be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and in the case of a member bank, an amount not to exceed the lesser of -- {>= $1,000,000} ; or XXXX percent of the total assets of such member bank. \n[ 12 USC 504 ( d ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by acts of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( XXXX ) Assessment, Etc. Any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected by in the case of a national bank, by the Comptroller of the Currency ; and in the case of a State member bank, by the Board, in the manner provided in subparagraphs ( E ), ( F ), ( G ), and ( I ) of section 8 ( i ) ( 2 ) of the FederaXXXX XXXX XXXX XXXX for penalties imposed ( under such section ) and any such assessment shall be subject to the provisions of such section. \n\n[ XXXX XXXX XXXX ( XXXX ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( f ) Hearing. The member bank or other person against whom any penalty is assessed under this section shall be afforded an agency hearing if such member bank or person submits a request for such hearing within 20 days after the issuance of the notice of assessment. Section XXXX ( h ) of the Federal Deposit Insurance Act shall apply to any proceeding under this section. \n\n[ XXXX XXXX XXXX ( f ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( g ) Disbursement. All penalties collected under authority of this paragraph shall be deposited into the Treasury. \n\n[ XXXX XXXX XXXX ( g ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( h ) Violate Defined. For purposes of this section, the term \" violate '' includes any action ( alone or with another or others ) for or toward causing, bringing about, participating in, counseling, or aiding or abetting a violation. \n\n[ XXXX XXXX XXXX ( h ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( i ) Regulations. The Comptroller of the Currency and the XXXX shall prescribe regulations establishing such procedures as XXXX be necessary to carry out this section. \n\n[ XXXX XXXX XXXX ( i ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( m ) * Notice Under This Section After Separation From Service. The resignation, termination of employment or participation, or separation of an institution-affiliated party ( within the meaning of section XXXX ( u ) of the Federal Deposit Insurance Act ) with respect to a member bank ( including a separation caused by the closing of such a bank ) shall not affect the jurisdiction and authority of the appropriate Federal banking agency to issue any notice and proceed under this section against any such party, if such notice is served before the end of the 6-year period beginning on the date such party ceased to be such a party with respect to such bank ( whether such date occurs before, on, or after the date of the enactment of this subsection ). \n\n[ 12 USC 504 ( m ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] * Violations 15 U.S.Code 1692e ( 10 ) 1 15 U.S.Code 1692e ( 12 ) 15 U.S.Code 1692f ( 1 ) 15 U.S.Code 1692f ( 6 ) 15 U.S.Code 1692g ( b ) 15 U.S.Code 1692g ( c ) 15 U.S.Code 1692h 15 U.S.Code 1692j 1 15 U.S.Code 1692k ( a ) ( 1 ) 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681i ( 6 ) ( A ) 15 U.S. Code 1681q TITLE 15 CHP 41 1601 15 U.S.Code 1602 ( b ) 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 U.S.Code 1602 ( v ) title 15 U.S.Code 1605 15 U.S.Code 1605 ( a ) 15U.S.Code1605 ( a ) ( b ) 15 U.S. Code 1611 15 U.S. Code 1635 15 U.S.Code 1635 ( f ) 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 15 U.S.Code 1640 ( a ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 1662 ( b ) 15 U.S. Code 1691 15 U.S. Code 78m ( q ) ( 1 ) 12 U.S.Code 5562 ( c ) ( 10 ) 12U.S.Code1831n ( 2 ) ( A ) 28 U.S.Code 1746 28 USC 1746 28 U.S. Code 3002 ( 1 ) ( B ) 28 USC 3002 ( 1 ) ( B ) 28 U.S. Code 3002 ( 15 ) ( A ) 31 U.S. Code 3711 ( e ) ( 9 ) 31 U.S. Code 3711 ( e ) ( 9 ) 16 C.F.R. 433.1 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