{"took":130,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":652,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8200284","_score":22.46681,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX  by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.","date_sent_to_company":"2024-01-23T02:17:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"8200284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-23T02:17:44.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>State</em> <em>governmental</em> <em>entity</em>. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX  by a <em>State</em> <em>governmental</em> <em>entity</em> as including documentation created at either the <em>State</em> or <em>local</em> level. The Bureau noted that <em>local</em> law enforcement, as part of a <em>local</em> <em>government</em>, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report."]},"sort":[22.46681,"8200284"]},{"_index":"complaint-public-v1","_id":"8200205","_score":22.46681,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at Experian. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. XXXX. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of Trafficking ) Do hereby attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission XXXX. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission XXXX as though the applicable terms and provisions of such XXXX are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a victim of trafficking by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying victims of trafficking, including, but not limited to, items in a police report.","date_sent_to_company":"2024-01-23T02:17:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"8200205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-23T01:46:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>State</em> <em>governmental</em> <em>entity</em>. The Bureau proposed treating documentation of a determination that a consumer is a victim of trafficking by a <em>State</em> <em>governmental</em> <em>entity</em> as including documentation created at either the <em>State</em> or <em>local</em> level. The Bureau noted that <em>local</em> law enforcement, as part of a <em>local</em> <em>government</em>, may have documentation of a determination identifying victims of trafficking, including, but not limited to, items in a police report."]},"sort":[22.46681,"8200205"]},{"_index":"complaint-public-v1","_id":"8200285","_score":22.40409,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.","date_sent_to_company":"2024-01-23T02:17:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"8200285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-23T02:17:44.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>State</em> <em>governmental</em> <em>entity</em>. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX by a <em>State</em> <em>governmental</em> <em>entity</em> as including documentation created at either the <em>State</em> or <em>local</em> level. The Bureau noted that <em>local</em> law enforcement, as part of a <em>local</em> <em>government</em>, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report."]},"sort":[22.40409,"8200285"]},{"_index":"complaint-public-v1","_id":"15961501","_score":21.048468,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB SUCKS!! ! XXXX CFPB DID NOTHING BUT CLOSE MY DISPUTE WITH NO TRANSPARENCY OR THOROUGH INTERNAL INVESTIGATIONS. CFPB DID NO INTERNAL INVESTIGATIONS OR CONDUCTED ANY FAIR ACT REPORTING OF CREDIT INFORMATION. NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE. THIS IS THE REPORT THAT WAS CLOSED. \n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product Debt collection Issue Threatened to contact someone or share information improperly We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT NON-COMPLIANCE OF A GOVERNMENT ENTITY!! ! XXXX NON-COMPLIANCE OF A GOVERNMENT ENTITY!! ! XXXX NON-COMPLIANCE OF A GOVERNMENT ENTITY!! ! XXXX Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT The original Creditor XXXX XXXX was sued and forced to pay Consumers for Bad Business Practices such as XXXX is trying to do here. This Entity is trying to collect on a debt that has been paid in Bankruptcy and a Civil Class Action Lawsuit filed on the ENTITY they brought the loan from Really this is how VETERANS WHO FOUGHT FOR THIS COUNTRY IS TREATED WITH THIS DISRESPECT!!!!!!!!! WOW. My name is spelled XXXX XXXX XXXX You have transformed my name into a CORPORATIONAL NAME for your benefit. This is an absolute disgrace to the United States Citizens or shall I say Employees, whom you constantly tax for your XXXX XXXXXXXX extroverted outburst in the public view such as TV and MEDIA outlets. let 's be real the only crook here is you!!! Removal of all charge offs/collections accounts all Hard inquiries anything not related to positive accounts and all late payments, and all negative reporting of closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordantly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! Violation of My Consumer Rights!!! This is Not a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. XXXX File # XXXX IMMEDIATE REMOVEVAL!!!!!!!!! XXXX XXXX ACCOUNT # XXXX IMMEDIATE REMOVAL!!!!!!!!! Attachments XXXX ( XXXX MB ) IdentityTheft ( 1 ) .PDF ( XXXX KB ) View full complaint Sent to company Status Sent to company on XXXXXX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Marked as duplicate Status Marked as a duplicate complaint on XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Privacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Monday through Friday ( except federal holidays ). More than XXXX languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments IdentityTheft ( 1 ) .PDF ( XXXX KB ) View full complaint Closed Status The CFPB determined that we are not able to take further action on this complaint on XXXX  Privacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-16T15:16:59.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15961501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-16T15:16:30.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another <em>state</em> or federal agency, or help you get in touch with your <em>state</em> or <em>local</em> consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT NON-<em>COMPLIANCE</em> OF A <em>GOVERNMENT</em> <em>ENTITY</em>!! ! XXXX NON-<em>COMPLIANCE</em> OF A <em>GOVERNMENT</em> <em>ENTITY</em>!! ! XXXX NON-<em>COMPLIANCE</em> OF A <em>GOVERNMENT</em> <em>ENTITY</em>!! !"]},"sort":[21.048468,"15961501"]},{"_index":"complaint-public-v1","_id":"11731252","_score":16.70748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Title 15-COMMERCE AND TRADE XXXX XXXX-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report XXXX separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXX XXXX Bank XXXX XXXX XXXX XXXX, and XXXX XXXX  ( Bank ), XXXX XXXX XXXXXXXX, and XXXX XXXX ( Bank ) on XXXX XXXX. \n\nConsumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.\n\n15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.\n\nViolations can result in investigations, penalties, and reputational damage.\n\n15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission 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\nRemoval Of All Inquires Listed Below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )","date_sent_to_company":"2025-01-26T01:01:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"11731252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T00:18:57.000Z","state":"VA","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":["XXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency )"]},"sort":[16.70748,"11731252"]},{"_index":"complaint-public-v1","_id":"11724217","_score":16.704845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report 4 separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nConsumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.\n\n15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.\n\nViolations can result in investigations, penalties, and reputational damage.\n\n15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission 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\nRemoval Of All Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )","date_sent_to_company":"2025-01-26T01:01:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"11724217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T01:01:33.000Z","state":"VA","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":["Removal Of All Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized"]},"sort":[16.704845,"11724217"]},{"_index":"complaint-public-v1","_id":"11724218","_score":16.673927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report 4 separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXX XXXX XXXX XXXX on XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nConsumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.\n\n15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.\n\nViolations can result in investigations, penalties, and reputational damage.\n\n15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission 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\nRemoval Of All Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )","date_sent_to_company":"2025-01-26T01:01:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"11724218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T01:01:33.000Z","state":"VA","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":["Removal Of All Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head"]},"sort":[16.673927,"11724218"]},{"_index":"complaint-public-v1","_id":"6745394","_score":15.570623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA.\n\nPlease be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening.\n\nI understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information.\n\nIn addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes.\n\nBecause the companies did not comply I the must follow FCRA 6802 ( C ). As stated below.\n\nSection 6802 ( a ) : \" ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : \" ( b ) Disclosure of reports to third parties. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ).\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n( 6 ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes.\n\n( 7 ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer.\n\n( 8 ) To the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : \" ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( 2 ) of this title [ 1681b ( g ) ( 2 ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''","date_sent_to_company":"2023-03-24T16:26:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"6745394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-03-24T16:26:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["( 4 ) In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment"]},"sort":[15.570623,"6745394"]},{"_index":"complaint-public-v1","_id":"8355421","_score":15.569862,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What is happened is Experian has been excessively usimg my social security number over 30 times per month for the last 5 months with out my consent or without proper documents from SSA. Each time its is iinquired a transaction jas been made and evwry transaction made someone gets paid for thetransaction using my personal private information and I have npt received any benefits from these transactions. \n\nThe Social Security Administration published the revised Form SSA-89 ( XXXX ) ( Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification ) and Form SSA-88 ( Pre-Approval Form for Consent Based Social Security Number Verification ). \n\n\nSubsection 7 ( b ) specifies the notice that Federal, State, and local agencies are required to give when requesting individuals social security numbers. \n\nPursuant to subsection 7 ( b ), an agency that requests that individuals disclose their social security numbers must notify individuals whether the disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. \n\nMany state laws restrict the disclosure of SSNs in various circumstances. There are restrictions on businesses and other private entities disclosing SSNs, including civil and criminal penalties for violations. The law requires private parties to safeguard other people 's SSNs from misuse by third parties and failure to do so can lead to civil penalties. Criminal identity theft can involve the misuse of another person 's SSN. Businesses must also disclose if they have been subject to a security breach of computerized data containing SSNs. \n\nThe law restricts the disclosure of SSNs by government agencies. Restrictions apply to various vital records ( such as marriage licenses and birth and death certificates ), voter registration forms, land records, and motor vehicle records, among others. Generally, these provisions restrict who may access government records containing SSNs or specify permissible uses. For example, municipal tax collectors can identify taxpayers by their SSNs, but can not disclose those SSNs to any other person or state or municipal entity. \n\nBelow, we summarize state laws that prevent or limit the way private parties or the government can use or disclose SSNs. \n\nThe penalty for willful violations is ( 1 ) up to a {$100.00} criminal fine for a first offense ; ( 2 ) up to {$500.00} for a second offense; and ( 3 ) up to {$1000.00}, six months in prison, or both, for subsequent offenses. Willful violators are also subject to a civil penalty of {$500.00} for each violation, up to a maximum of {$500000.00} per event ( CGS 42-470 ). \n\nSafeguarding Personal Information and Privacy Protection Policy The law requires anyone ( other than state agencies or political subdivisions of the state ) possessing specified personal information, including SSNs, about another person to safeguard the data and computer files and documents containing it from misuse by third parties and to destroy, erase, or make unreadable any document, computer file, or data before disposing of it. A financial institution 's adoption of safeguards that comply with the federal Gramm-Leach-Bliley Act constitutes compliance with this law.\n\nExperian never once asked cor my permission or swnr me A written letter with SSA FORM 89. They do not have permission to run my SS number. 300 times tjey know what there doing and know what the laws are. SO Experiam has willinguawd my SS number 450 times so far willingly. Thye ows me {$1000.00} per violation. Thay ia {$45000.00} Experian owes me {$450.00} XXXX dollas up to this piont.","date_sent_to_company":"2024-02-15T14:21:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92109","tags":null,"has_narrative":true,"complaint_id":"8355421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-15T13:06:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["For example, municipal tax collectors can identify taxpayers by their SSNs, but can not disclose those SSNs to any other person or <em>state</em> or municipal <em>entity</em>. \n\nBelow, we summarize <em>state</em> laws that prevent or limit the way private parties or the <em>government</em> can use or disclose SSNs."]},"sort":[15.569862,"8355421"]},{"_index":"complaint-public-v1","_id":"6745522","_score":15.5573,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA.\n\nPlease be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening.\n\nI understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information.\n\nIn addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes.\n\nBecause the companies did not comply I the must follow FCRA 6802 ( C ). As stated below.\n\nSection 6802 ( a ) : \" ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : \" ( b ) Disclosure of reports to third parties. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ).\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n( 6 ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes.\n\n( 7 ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer.\n\n( 8 ) To the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : \" ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( 2 ) of this title [ 1681b ( g ) ( 2 ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''","date_sent_to_company":"2023-03-24T16:26:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"6745522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2023-03-24T14:51:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["( 4 ) In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment"]},"sort":[15.5573,"6745522"]},{"_index":"complaint-public-v1","_id":"6743804","_score":15.526988,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA. \n\nPlease be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening. \n\nI understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information. \n\nIn addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes. \n\nBecause the companies did not comply I the must follow FCRA 6802 ( C ). As stated below. \n\nSection 6802 ( a ) : \" ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : \" ( b ) Disclosure of reports to third parties. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order. \n( XXXX ) In accordance with the written instructions of the consumer to whom it relates. \n( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. \n( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ). \n( XXXX ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. \n( XXXX ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes. \n( XXXX ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer. \n( XXXX ) To the XXXX XXXX Mortgage XXXX, the XXXX XXXX XXXX Mortgage XXXX, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : \" ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( XXXX ) of this title [ 1681b ( g ) ( XXXX ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''","date_sent_to_company":"2023-03-24T16:26:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"6743804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-03-24T16:26:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["( XXXX ) In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or"]},"sort":[15.526988,"6743804"]},{"_index":"complaint-public-v1","_id":"8622048","_score":15.004944,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of Identity theft I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nFollowing FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( XXXX ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/year>. ( 13 ) Effectiveness study. Not later than 18 months after XX/XX/year>, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.","date_sent_to_company":"2024-03-24T17:30:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"8622048","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-24T17:19:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[15.004944,"8622048"]},{"_index":"complaint-public-v1","_id":"8844591","_score":15.004666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of Identity theft I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Following FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. \nNo business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. \nNo provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( XXXX ) Effectiveness study. \nNot later than 18 months after XX/XX/2003, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.","date_sent_to_company":"2024-04-24T17:04:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"8844591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-24T16:54:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[15.004666,"8844591"]},{"_index":"complaint-public-v1","_id":"8622028","_score":15.004666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of Identity theft I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nFollowing FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( XXXX ) Effectiveness study. Not later than 18 months after XX/XX/2003, the XXXX XXXX of the United States shall submit a report to Congress assessing the effectiveness of this provision.","date_sent_to_company":"2024-03-24T17:31:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"8622028","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-24T17:31:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[15.004666,"8622028"]},{"_index":"complaint-public-v1","_id":"8621140","_score":14.993563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of Identity theft I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nFollowing FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/year>. ( XXXX ) Effectiveness study. Not later than 18 months after XX/XX/year>, the XXXX XXXX of the United States shall submit a report to Congress assessing the effectiveness of this provision.","date_sent_to_company":"2024-03-24T17:31:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"8621140","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-24T17:31:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[14.993563,"8621140"]},{"_index":"complaint-public-v1","_id":"4723967","_score":14.993563,"_source":{"product":"Debt collection","complaint_what_happened":"I noticed a {$9000.00} vehicle in repossession on my credit file that was due to identity theft. I filled out FTC Identity Theft Affidavit and the company still would not comply with my request. The company is Acceptance Corp and I asked them about the vehicle and they couldn't give any details to provide validity that the account is mine. \n\n( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.\n\n( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose.\n\n( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number.\n\n( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge.\n\n( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service.\n\n( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection.\n\n( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection.\n\n( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law.\n\n( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection.\n\n( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law.\n\n( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available.\n\n( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. \n( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. \n( 13 ) Effectiveness study. Not later than 18 months after XX/XX/2003, the XXXXomptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision","date_sent_to_company":"2021-09-16T07:26:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"4723967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2021-09-16T02:56:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[14.993563,"4723967"]},{"_index":"complaint-public-v1","_id":"8844716","_score":14.979454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of Identity theft I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Following FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. \nNo business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. \nNo provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( 13 ) Effectiveness study. \nNot later than 18 months after XX/XX/2003, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.","date_sent_to_company":"2024-04-24T17:04:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"8844716","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-24T17:04:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[14.979454,"8844716"]},{"_index":"complaint-public-v1","_id":"8844715","_score":14.979454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of Identity theft I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Following FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability.\n\nNo business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general.\n\nNo provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( 13 ) Effectiveness study. \nNot later than 18 months after XX/XX/2003, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.","date_sent_to_company":"2024-04-24T17:04:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"8844715","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-24T17:04:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[14.979454,"8844715"]},{"_index":"complaint-public-v1","_id":"3124382","_score":14.095732,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama  XXXX Telephone ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern : I am writing this letter in my bequest to seek assistance in preventing Regions Bank of XXXX, Alabama from foreclosing on the home of my XXXXyear old, XXXX, XXXX XXXX mother Mrs. XXXX XXXX. \nEvery now and then as I would begin to pause to compose the words in this letter to seek help, I would often find myself bewildered and began asking the question what word ascribed and written in a sentence in the various and sundry Federal Laws and the Codes of Alabama, failed to protect and provide my XXXX year old, XXXX, XXXX XXXX mother, with the requisite safeguard to avoid being an Elderly Victim? Why must we sanction such an eviction decision against the wife of a notable icon leader of the 1960s  Civil Rights Movement? Moreover, what word or words can we excerpt from the Settlement Agreement Between the United States of America Department of Justice ( DOJ ) and Regions Bank of XXXX, Alabama to sustain and demonstrate how mortgage lenders must follow established standards and guidelines. Here, we are calling attention to the following excerpt, namely : Mortgage lenders that participate in the FHA insurance program must follow the requirements intended to safeguard its integrity and to protect homeowners, said Principal Deputy Assistant Attorney General XXXX XXXX XXXX, head of the Justice Departments Civil Division. We will continue to hold responsible lenders that knowingly violate these important requirements. \nFHA-approved lenders have a responsibility to ensure that FHA-insured loans meet our standards, which are in place for the protection of FHAs insurance fund, said XXXX XXXX, HUDs General Counsel. The agreement we announce today should serve as a reminder that sustainable homeownership starts with compliance with underwriting requirements. \nThis settlement resolves allegations that a financial institution, trusted to comply with FHA loan origination, underwriting and quality control requirements, failed to meet its obligations as a participant in the FHA program, said Inspector General XXXX XXXX XXXX for HUD. The banks actions impact the solvency of the FHA insurance fund. It is through the combined efforts of the Department of Justices Civil Division, the U.S. Attorneys Office for the XXXX  District of Florida, HUD and the Office of Inspector General that we continue to ensure the integrity of this important FHA program to American homeowners. ( United  States of America Department of Justice Office of Public Affairs ( XX/XX/XXXX ) https : //www.justice.gov/opa/pr/regions-bank-agrees-pay-524-million-resolve-alleged-false-claims-act-liability-arising-fha The sad and daunting failure to follow and apply established guidelines to all foreclosure procedures would invariably mean that all mothers and American families will undergo a similar, painful experience. At the present time, I dont have any money and within the past few days and weeks, I have been admitted to the hospital to address a variety of health-related matters. \nMy writing this letter is an attempt to bring information about the housing and medical struggles endured by members of my American family. Moreover, such a testimony is being espoused to try and demonstrate how the Elderly, Aged and XXXX mothers in our community find themselves imbued by the way in which bad faith mortgage foreclosure decisions are being made. I believe that there were many reasons why my XXXX-year-old, XXXX, XXXX XXXX mother is about to lose her home, namely : 1.The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX mother being informed about the use of an arbitrator or mediator to resolve the dispute. \n2. The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX  mother being informed about the availability of various and sundry resources to prevent her home from being foreclosed. \n3. The foreclosure was done without Regions Bank informing my XXXX-year-old, XXXX, XXXX XXXX   mother about receiving help from the various and sundry legal, counseling and housing resource agencies in Alabama. \n4 The foreclosure was done without the homeowner receiving a letter from Regions Bank informing her that a decision to foreclose has been made. \n5.The foreclosure was done without the homeowner receiving a certified letter informing or notifying her about a possible past due payments or mortgage payment not being paid 6. I believe that the Regent Bank did not act in good faith and fair dealing when it foreclosed on my mothers home 7. I was told by a Regions Branch customer service employee that my line of credit was being paid every month out of a direct debit from my Regions Checking Account 8.I believe that Regions Branch did not informed me that my payments were behind, To the best of my ability, I do not recall receiving a correspondence regarding this matter. \n9.My mother has several health conditions that I believe should have been looked upon as a mitigating factor in this foreclosure issue. Such as XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX etc. ; I believe that because of her medical condition some attempt should have been made to assess the publication provided by the United States of America Department of Justice ( DOJ ) entitled Update : A Primer for State and Local Government. In this document, it stated that the Americans with Disability Act : Protects the rights of people who have a physical or mental impairment that substantially limits their ability to perform one or more major life activities, such as breathing, walking, reading, thinking, seeing, hearing, or working. It does not apply to people whose impairment is unsubstantial, such as someone who is slightly nearsighted or someone who is mildly allergic to pollen. However, it does apply to people whose disability is substantial but can be moderated or mitigated, such as someone with diabetes that can normally be controlled with medication or someone who uses leg braces to walk, as well as to people who are temporarily substantially limited in their ability to perform a major life activity. The ADA also applies to people who have a record of having a substantial impairment ( e.g., a person with cancer that is in remission ) or are regarded as having such an impairment ( e.g., a person who has scars from a severe burn ). \nTitle II of the ADA applies to all State and local governments and all departments, agencies, special purpose districts, and other instrumentalities of State or local government ( public entities ). It applies to all programs, services, or activities of public entities, from adoption services to zoning regulation. Title II entities that contract with other entities to provide public services ( such as non-profit organizations that operate drug treatment programs or convenience stores that sell state lottery tickets ) also have an obligation to ensure that their contractors do not discriminate against people with disabilities ( U.S. Department of Justice Civil Rights Division Disability Rights Section, Americans With Disabilities Act ( Https : //www.ada.gov/regs2010/title_2010/title_ii_primer.html. ) I am asking for your help and assistance for my XXXX-year-old, XXXX, XXXX XXXX  mother who, is distressed, worried and concerned about losing her home due to foreclosing procedures instituted by Regions Bank. I am requesting that the foreclosure be stopped and immediately the words and language written in the various and sundry Federal Laws, Codes of Alabama and the Settlement Agreement to achieve compliance and enforcement. \nI look forward to hearing from you. If you need to contact me, I can be reached at ( XXXX ) XXXX. \nSincerely XXXX XXXX XXXX XXXX CC","date_sent_to_company":"2019-01-14T18:41:56.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"35211","tags":"Older American","has_narrative":true,"complaint_id":"3124382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2019-01-14T16:53:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Title II of the ADA applies to all <em>State</em> and <em>local</em> <em>governments</em> and all departments, agencies, special purpose districts, and other instrumentalities of <em>State</em> or <em>local</em> <em>government</em> ( public <em>entities</em> ). It applies to all programs, services, or activities of public <em>entities</em>, from adoption services to zoning regulation."]},"sort":[14.095732,"3124382"]},{"_index":"complaint-public-v1","_id":"12079877","_score":13.229559,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX, I seek your assistance with an interstate child support case that continues to appear on my credit report. \nI contacted the Department of Human Services and all three credit reporting agencies. \nThe credit agencies have stated they have verified the information. \nMy question is : how did they verify the information? What documents and laws were reviewed during this verification process? Specifically, did they examine birth certificates, the original judgment order, or other relevant legal documents? \nGiven the complexities of interstate child support cases, understanding the verification process is crucial to ensuring accuracy and compliance with federal and state laws. \nDepartment of Human Services only referenced Tennessee Code 36-5-106 ( a ) The Department of Human Services or any of its Title IV-D child support contractors shall report periodically to consumer reporting agencies, as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), the name of any noncustodial parent, of which the department or its Title IV-D contractors has a record, who is either current in payments of support or who is delinquent in the payment of support and the amount of the current obligation or arrears owed by such parent. Such information shall only be furnished to an entity that provides evidence to the Department of Human Services that it meets the requirements to be defined as a consumer reporting agency under the Fair Credit Reporting Act.\n\nHowever, if we look further at this same law outlined in Tennessee Code 36-5-106 ( b ), delinquency is defined as unpaid support ordered for a minor child or a spouse/former spouse with whom the child resides. Since this case does not and has never involved any minor children, I believe that false and inaccurate reporting has been provided and continues still to date.\n\nWhen the state of Tennessee took on this specific case, everyone involved was above the age of majority under the XXXX XXXX Family Support Act ( XXXX  ) and the XXXX XXXX Provisions. According to the XXXX XXXX, before a country can ratify the treaty, it must provide evidence that its laws and procedures meet the treaty requirements, including parentage establishment and the recognition and enforcement of support orders for children up to age XXXX. \nNo minor children were involved. \nAdditionally, under Title IV-D of the Social Security Act, child support enforcement is intended to assist custodial parents in collecting support for minor children. Since no minor children were involved, continued reporting appears to conflict with federal and state guidelines.\n\nFurthermore, 42 U.S. Code 654 ( 4 ) ( B ) ( i ) - ( ii ) - State Plan for Child and Spousal Support, which requires state agencies to have procedures for the timely provision of services to individuals in interstate cases. Another law was disregarded in my specific case.\n\nUnder 15 U.S. Code 1681b ( 4 ) - Permissible Purposes of Consumer Reports, In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that how was information certified?\n\nSince this case has been fully paid and no minor children were involved, the continued reporting on my credit report is no longer permissible under federal and state law. \nI requested the order/judgment from XXXX  XXXX for my records and have yet to receive this information, which has hindered my ability to provide complete documentation of the closure and payment of this case. \nI kindly request a full investigation and that appropriate actions be taken by deleting this information from my consumer profile from all three agencies. \n\nThank you for taking the time to read my concerns. \nI look forward to your guidance on the next steps. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-14T23:05:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37040","tags":null,"has_narrative":true,"complaint_id":"12079877","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-14T22:51:10.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681b ( 4 ) - Permissible Purposes of Consumer Reports, In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that how was information certified?"]},"sort":[13.229559,"12079877"]},{"_index":"complaint-public-v1","_id":"12079759","_score":13.229559,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX, I seek your assistance with an interstate child support case that continues to appear on my credit report. \nI contacted the Department of Human Services and all three credit reporting agencies. \nThe credit agencies have stated they have verified the information. \nMy question is : how did they verify the information? What documents and laws were reviewed during this verification process? Specifically, did they examine birth certificates, the original judgment order, or other relevant legal documents? \nGiven the complexities of interstate child support cases, understanding the verification process is crucial to ensuring accuracy and compliance with federal and state laws. \nDepartment of Human Services only referenced Tennessee Code 36-5-106 ( a ) The Department of Human Services or any of its Title IV-D child support contractors shall report periodically to consumer reporting agencies, as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), the name of any noncustodial parent, of which the department or its Title IV-D contractors has a record, who is either current in payments of support or who is delinquent in the payment of support and the amount of the current obligation or arrears owed by such parent. Such information shall only be furnished to an entity that provides evidence to the Department of Human Services that it meets the requirements to be defined as a consumer reporting agency under the Fair Credit Reporting Act.\n\nHowever, if we look further at this same law outlined in Tennessee Code 36-5-106 ( b ), delinquency is defined as unpaid support ordered for a minor child or a spouse/former spouse with whom the child resides. Since this case does not and has never involved any minor children, I believe that false and inaccurate reporting has been provided and continues still to date.\n\nWhen the state of Tennessee took on this specific case, everyone involved was above the age of majority under the XXXX XXXX Family Support Act ( XXXX  ) and the XXXX XXXX Provisions. According to the XXXX XXXX, before a country can ratify the treaty, it must provide evidence that its laws and procedures meet the treaty requirements, including parentage establishment and the recognition and enforcement of support orders for children up to age XXXX. \nNo minor children were involved. \nAdditionally, under Title IV-D of the Social Security Act, child support enforcement is intended to assist custodial parents in collecting support for minor children. Since no minor children were involved, continued reporting appears to conflict with federal and state guidelines.\n\nFurthermore, 42 U.S. Code 654 ( 4 ) ( B ) ( i ) - ( ii ) - State Plan for Child and Spousal Support, which requires state agencies to have procedures for the timely provision of services to individuals in interstate cases. Another law was disregarded in my specific case.\n\nUnder 15 U.S. Code 1681b ( 4 ) - Permissible Purposes of Consumer Reports, In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that how was information certified?\n\nSince this case has been fully paid and no minor children were involved, the continued reporting on my credit report is no longer permissible under federal and state law. \nI requested the order/judgment from XXXX  XXXX for my records and have yet to receive this information, which has hindered my ability to provide complete documentation of the closure and payment of this case. \nI kindly request a full investigation and that appropriate actions be taken by deleting this information from my consumer profile from all three agencies. \n\nThank you for taking the time to read my concerns. \nI look forward to your guidance on the next steps. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-14T23:05:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37040","tags":null,"has_narrative":true,"complaint_id":"12079759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-14T23:05:27.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681b ( 4 ) - Permissible Purposes of Consumer Reports, In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that how was information certified?"]},"sort":[13.229559,"12079759"]},{"_index":"complaint-public-v1","_id":"12076908","_score":13.227572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX, I seek your assistance with an interstate child support case that continues to appear on my credit report. \nI contacted the Department of Human Services and all three credit reporting agencies. \nThe credit agencies have stated they have verified the information. \nMy question is : how did they verify the information? What documents and laws were reviewed during this verification process? Specifically, did they examine birth certificates, the original judgment order, or other relevant legal documents? \nGiven the complexities of interstate child support cases, understanding the verification process is crucial to ensuring accuracy and compliance with federal and state laws. \nDepartment of Human Services only referenced Tennessee Code 36-5-106 ( a ) The Department of Human Services or any of its Title IV-D child support contractors shall report periodically to consumer reporting agencies, as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), the name of any noncustodial parent, of which the department or its Title IV-D contractors has a record, who is either current in payments of support or who is delinquent in the payment of support and the amount of the current obligation or arrears owed by such parent. Such information shall only be furnished to an entity that provides evidence to the Department of Human Services that it meets the requirements to be defined as a consumer reporting agency under the Fair Credit Reporting Act.\n\nHowever, if we look further at this same law outlined in Tennessee Code 36-5-106 ( b ), delinquency is defined as unpaid support ordered for a minor child or a spouse/former spouse with whom the child resides. Since this case does not and has never involved any minor children, I believe that false and inaccurate reporting has been provided and continues still to date.\n\nWhen the state of Tennessee took on this specific case, everyone involved was above the age of majority under the XXXX XXXX Family Support Act ( XXXX  ) and the XXXX XXXX Provisions. According to the XXXX XXXX, before a country can ratify the treaty, it must provide evidence that its laws and procedures meet the treaty requirements, including parentage establishment and the recognition and enforcement of support orders for children up to age XXXX. \nNo minor children were involved. \nAdditionally, under Title IV-D of the Social Security Act, child support enforcement is intended to assist custodial parents in collecting support for minor children. Since no minor children were involved, continued reporting appears to conflict with federal and state guidelines.\n\nFurthermore, 42 U.S. Code 654 ( 4 ) ( B ) ( i ) - ( ii ) - State Plan for Child and Spousal Support, which requires state agencies to have procedures for the timely provision of services to individuals in interstate cases. Another law was disregarded in my specific case.\n\nUnder 15 U.S. Code 1681b ( 4 ) - Permissible Purposes of Consumer Reports, In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that how was information certified?\n\nSince this case has been fully paid and no minor children were involved, the continued reporting on my credit report is no longer permissible under federal and state law. \nI requested the order/judgment from XXXX  XXXX for my records and have yet to receive this information, which has hindered my ability to provide complete documentation of the closure and payment of this case. \nI kindly request a full investigation and that appropriate actions be taken by deleting this information from my consumer profile from all three agencies. \n\nThank you for taking the time to read my concerns. \nI look forward to your guidance on the next steps. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-14T23:05:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37040","tags":null,"has_narrative":true,"complaint_id":"12076908","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-14T23:05:27.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681b ( 4 ) - Permissible Purposes of Consumer Reports, In response to a request by the head of a <em>State</em> or <em>local</em> child support enforcement agency ( or a <em>State</em> or <em>local</em> <em>government</em> official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that how was information certified?"]},"sort":[13.227572,"12076908"]},{"_index":"complaint-public-v1","_id":"8829340","_score":13.201878,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"IXXXX XXXX XXXX XXXX XXXX  am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The names on all accounts are incorrect. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XXXX. ( XXXX ) Effectiveness study. Not later than 18 months after XXXX, the XXXX XXXX of the United States shall submit a report to Congress assessing the effectiveness of this provision. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do 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, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2024-04-22T21:30:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"8829340","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-22T21:25:34.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[13.201878,"8829340"]},{"_index":"complaint-public-v1","_id":"8391572","_score":13.201878,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The names on all accounts are incorrect. \n\n\n\nFCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( XXXX ) Effectiveness study. Not later than 18 months after XX/XX/2003, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision. \n\n\n\n\n\nFCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do 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, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2024-02-22T00:21:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19144","tags":null,"has_narrative":true,"complaint_id":"8391572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-22T00:21:49.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business <em>entity</em>, whether maintained by the business <em>entity</em> or by another person on behalf of the business <em>entity</em>, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, <em>State</em>, or <em>local</em> <em>government</em> law enforcement agency or officer specified"]},"sort":[13.201878,"8391572"]},{"_index":"complaint-public-v1","_id":"8833935","_score":13.189205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The names on all accounts are incorrect. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XXXX. ( XXXX  ) Effectiveness study. Not later than 18 months after XXXX, the XXXX XXXX of the United States shall submit a report to Congress assessing the effectiveness of this provision. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do 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, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2024-04-22T21:33:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"8833935","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-22T21:30:39.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["for consideration with, a person who has allegedly made unauthorized use of the means of 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