{"took":219,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":45,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17473981","_score":19.54852,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint : Retaliation and Documented Financial Harm Company Involved : Bank of America Product : Checking Account/Account Management Issue : Retaliation, Disrupting Government Benefits, Financial Harm Complaint Narrative 1. Illegal Retaliation Timeline : I previously filed a formal CFPB complaint against Bank of America ( BofA ) on [ Insert Date of Original CFPB Complaint, if you remember it ]. In direct retaliation for that complaint, BofA reported a technical, non-financial compliance violation to the Social Security Administration ( SSA ) regarding the Representative Payee status for my daughter, XXXX XXXX. This alleged violation ( commingling of funds ) had existed and was ignored by BofA for several years. BofA took this specific action shortly after my complaint was filed, demonstrating premeditated malice.\n\n2. Documented Financial and Governmental Harm : BofA 's retaliatory report immediately resulted in severe financial and governmental harm to my dependent child and me : SSA Payee Termination : The SSA issued a formal notice to remove me as my daughter 's Representative Payee ( XXXX XXXX XXXX # : XXXX, dated XX/XX/2025 ). This action directly threatens the continuity of benefits essential for my daughter 's food and shelter. \nFinancial Loss : BofA 's action caused the immediate loss or freezing of XXXXXXXX XXXX XXXX benefit payment of {$990.00}, which is vital income that has been denied to her.\n\n3. Request for Resolution : I request that the CFPB investigate Bank of America for illegal retaliation against a consumer who filed a formal complaint. I demand that BofA : Compensate me for the immediate financial loss of {$990.00} caused by the disruption of the deposit. \nCompensate me for all fees and expenses incurred ( e.g., mailing, new account fees ) as a result of their retaliatory actions. \nBank of America weaponized a technicality to disrupt my familys basic income after I sought legal recourse through the CFPB. This behavior is unacceptable and must be penalized.","date_sent_to_company":"2025-11-24T19:42:41.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17473981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-24T19:28:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["In direct retaliation for that complaint, BofA reported a technical, non-financial <em>compliance</em> <em>violation</em> to the <em>Social</em> <em>Security</em> <em>Administration</em> ( SSA ) <em>regarding</em> the <em>Representative</em> Payee status for my daughter, XXXX XXXX. This alleged <em>violation</em> ( commingling of funds ) had existed and was ignored by BofA for several years. BofA took this specific action shortly after my complaint was filed, demonstrating premeditated malice.\n\n2."]},"sort":[19.54852,"17473981"]},{"_index":"complaint-public-v1","_id":"14950169","_score":16.175457,"_source":{"product":"Checking or savings account","complaint_what_happened":"I felt complaint with Navy Federal regarding XXXXXXXX XXXX XXXX  company I advise them that I spoke to someone at their facility early XXXX and indicated that I would be paying the full loan amount towards the end of the month and ask that they not charge my account since I was agreeing to pay the full balance I was told by their representative not to worry about it that I would not have to worry about them charging my account and to just go ahead and make the full balance payment. Come to find out not only did they charge my account one time but then they charged it a second time one for interest and one for a loan charge. So I filed a dispute with Navy Federal I also indicated that the payment was on the way and that I would furnish proof of the full payment once it was complete and I did that. XXXX Navy Federal just recently issued provisional credits and then I got an email today saying that they were recouping the credits as of XX/XX/XXXX the reason for the recoupment made 0 sense so I called and spoke with XXXX at XXXX a eastern time who indicated the same thing so she reached out to that department to get clarification and they indicated that I did not have proof of full payment. I have had to deal with constant shenanigans from Navy Federal every since filing a complaint previously for discrimination and now I'm being retaliated and discriminated against this denial made no good sense especially when there's clear and concise evidence of a full payment not only is there evidence of a full payment but it also indicates I overpaid and have a credit on the account which they have yet to return to me. Navy Federal is retaliating against me and discriminating against me by wrongfully denying claims with the excuse of me not showing evidence when I have clear and concise evidence of what I say. The very next time they do this to me I will be getting an attorney. They previously discriminated against my family member and client who is XXXX as well as myself. I was in complete duress and having extreme XXXX  dealing with this matter as I said at the doctor 's office waiting for imaging. I am distraught at the thought of having to continuously be attacked by Navy Federal and the fact that they have allowed this company to take my funds that are furnished by social security XXXX. This is unacceptable on many levels and they are out of compliance. Navy Federal owes me the formal apology, when I advised of this I was told that Navy Federal said that I need to email them inside the customer portal to request an apology from them for this error. This is despicable and the shenanigans are unbelievable coming from Navy Federal. Navy federal 's behavior is not representative of the military or what it stands for. They have continued to have discriminatory and retaliative behavior against people of XXXX and absolutely nothing has been done about it but one thing I will say is I will take action and that is not a threat that is a promise. I'm a XXXX XXXX patient receiving SSXXXXI who is both physically and mentally challenged I should not have to deal with being discriminated against or retaliated against by a bank and have to fight for the funds that I have worked for that are given to me by the social security XXXX XXXX office. Navy Federal has continued to cause me an abundance of distress and XXXX  and prohibit me from being able to financially support the necessities to help me deal with my medical physical and mental complications and that is a violation of my rights both Ada and constitutional. I asked that you take action against this organization how many times do they get to violate one 's rights before anybody will do something about it. Like many other organizations they are taking advantage of the fact that we have a corrupt administration in office at this time but all bad things will not last, and there will come a time when they will have to answer. As sick as I feel I will never stop fighting against those that continue to violate me and violate my rights in my ability to live.","date_sent_to_company":"2025-07-29T19:11:36.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85745","tags":"Servicemember","has_narrative":true,"complaint_id":"14950169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-29T18:50:05.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am distraught at the thought of having to continuously be attacked by Navy Federal and the fact that they have allowed this company to take my funds that are furnished by <em>social</em> <em>security</em> XXXX. This is unacceptable on many levels and they are out of <em>compliance</em>. Navy Federal owes me the formal apology, when I advised of this I was told that Navy Federal said that I need to email them inside the customer portal to request an apology from them for this error."]},"sort":[16.175457,"14950169"]},{"_index":"complaint-public-v1","_id":"8611370","_score":15.624368,"_source":{"product":"Credit card","complaint_what_happened":"I have recently received correspondence from XXXX XXXX of American Express Customer Advocate Services Team regarding a recent complaint lodged with the Consumer Financial Protection Bureau ( CFPB ). In the communication, XXXX asserted that American Express is incapable of retracting my application due to its submission status. However, it is imperative to clarify that this assertion is incorrect. The true reason for American Express 's inability to retract my application lies in the fact that it has already been transmitted in accordance with the Electronic Transfer Act, subsequently transformed into a receivable, and deposited, as explicitly detailed in my previous correspondence. Attached herewith is the transaction history from American Express, delineating the precise movement of funds. \n\nMoreover, it is concerning that American Express purports to be \" committed to treating all customers fairly '' and its representatives pledge to \" adhere to all laws and regulations '' while simultaneously engaging in actions that directly contravene this commitment. It is evident that American Express 's actions are in blatant violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and a host of other statutory provisions. \n\nAllow me to elucidate the specific legal infractions perpetrated by American Express in denying my entitlement to unlimited consumer credit. It is imperative that these violations be addressed promptly and rectified to ensure compliance with the law and uphold the principles of fairness and equity. \n\nAmerican Express 's assertion regarding the initial denial of my application being attributed to a XXXX score is deeply concerning. Despite my explicit inquiry in a prior complaint regarding the factors considered by American Express 's underwriting department in determining this denial, my question remains unanswered. Specifically, I requested clarification on the criteria utilized by the Treasury Underwriting department of American Express to assess the application 's outcome. \n\nIt is disconcerting that American Express attributes the denial solely to a XXXX score, especially considering the utilization of a computerized system for processing applications. This system, as disclosed in your XXXX  XXXX filing dated XX/XX/XXXX, has been acknowledged by American Express itself as unreliable. Therefore, it is imperative that American Express provide transparent and accurate information regarding the comprehensive factors influencing application decisions, ensuring accountability and fairness in its processes. \n\nWe rely principally on the customers creditworthiness for repayment of loans or receivables and therefore often have no other recourse for collection. Our ability to assess creditworthiness may be impaired as a result of changes in our underwriting practices or if the criteria or models we use to manage our credit risk prove inaccurate in predicting future losses, which could have a negative impact on our results of operations. This may be exacerbated to the extent information we have historically relied upon to make credit decisions does not accurately portray a customers creditworthiness, including as a result of the current high rates of inflation and economic slowdown. ( XXXX Filing, dated XX/XX/XXXX, Pg XXXX ) Our use of artificial intelligence and machine learning is subject to various risks including the use of personal information, flaws in our models or datasets that may result in biased or inaccurate results, ethical considerations regarding artificial intelligence, and our ability to safely deploy and implement governance and controls for artificial intelligence systems. ( XXXX Filing, dated XX/XX/XXXX, Pg XXXX ) Once more, I must insist on clarity regarding the factors underlying the initial denial of my application. Given the acknowledgment of potential biases and inaccuracies within American Express 's computerized systems, it is imperative to understand the precise criteria influencing such decisions. The reliance on these systems, as previously noted in American Express 's own disclosures, raises concerns regarding discriminatory practices directed towards me as a consumer. This further substantiates my previous assertion regarding American Express 's violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ). \n\nFurthermore, I find it necessary to address American Express 's request for my social security number during the application process. Despite the assertion of using it for identity verification, it is crucial to highlight that this request was made under false pretenses. The Social Security Administration 's clarification unequivocally states that the social security number is not intended as a personal identifier for verification purposes. Therefore, by providing my social security number and signature, I inadvertently engaged in a barter transaction. \n\nAmerican Express 's insistence on the necessity of providing my social security number under the guise of identity verification is not only misleading but also inaccurate. This practice warrants scrutiny and rectification to ensure compliance with applicable laws and to uphold the integrity of consumer rights. \n\nThe social security administration even states that The SSN is the single most widely used record identifier for both government and the private sector, exerting a broad influence on the lives of most Americans. However, by itself, it is not a personal identifier because it lacks systematic assignment to every person and the means to authenticate a person 's identity. You can see this for yourself by visiting their website, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nUpon signing and submitting the application, I assumed the role of an investor in American Express. The application, also denoted as a note in accordance with the company 's prospectus, is slated for transfer by American Express Receivables Financing Corporation. Following this transfer, the funds will be deposited into the American Express Credit Account Master Trust, in accordance with the specifications outlined in the American Express Prospectus, dated XX/XX/XXXX, specifically on Page XXXX, Section Sale of Receivables. \n\nThe act of providing my social security number during the application process to American Express gave Power of Attorney and fiduciary status upon them.The duties of a fiduciary, as outlined in 29 U.S. Code 1104, mandate acting solely in the best interest of the beneficiary. It appears that American Express is not fulfilling this duty, and as a result, I will revoke your status as fiduciary and notify the appropriate authorities. \n\nThe inclusion of my social security number in the application effectively transformed the transaction into a barter exchange. By providing this information, I conferred something of monetary value to American Express. Subsequently, American Express will leverage this data to generate receivables, converting them into cash before transferring and depositing the funds into the American Express Credit Account Master Trust. This application, in essence, serves as a security. American Express has already transferred and continues to profit from its securitization, alongside card member loans and receivables, as disclosed in the 'Asset Securitization ' section of the American Express XXXX filing on page XXXX. \n\nThe occurrence of a barter transaction in the securitization process mandates American Express to complete an IRS 1099B form for this transaction. This action underscores American Express 's divergence from its publicly filed SEC filings, particularly the XXXX form, where American Express explicitly states \" We are subject to significant supervision and regulation, and an increasingly stringent enforcement environment, with respect to compliance with anti-money laundering ( AML ), countering the financing of terrorism ( CFT ), sanctions and anti-corruption laws and regulations. Failure to maintain and implement adequate programs and policies and procedures for AML/CFT , sanctions and anti-corruption compliance could have material financial, legal and reputational consequences Filing an IRS form 1099B for this barter transaction would not only be erroneous but could also be construed as facilitating tax evasion and engaging in money laundering practices. A legitimate barter transaction entails a fair exchange of goods or services. In this case, I provided American Express with a security, yet they have retained it without providing any reciprocal benefit. Instead, American Express continues to trade the security and retain the proceeds for their own gain. This behavior contradicts the principle of fair trade and can not be equated with a lawful exchange. Therefore, submitting a 1099B form would be misleading and potentially fraudulent. I am fully committed to informing the IRS of this discrepancy and ensuring that appropriate action is taken. \n\nI have also pulled American Express Charter report dated XX/XX/XXXX, and in this report it states The OCC has not identified that this institution or any affiliate whose loans have been considered as part of the institutions lending performance has engaged in discriminatory or other illegal credit practices that require consideration in this evaluation. Now with that being said the OCC also states that in the same charter report The OCC will consider any information that this institution engaged in discriminatory or other illegal credit practices, identified by or provided to the OCC before the end of the institutions next performance evaluation in that subsequent evaluation, even if the information concerns activities that occurred during the evaluation period addressed in this performance evaluation. I am fully prepared to report American Express to the Office Of the Comptroller.\n\nUnder FINRA regulations, American Express is engaging in securities fraud by retaining my security and withholding all proceeds and interest associated with it. This conduct directly contravenes the Securities Act of 1933, The Securities Exchange Act of 1934, The Trust Indenture Act of 1934, and numerous other statutes. It is imperative for American Express to comprehend that I am fully prepared to pursue legal recourse. I am poised to lodge formal complaints with regulatory bodies including the Office of the Comptroller of Currency, FINRA, SEC, IRS, Civil Penalty Complaint, Federal Trade Commission, Federal Reserve Board of Governors, among others, to ensure accountability for defrauding consumers. American Express must promptly either approve my consumer credit request or retract my application, bearing my original signature and containing non-public information that I do not authorize for sale or transfer to third parties. Failure to retract my application, containing sensitive information, will also breach the privacy act as per the FTC 's guidelines. \n\nBelow, I have provided a comprehensive list of laws and definitions for American Express to carefully review and consider in relation to the current situation. Please take the time to thoroughly assess these regulations and definitions. I must emphasize that this will be my final communication regarding this matter. Any outcome other than the immediate approval of my application or the retraction of my original application will necessitate further legal action. This complaint serves as formal notice of my intentions moving forward. \n___________________________ Dodd-Frank Wall Street Reform and Consumer Protection Act TITLE X Subtitle A Bureau of Consumer Financial Protection ( c ) OVERALL ENFORCEMENT AUTHORITY OF FEDERAL TRADE COMMISSION.Except to the extent that enforcement of the requirements imposed under this title is specifically committed to some other Government agency under any of paragraphs ( 1 ) through ( 8 ) of subsection ( a ), and subject to subtitle B of the Consumer Financial Protection Act of 2010, the Federal Trade Commission shall be authorized to enforce such requirements. For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of any requirement imposed under this subchapter shall be deemed a violation of a requirement imposed under that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with the requirements imposed under this title, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce any rule prescribed by the Bureau under this title in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. ; and FAIR LENDING.The term fair lending means fair, equitable, and nondiscriminatory access to credit for consumers.\n\nH. R. 4173603 ( d ) ( 1 ) PENALTIES AND FINES. ( 1 ) ESTABLISHMENT OF VICTIMS RELIEF FUND.There is established in the Federal Reserve a separate fund, to be known as the Consumer Financial Civil Penalty Fund ( referred to in this section as the Civil Penalty Fund ). The Civil Penalty Fund shall be maintained and established at a Federal reserve bank, in accordance with such requirements as the Board of Governors may impose. If the Bureau obtains a civil penalty against any person in any judicial or administrative action under Federal consumer financial laws, the Bureau shall deposit into the Civil Penalty Fund, the amount of the penalty collected.\n\nH. R. 4173604 ( 2 ) PAYMENT TO VICTIMS.Amounts in the Civil Penalty Fund shall be available to the Bureau, without fiscal year limitation, for payments to the victims of activities for which civil penalties have been imposed under the Federal consumer financial laws.\n\nSubtitle BGeneral Powers of the Bureau H. R. 4173605 SEC. 1021. PURPOSE, OBJECTIVES, AND FUNCTIONS. ( a ) PURPOSE.The Bureau shall seek to implement and, where applicable, enforce Federal consumer financial law consistently for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that markets for consumer financial products and services are fair, transparent, and competitive. ( b ) OBJECTIVES.The Bureau is authorized to exercise its authorities under Federal consumer financial law for the purposes of ensuring that, with respect to consumer financial products and services ( 1 ) consumers are provided with timely and understandable information to make responsible decisions about financial transactions ; ( 2 ) consumers are protected from unfair, deceptive, or abusive acts and practices and from discrimination ; ( 3 ) outdated, unnecessary, or unduly burdensome regulations are regularly identified and addressed in order to reduce unwarranted regulatory burdens ; ( 4 ) Federal consumer financial law is enforced consistently, without regard to the status of a person as a depository institution, in order to promote fair competition; and ( 5 ) markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation. ( c ) FUNCTIONS.The primary functions of the Bureau are ( 1 ) conducting financial education programs ; ( 2 ) collecting, investigating, and responding to consumer complaints ; ( 3 ) collecting, researching, monitoring, and publishing information relevant to the functioning of markets for consumer financial products and services to identify risks to consumers and the proper functioning of such markets ; ( 4 ) subject to sections 1024 through 1026, supervising covered persons for compliance with Federal consumer financial law, and taking appropriate enforcement action to address violations of Federal consumer financial law ; ( 5 ) issuing rules, orders, and guidance implementing Federal consumer financial law ; and ( 6 ) performing such support activities as may be necessary or useful to facilitate the other functions of the Bureau.\n\nIN GENERAL.The Bureau may take any action authorized under subtitle E to prevent a covered person or service provider from committing or engaging in an unfair, deceptive, or abusive act or practice under Federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.\n\nFTC Guidelines on Non Public Infomation The Privacy Rule protects a consumer 's \" nonpublic personal information '' ( NPI ). NPI is any \" personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise \" publicly available. '' NPI is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).","date_sent_to_company":"2024-03-23T06:53:39.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"8611370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-03-23T06:08:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["The <em>Social</em> <em>Security</em> <em>Administration</em> 's clarification unequivocally states that the <em>social</em> <em>security</em> number is not intended as a personal identifier for verification purposes. Therefore, by providing my <em>social</em> <em>security</em> number and signature, I inadvertently engaged in a barter transaction. \n\nAmerican Express 's insistence on the necessity of providing my <em>social</em> <em>security</em> number under the guise of identity verification is not only misleading but also inaccurate."]},"sort":[15.624368,"8611370"]},{"_index":"complaint-public-v1","_id":"8663764","_score":15.601924,"_source":{"product":"Credit card","complaint_what_happened":"I have recently received correspondence from American Express Customer Advocate Services Team regarding a recent complaint lodged with the Consumer Financial Protection Bureau ( CFPB ). In the communication, it was asserted that American Express is incapable of retracting my application due to its submission status. However, it is imperative to clarify that this assertion is incorrect. The true reason for American Express 's inability to retract my application lies in the fact that it has already been transmitted in accordance with the Electronic Transfer Act, subsequently transformed into a receivable, and deposited, as explicitly detailed in my previous correspondence. Attached herewith is the transaction history from American Express, delineating the precise movement of funds. Moreover, it is concerning that American Express purports to be \" committed to treating all customers fairly '' and its representatives pledge to \" adhere to all laws and regulations '' while simultaneously engaging in actions that directly contravene this commitment. It is evident that American Express 's actions are in blatant violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and a host of other statutory provisions. Allow me to elucidate the specific legal infractions perpetrated by American Express in denying my entitlement to unlimited consumer credit. It is imperative that these violations be addressed promptly and rectified to ensure compliance with the law and uphold the principles of fairness and equity. American Express 's assertion regarding the initial denial of my application being attributed to a XXXX  score is deeply concerning. Despite my explicit inquiry in a prior complaint regarding the factors considered by American Express 's underwriting department in determining this denial, my question remains unanswered. Specifically, I requested clarification on the criteria utilized by the Treasury Underwriting department of American Express to assess the application 's outcome. It is disconcerting that American Express attributes the denial solely to a XXXX score, especially considering the utilization of a computerized system for processing applications. This system, as disclosed in your SEC XXXX filing dated XX/XX/XXXX, has been acknowledged by American Express itself as unreliable. Therefore, it is imperative that American Express provide transparent and accurate information regarding the comprehensive factors influencing application decisions, ensuring accountability and fairness in its processes. We rely principally on the customers creditworthiness for repayment of loans or receivables and therefore often have no other recourse for collection. Our ability to assess creditworthiness may be impaired as a result of changes in our underwriting practices or if the criteria or models we use to manage our credit risk prove inaccurate in predicting future losses, which could have a negative impact on our results of operations. This may be exacerbated to the extent information we have historically relied upon to make credit decisions does not accurately portray a customers creditworthiness, including as a result of the current high rates of inflation and economic slowdown. ( XXXX Filing, dated XX/XX/XXXX, Pg 34 ) Our use of artificial intelligence and machine learning is subject to various risks including the use of personal information, flaws in our models or datasets that may result in biased or inaccurate results, ethical considerations regarding artificial intelligence, and our ability to safely deploy and implement governance and controls for artificial intelligence systems. ( XXXX Filing, dated XX/XX/XXXX, Pg 27 ) Once more, I must insist on clarity regarding the factors underlying the initial denial of my application. Given the acknowledgment of potential biases and inaccuracies within American Express 's computerized systems, it is imperative to understand the precise criteria influencing such decisions. The reliance on these systems, as previously noted in American Express 's own disclosures, raises concerns regarding discriminatory practices directed towards me as a consumer. This further substantiates my previous assertion regarding American Express 's violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ). Furthermore, I find it necessary to address American Express 's request for my social security number during the application process. Despite the assertion of using it for identity verification, it is crucial to highlight that this request was made under false pretenses. The Social Security Administration 's clarification unequivocally states that the social security number is not intended as a personal identifier for verification purposes. Therefore, by providing my social security number and signature, I inadvertently engaged in a barter transaction. American Express 's insistence on the necessity of providing my social security number under the guise of identity verification is not only misleading but also inaccurate. This practice warrants scrutiny and rectification to ensure compliance with applicable laws and to uphold the integrity of consumer rights. The social security administration even states that The SSN is the single most widely used record identifier for both government and the private sector, exerting a broad influence on the lives of most Americans. However, by itself, it is not a personal identifier because it lacks systematic assignment to every person and the means to authenticate a person 's identity. You can see this for yourself by visiting their website, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon signing and submitting the application, I assumed the role of an investor in American Express. The application, also denoted as a note in accordance with the company 's prospectus, is slated for transfer by American Express Receivables Financing Corporation. Following this transfer, the funds will be deposited into the American Express Credit Account XXXX XXXX, in accordance with the specifications outlined in the American Express Prospectus, dated XX/XX/XXXX, specifically on Page 104, Section Sale of Receivables. The act of providing my social security number during the application process to American Express gave Power of Attorney and fiduciary status upon them.The duties of a fiduciary, as outlined in 29 U.S. Code 1104, mandate acting solely in the best interest of the beneficiary. It appears that American Express is not fulfilling this duty, and as a result, I will revoke your status as fiduciary and notify the appropriate authorities. The inclusion of my social security number in the application effectively transformed the transaction into a barter exchange. By providing this information, I conferred something of monetary value to American Express. Subsequently, American Express will leverage this data to generate receivables, converting them into cash before transferring and depositing the funds into the American Express Credit Account XXXX XXXX. This application, in essence, serves as a security. American Express has already transferred and continues to profit from its securitization, alongside card member loans and receivables, as disclosed in the 'Asset Securitization ' section of the American Express XXXX filing on page 118. The occurrence of a barter transaction in the securitization process mandates American Express to complete an IRS 1099B form for this transaction. This action underscores American Express 's divergence from its publicly filed SEC filings, particularly the XXXX form, where American Express explicitly states \" We are subject to significant supervision and regulation, and an increasingly stringent enforcement environment, with respect to compliance with anti-money laundering ( AML ), countering the financing of terrorism ( CFT ), sanctions and anti-corruption laws and regulations. Failure to maintain and implement adequate programs and policies and procedures for AML/CFT , sanctions and anti-corruption compliance could have material financial, legal and reputational consequences Filing an IRS form 1099B for this barter transaction would not only be erroneous but could also be construed as facilitating tax evasion and engaging in money laundering practices. A legitimate barter transaction entails a fair exchange of goods or services. In this case, I provided American Express with a security, yet they have retained it without providing any reciprocal benefit. Instead, American Express continues to trade the security and retain the proceeds for their own gain. This behavior contradicts the principle of fair trade and can not be equated with a lawful exchange. Therefore, submitting a 1099B form would be misleading and potentially fraudulent. I am fully committed to informing the IRS of this discrepancy and ensuring that appropriate action is taken. I have also pulled American Express Charter report dated XX/XX/XXXX, and in this report it states The OCC has not identified that this institution or any affiliate whose loans have been considered as part of the institutions lending performance has engaged in discriminatory or other illegal credit practices that require consideration in this evaluation. Now with that being said the OCC also states that in the same charter report The OCC will consider any information that this institution engaged in discriminatory or other illegal credit practices, identified by or provided to the OCC before the end of the institutions next performance evaluation in that subsequent evaluation, even if the information concerns activities that occurred during the evaluation period addressed in this performance evaluation. I am fully prepared to report American Express to the Office Of the Comptroller. Under FINRA regulations, American Express is engaging in securities fraud by retaining my security and withholding all proceeds and interest associated with it. This conduct directly contravenes the Securities Act of 1933, The Securities Exchange Act of 1934, The Trust Indenture Act of 1934, and numerous other statutes. It is imperative for American Express to comprehend that I am fully prepared to pursue legal recourse. I am poised to lodge formal complaints with regulatory bodies including the Office of the Comptroller of Currency, FINRA, SEC, IRS, Civil Penalty Complaint, Federal Trade Commission, Federal Reserve Board of Governors, among others, to ensure accountability for defrauding consumers. American Express must promptly either approve my consumer credit request or retract my application, bearing my original signature and containing non-public information that I do not authorize for sale or transfer to third parties. Failure to retract my application, containing sensitive information, will also breach the privacy act as per the FTC 's guidelines. Below, I have provided a comprehensive list of laws and definitions for American Express to carefully review and consider in relation to the current situation. Please take the time to thoroughly assess these regulations and definitions. I must emphasize that this will be my final communication regarding this matter. Any outcome other than the immediate approval of my application or the retraction of my original application will necessitate further legal action. This complaint serves as formal notice of my intentions moving forward. ___________________________ Dodd-Frank Wall Street Reform and Consumer Protection Act TITLE X Subtitle A Bureau of Consumer Financial Protection ( c ) OVERALL ENFORCEMENT AUTHORITY OF FEDERAL TRADE COMMISSION.Except to the extent that enforcement of the requirements imposed under this title is specifically committed to some other Government agency under any of paragraphs ( 1 ) through ( 8 ) of subsection ( a ), and subject to subtitle B of the Consumer Financial Protection Act of 2010, the Federal Trade Commission shall be authorized to enforce such requirements. For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of any requirement imposed under this subchapter shall be deemed a violation of a requirement imposed under that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with the requirements imposed under this title, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce any rule prescribed by the Bureau under this title in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. ; and FAIR LENDING.The term fair lending means fair, equitable, and nondiscriminatory access to credit for consumers. XXXX XXXX XXXX ( d ) ( XXXX ) PENALTIES AND FINES. ( XXXX ) ESTABLISHMENT OF VICTIMS RELIEF FUND.There is established in the Federal Reserve a separate fund, to be known as the Consumer Financial Civil Penalty Fund ( referred to in this section as the Civil Penalty Fund ). The Civil Penalty Fund shall be maintained and established at a Federal reserve bank, in accordance with such requirements as the Board of Governors may impose. If the Bureau obtains a civil penalty against any person in any judicial or administrative action under Federal consumer financial laws, the Bureau shall deposit into the Civil Penalty Fund, the amount of the penalty collected. XXXX XXXX XXXX ( XXXX ) PAYMENT TO VICTIMS.Amounts in the Civil Penalty Fund shall be available to the Bureau, without fiscal year limitation, for payments to the victims of activities for which civil penalties have been imposed under the Federal consumer financial laws. Subtitle BGeneral Powers of the Bureau XXXX XXXX XXXX SEC. XXXX. PURPOSE, OBJECTIVES, AND FUNCTIONS. ( a ) PURPOSE.The Bureau shall seek to implement and, where applicable, enforce Federal consumer financial law consistently for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that markets for consumer financial products and services are fair, transparent, and competitive. ( b ) OBJECTIVES.The Bureau is authorized to exercise its authorities under Federal consumer financial law for the purposes of ensuring that, with respect to consumer financial products and services ( 1 ) consumers are provided with timely and understandable information to make responsible decisions about financial transactions ; ( 2 ) consumers are protected from unfair, deceptive, or abusive acts and practices and from discrimination ; ( 3 ) outdated, unnecessary, or unduly burdensome regulations are regularly identified and addressed in order to reduce unwarranted regulatory burdens ; ( 4 ) Federal consumer financial law is enforced consistently, without regard to the status of a person as a depository institution, in order to promote fair competition; and ( 5 ) markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation. ( c ) FUNCTIONS.The primary functions of the Bureau are ( 1 ) conducting financial education programs ; ( 2 ) collecting, investigating, and responding to consumer complaints ; ( 3 ) collecting, researching, monitoring, and publishing information relevant to the functioning of markets for consumer financial products and services to identify risks to consumers and the proper functioning of such markets ; ( 4 ) subject to sections XXXX through XXXX, supervising covered persons for compliance with Federal consumer financial law, and taking appropriate enforcement action to address violations of Federal consumer financial law ; ( 5 ) issuing rules, orders, and guidance implementing Federal consumer financial law ; and ( 6 ) performing such support activities as may be necessary or useful to facilitate the other functions of the Bureau. IN GENERAL.The Bureau may take any action authorized under subtitle E to prevent a covered person or service provider from committing or engaging in an unfair, deceptive, or abusive act or practice under Federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. FTC Guidelines on Non Public Infomation The Privacy Rule protects a consumer 's \" nonpublic personal information '' ( NPI ). NPI is any \" personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise \" publicly available. '' NPI is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).","date_sent_to_company":"2024-04-01T03:14:54.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"8663764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-04-01T02:46:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The <em>Social</em> <em>Security</em> <em>Administration</em> 's clarification unequivocally states that the <em>social</em> <em>security</em> number is not intended as a personal identifier for verification purposes. Therefore, by providing my <em>social</em> <em>security</em> number and signature, I inadvertently engaged in a barter transaction. American Express 's insistence on the necessity of providing my <em>social</em> <em>security</em> number under the guise of identity verification is not only misleading but also inaccurate."]},"sort":[15.601924,"8663764"]},{"_index":"complaint-public-v1","_id":"12195069","_score":15.255092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SENT VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTN : LEGAL & EQUIFAX CONSUMER AFFAIRS Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : URGENT FORMAL DISPUTE FCRA 605B VIOLATION, SSA FRAUD, AND DEMAND FOR CRIMINAL PROSECUTION Dear Equifax Legal & Consumer Affairs Team, I am formally demanding immediate action regarding fraudulent accounts, unauthorized credit access, and deliberate FCRA violations by Equifax, which have resulted in identity theft, financial fraud, housing denials, and the obstruction of a federal investigation. Despite multiple documented attempts to correct these issues, Equifax has failed to act in compliance with federal law, making your agency complicit in financial harm and criminal negligence.\n\nIDENTITY THEFT, SOCIAL SECURITY FRAUD & CRIMINAL VIOLATIONS I am a documented victim of identity theft, as supported by : FTC Identity Theft Report # XXXX XXXX XXXX XXXX Report # XXXX Official Complaint with the Social Security Administration ( SSA ) & Office of Inspector General ( OIG ) Pending U.S. Treasury Department Inquiry into SSA fraud involving financial institutions Formal Complaint with the U.S. Department of Justice ( DOJ ) for criminal prosecution under 18 U.S.C. 1028 The fraudulent use of my Social Security number ( SSN ) in unauthorized financial transactions has forced me to request a new SSN from the SSA. I am currently awaiting my appointment for reissuance of a new SSN due to the illegal misuse of my existing one, including fraudulent loans, accounts, and SSA-89 form forgeries.\n\nONGOING CREDIT REPORT RESTRICTIONS & FAILURE TO REMOVE FRAUDULENT ACCOUNTS This issue originated in XX/XX/XXXX, when a XXXX XXXX trustee illegally accessed my credit file by fraudulently signing an SSA-89 form to gain unauthorized access to my financial data. Since then : Equifax has failed to properly investigate and remove fraudulent accounts as required by law.\n\nMy credit report access has been unlawfully restricted under false pretense.\n\nEquifax has ignored federally mandated deadlines for blocking fraudulent information per FCRA 605B. \nDOCUMENTED COMMUNICATIONS WITH EQUIFAX XX/XX/XXXX I contacted Equifax Consumer Affairs, was told my report could only be mailed, and received Confirmation # XXXX. The mailed report contained multiple fraudulent accounts that Equifax failed to remove. \nXX/XX/XXXX I spoke with XXXX at Equifax, who again told me my report would be mailed, providing the following confirmation numbers : o XXXX o XXXX o XXXX ( with credit score ) o XXXX XX/XX/XXXX I spoke with Tier 3 Representative XXXX, who confirmed my identity but failed to explain why I was unable to dispute or access my report online. \nFORMAL DEMAND FOR FRAUD BLOCKING & DISPUTE RESOLUTION This is a formal dispute and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ) for the immediate blocking and removal of fraudulent accounts on my credit report. \nDisputed Fraudulent Accounts : Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3800.00} Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : N/A Legal Requirement : Under FCRA 605B, Equifax is legally required to block these fraudulent accounts within four ( 4 ) business days after receiving my identity theft documentation.\n\nEquifax must notify the furnishers of these accounts that they have been flagged as fraudulent.\n\nFailure to comply will result in liability under FCRA 616 & 617.\n\nCRIMINAL LIABILITY & REFERRAL TO DOJ & U.S. TREASURY DEPARTMENT I am formally referring this case to the U.S. Department of Justice ( DOJ ) for criminal prosecution under the following federal statutes : 18 U.S.C. 1028 Identity Theft & Fraudulent Use of Identification Documents 18 U.S.C. 1014 False Statements to Financial Institutions 18 U.S.C. 1344 Bank Fraud 15 U.S.C. 1681q Willful Noncompliance by a Credit Reporting Agency Equifaxs actions have contributed to the fraudulent use of my SSN and obstruction of justice in an ongoing SSA investigation. As such, I am also filing a complaint with the U.S. Treasury Department for financial fraud committed through unauthorized access to my Social Security number and personal financial data.\n\nIMMEDIATE TEMPORARY SUPPRESSION OF DISPUTED ACCOUNTS Under FCRA 1681i ( a ) ( 1 ) ( A ) & FCRA 1681s-2 ( a ) ( 3 ), I am demanding that these disputed accounts be immediately suppressed from my credit file until the reinvestigation is completed.\n\nFINAL WARNING FAILURE TO COMPLY WILL RESULT IN CIVIL & CRIMINAL ACTION If Equifax fails to : Block these fraudulent accounts within four business days ( 605B ).\n\nProvide detailed verification under 611.\n\nCorrect mixed file errors & remove any and ALL unauthorized restrictions.\n\nComply with maximum accuracy requirements under 607 ( b ).\n\nI have immediately : 1. Filed formal criminal complaints with the DOJ, U.S. Treasury, CFPB, FTC, SSA OIG, and my state Attorney General.\n\n2. Within 5 days Initiate legal action under FCRA 616 & 617, seeking statutory damages, punitive damages, and full attorney fees.\n\n3. Request injunctive relief for immediate removal of these fraudulent accounts.\n\n4. Demand that Equifax submit a Universal Data Form ( UDF ) update to permanently delete these accounts.\n\nIf this matter is not resolved immediately, I will pursue my private right of action under the FCRA and FACTA in federal or small claims court. \nSincerely, XXXX XXXX Enclosures : Copy of Government-Issued ID Proof of Address Legal Guardianship Documentation Police Report # XXXX FTC Identity Theft Report # XXXX SSA OIG Case Reference & Pending SSA Reissuance Request XXXX XXXX XXXX for XXXXXXXX XXXX XXXX in treatment Appointment Confirmation Inbox XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to me Thank you for contacting the Social Security Administration. You scheduled an in-office appointment with us. This is confirmation of the date and time of your appointment.","date_sent_to_company":"2025-02-24T15:00:26.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"12195069","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-24T14:37:30.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Despite multiple documented attempts to correct these issues, Equifax has failed to act in <em>compliance</em> with federal law, making your agency complicit in financial harm and criminal negligence.\n\nIDENTITY THEFT, <em>SOCIAL</em> <em>SECURITY</em> FRAUD & CRIMINAL <em>VIOLATIONS</em> I am a documented victim of identity theft, as supported by : FTC Identity Theft Report # XXXX XXXX XXXX XXXX Report # XXXX Official Complaint with the <em>Social</em> <em>Security</em> <em>Administration</em> ( SSA ) & Office of Inspector General ( OIG ) Pending U.S."]},"sort":[15.255092,"12195069"]},{"_index":"complaint-public-v1","_id":"22806729","_score":13.922078,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU Submission Method : Online Portal Complaint Reference : [ CFPB CASE NUMBER - TO BE ASSIGNED ] ________________________________________ COMPLAINANT INFORMATION Full Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX Primary Phone Number : ( XXXX ) XXXX Email Address : XXXX Jurisdiction : XXXX, Nevada ________________________________________ FINANCIAL INSTITUTION INFORMATION Company Name : Hyundai Motor Finance Company Product Type : Auto Loan/Vehicle Financing Vehicle Information : XXXX XXXX XXXX  Vehicle Identification Number ( VIN ) : XXXX Approximate Monthly Payment : {$670.00} Loan Origination Period : XXXX XXXX ________________________________________ DECEASED BORROWER INFORMATION Deceased Borrowers Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Date of Death : XX/XX/XXXX Last Known Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NV XXXX Last XXXX Digits of Social Security Number : XXXX Complainants Relationship to Deceased : Heir to the deceaseds estate with interest in preserving the vehicle asset Estate Status : The family is currently researching and looking into probate proceedings in Nevada. We recently received the death certificate after an extended waiting period, which delayed our ability to properly notify creditors and begin estate administration. \n________________________________________ DETAILED ISSUE DESCRIPTION Timeline of Events XXXX XXXX : XXXX  XXXX financed the XXXX XXXX XXXX  through Hyundai Motor Finance Company XXXX The financing included a trade-in of a XXXX XXXX XXXX XXXX resulting in monthly payments of approximately {$670.00}. XXXX XXXX consistently made payments using her XXXX XXXX benefits. \nXX/XX/XXXX : XXXX  XXXX passed away due to terminal XXXX that caused XXXX failure. Her death was unexpected despite her illness, creating immediate financial and logistical challenges for the family. \nXXXX XXXX through XX/XX/XXXX : The family was in the process of relocating residences by the end of XX/XX/XXXX. When XXXX XXXX passed away, the family became stuck with the moving process while simultaneously dealing with her death and estate matters. \nXX/XX/XXXX : The family was unable to make the scheduled monthly payment due to the immediate financial strain and housing instability caused by XXXX XXXX unexpected death. \nWithin the Last Sixty Days : I contacted Hyundai Motor Finance twice to notify them of my mothers passing and to request payment arrangements. During the first call, I specifically inquired about making a payment arrangement to maintain the loan in good standing. Hyundai Motor Finance denied this request without providing any explanation or alternative solutions. \nRecent Weeks : The family finally received XXXX XXXX death certificate after an extended waiting period, which had prevented us from properly documenting her death to creditors and financial institutions. \nCurrent Status : I have completed the relocation process. The XXXX XXXX XXXX  is now secured at XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX. The vehicle is covered by active insurance under my name, and I am the listed driver on the insurance policy. \nCommunication with Hyundai Motor Finance Despite my attempts to work with Hyundai Motor Finance in good faith, the company has provided no meaningful assistance or alternative solutions. The representatives I spoke with declined to offer payment arrangements without providing any explanation for this decision or information about other available options for families dealing with deceased borrower situations. \n________________________________________ CONSUMER PROTECTION CONCERNS Fair Debt Collection Practices Act Compliance Issues XXXX XXXX XXXX refusal to work with heirs on payment arrangements during the estate transition period raises concerns about potential violations of fair debt collection practices. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, financial institutions must provide reasonable accommodations and can not engage in unfair practices when dealing with family members of deceased borrowers. \nFailure to Provide Reasonable Accommodation Hyundai Motor Finance has failed to provide reasonable accommodation for estate-related circumstances. The companys rigid approach to deceased borrower situations demonstrates a lack of policies that consider the unique challenges families face during estate transitions, particularly when dealing with unexpected deaths and the time required to obtain necessary documentation such as death certificates. \nLack of Clear Communication About Options The company has demonstrated a lack of clear communication about available options for families of deceased borrowers. This absence of transparent communication violates consumer protection principles and leaves families without guidance during already difficult circumstances. \nNeed for Better Policies for Deceased Borrower Situations Hyundai Motor Finances current policies appear inadequate for handling deceased borrower situations in a manner that complies with federal consumer protection laws. The companys approach fails to recognize the legitimate interests of heirs who wish to preserve vehicle assets and continue loan payments during estate administration. \n________________________________________ FINANCIAL IMPACT AND CIRCUMSTANCES Immediate Financial Strain and Housing Instability XXXX  XXXX unexpected death created immediate financial strain and housing instability for me and my family. The timing of her death coincided with our planned relocation, which compounded the financial and logistical challenges we faced. This situation forced us to manage estate matters, complete a move, and attempt to maintain loan obligations simultaneously. \nTemporary Financial Difficulty with Commitment to Payment While I am experiencing temporary financial difficulty due to the circumstances surrounding my mothers death and our forced relocation, I remain committed to maintaining the loan payments. The vehicle represents my mothers hard work and dedication, as she consistently made payments using her Social Security benefits from the time she financed the car. \nPreservation of Vehicle Asset The XXXX XXXX XXXX represents a significant asset of my mothers estate and a testament to her hard work prior to her death. The familys desire to preserve this asset is both financially prudent and emotionally important as we honor her memory and the efforts she made to secure reliable transportation.\n\n________________________________________ DESIRED RESOLUTION AND CFPB ACTION REQUESTED Investigation into Hyundai Motor Finance Practices I respectfully request that the Consumer Financial Protection Bureau investigate Hyundai Motor Finances practices regarding deceased borrower situations and their compliance with federal consumer protection laws. This investigation should examine whether the companys policies and procedures adequately protect the rights of family members and heirs during estate transitions. \nMediation and Dispute Resolution I request that the CFPB facilitate mediation between my family and Hyundai Motor Finance to establish a reasonable payment arrangement that allows us to maintain the vehicle while properly administering my mothers estate. A dispute resolution meeting would provide an opportunity for both parties to reach a fair agreement that honors my mothers memory and hard work. \nPayment Arrangement or Loan Modification I seek the CFPBs assistance in facilitating a reasonable payment arrangement or loan modification that takes into account the unique circumstances of my mothers death and the familys commitment to maintaining the loan. Such an arrangement should provide adequate time for estate administration while preserving the vehicle asset. \nTimeline for Response Given the urgent nature of the estate situation and the risk of further complications, I request that Hyundai Motor Finance be required to contact me within fifteen ( 15 ) days of receiving this complaint to discuss resolution options. \n________________________________________ SUPPORTING INFORMATION AND CURRENT STATUS Vehicle Security and Insurance Coverage The XXXX XXXX XXXX  is currently secured at my residence at XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX. The vehicle is covered by active insurance under my name, and I am the listed driver on the insurance policy. This demonstrates my commitment to maintaining the vehicle properly and my ability to assume responsibility for its care and maintenance. \nCommunication Preferences I request that Hyundai Motor Finance contact me by phone at ( XXXX ) XXXX and provide an email address for ongoing communication regarding this matter. Clear and direct communication channels will facilitate resolution and prevent further misunderstandings.\n\nEstate Administration Context While the family continues to research and pursue proper estate administration procedures in Nevada, the immediate need to address the vehicle loan can not wait for the completion of lengthy probate proceedings. The vehicles preservation is essential to maintaining the estates assets and honoring my mothers investment in reliable transportation. \n________________________________________ REGULATORY FRAMEWORK AND LEGAL BASIS This complaint is submitted pursuant to the Consumer Financial Protection Act of XXXX, which establishes the CFPBs authority to investigate consumer complaints and ensure compliance with federal consumer financial protection laws. The issues raised in this complaint implicate several areas of federal consumer protection law : Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX XXXX XXXX handling of this matter raises questions about compliance with FDCPA requirements regarding communication with family members of deceased borrowers and the provision of reasonable accommodations during estate transitions. \nCFPB Regulation F ( 12 CFR Part 1006 ) : The companys communication practices and response to family member inquiries should comply with current regulatory requirements for debt collection communications and frequency limitations.\n\nTruth in Lending Act ( 15 U.S.C. 1601 ) and Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : These laws provide additional consumer protections that should inform how financial institutions handle deceased borrower situations and work with family members seeking to preserve loan relationships.\n\n________________________________________ CONCLUSION AND HOPE FOR RESOLUTION I express hope that CFPB intervention will lead to a fair resolution that honors my mothers memory and hard work. XXXX  XXXX was a dedicated individual who consistently paid for this vehicle using her XXXX XXXX benefits from the time she financed it. Her commitment to maintaining her financial obligations should be respected, and her familys desire to preserve the vehicle she worked so hard to obtain should be accommodated through reasonable payment arrangements. \nThe resolution of this matter will not only serve my familys interests but will also establish important precedents for how financial institutions should handle deceased borrower situations with compassion, transparency, and compliance with federal consumer protection laws. \nI respectfully request the CFPBs prompt attention to this matter and assistance in achieving a resolution that allows my family to honor my mothers legacy while maintaining the vehicle that represents her hard work and dedication. \n________________________________________ ATTESTATION AND SIGNATURE I, XXXX XXXX XXXX hereby attest that the information provided in this complaint is true and accurate to the best of my knowledge and belief. I understand that providing false information to a federal agency may result in penalties under applicable law. I authorize the Consumer Financial Protection Bureau to share this complaint with Hyundai Motor Finance Company for the purpose of facilitating resolution of this matter.\n\nI further attest that I have made good faith efforts to resolve this matter directly with Hyundai Motor Finance Company before submitting this complaint to the CFPB, and that the company has not provided reasonable accommodation or alternative solutions to address the circumstances arising from my mothers death. \n________________________________________ Contact Information for Follow-Up : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX","date_sent_to_company":"2026-06-02T15:14:58.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"89512","tags":null,"has_narrative":true,"complaint_id":"22806729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2026-06-02T15:09:03.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["The <em>representatives</em> I spoke with declined to offer payment arrangements without providing any explanation for this decision or information about other available options for families dealing with deceased borrower situations. \n________________________________________ CONSUMER PROTECTION CONCERNS Fair Debt Collection Practices Act <em>Compliance</em> Issues XXXX XXXX XXXX refusal to work with heirs on payment arrangements during the estate transition period raises concerns about potential <em>violations</em> of fair"]},"sort":[13.922078,"22806729"]},{"_index":"complaint-public-v1","_id":"10797034","_score":13.515231,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] XXXX ( XXXX ) XXXX XX/XX/year> CAPITAL ONE Financial Corp XXXX Capital XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice, Cease All Reporting to Credit Reporting Agencies due to the unlawful closing of my account after I called on XX/XX/year> to check on the status of the payment I sent via U.S. Certified Mail a Restrictive Words/Endorsement payment to the address listed for Restrictive Words/Endorsement payments on my original contract agreement in the payments section. \n\nAccount Number Ending in : XXXX Dear Sir/Madam agent on behalf of CAPITAL ONE. , et., al., This letter serves as a formal Cease and Desist Notice regarding any unlawful reporting of information to the credit reporting agencies ( XXXX, XXXX, XXXX, and all other Credit Reporting Agencies ) concerning my account ending in XXXX. Your actions by closing my account after I mailed my restrictive words/endorsement payment is a direct violation of the terms and conditions and a breach of contract. Furthermore, I have not received back my form of payment which is defined as Securities Fraud by the SEC, FTC, and CFPB. CAPITAL ONE is in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Congressional Law, the Privacy Act, Federal Law, and IRS regulations. \n\nConditional Acceptance under Rule 1002 : I hereby invoke Rule 1002 to conditionally accept your claims upon your immediate provision of the following original documents under penalty of perjury under the United States ( no copies or reprints will suffice ) : The original wet-ink signature application/promissory note pertaining to my account : 1. ) All insurance claims, write-offs, and IRS Form 1099 A, 1099 OID, and 1099 C that relate to any debt discharge or charge-offs regarding this account. \nDetailed charge-off information, including the date and amount of any charge-off, and any sale or transfer of the debt. \n2. ) Full disclosure and full accounting/bookkeeping of all transactions, payments, credits, debits, audit reports, and charges made on the account.\n\n3. ) The complete chain of title, including any transfers or assignments of the promissory note or related documents. \n4. ) All periodic statements and late payment history, as mandated by 15 USC 1666 ( b ), along with documentation that I received these statements within the required 21-day period before the due date as per 15 USC 1637 ( b ). \n\nFailure to provide these original documents within the timeframe mandated by law of 10 days will result in the presumption that the reported information is fraudulent and inaccurate. Any failure to comply will further confirm that your actions are both unlawful and willful. I am also addressing a serious violation of the original contract governing our agreement. Specifically, the unauthorized sharing of my private information with an unaffiliated third party constitutes a breach of contract under 15 USC 1692 ( g ), which outlines protections for consumers in debt collection and prohibits unauthorized disclosure of personal information. This action is a violation of my rights under the law, as no consent was provided for the sharing of my personal details with any third party not directly involved in this consumer transaction. I request immediate cessation of such activity and demand confirmation that my information will not be further shared in violation of the original contract and federal law. \n\nCease and Desist Demand : You are hereby demanded to immediately cease and desist from any further reporting of any information to all and any of the credit reporting agencies, non-assumpsit. This includes but is not limited to, false reporting of late payments, charge-offs, or any other adverse account statuses that are damaging my credit profile. Should you fail to comply, I will pursue all available legal remedies, including filing complaints with the Department of Treasury Inspector General, Social Security Administration Inspector General, and the FBI concerning Concealment of Securities, Copyright Infringement, Identity Theft, Defamation of Character, and Securities Fraud and seeking Civil penalties under 15 USC 1681 ( n ) and other applicable statutes. \n\nLegal Compliance : Please be advised that under the FCRA, FDCPA, and Congressional Law, you are legally required to ensure the accuracy of all information you report to credit agencies. Furthermore, under the Privacy Act and Federal Law, you must protect my personal information from fraudulent use or misrepresentation. Additionally, under IRS regulations, any fraudulent misreporting, especially regarding charge-offs or debt discharge, may subject you to Criminal and Civil penalties. Notice, that I will not hesitate to file a copy of this Cease and Desist Notice in a Court Claim against CAPITAL ONE., if and when necessary. Should you fail to comply with this Cease and Desist, I will take further legal action, including but not limited to, arbitration, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), ( FDIC ), ( SEC ), ( FTC ), ( XXXX  ), or pursuing litigation in small claims court. Thank you for your prompt attention to this matter. I look forward to your immediate response with the requested original/organic wet-ink documents and confirmation of the cessation of all reporting activities. \nSincerely, By : XXXX : XXXX XXXX XXXX XXXX XXXX Authorized Representative For : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( b ) ( XXXX ). ALL RIGHTS RESERVED. COPYRIGHT NOTICE","date_sent_to_company":"2024-11-14T19:52:31.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"27713","tags":null,"has_narrative":true,"complaint_id":"10797034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-14T19:11:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Should you fail to comply, I will pursue all available legal remedies, including filing complaints with the Department of Treasury Inspector General, <em>Social</em> <em>Security</em> <em>Administration</em> Inspector General, and the FBI concerning Concealment of <em>Securities</em>, Copyright Infringement, Identity Theft, Defamation of Character, and <em>Securities</em> Fraud and seeking Civil penalties under 15 USC 1681 ( n ) and other applicable statutes."]},"sort":[13.515231,"10797034"]},{"_index":"complaint-public-v1","_id":"8784689","_score":12.507211,"_source":{"product":"Credit card","complaint_what_happened":"I am writing this complaint letter against Discover. My husband and I have sent them a tender of payment and have not gotten a response. With the tender payment I sent a letter of instruction in this letter I sent UCC that show them why and how my tender of payment is valid.\n\nUCC 3-104, 3-301, 3-603, 3-111, 3-604. You will find the letter attached. I know they got the letter because I sent it registered mail and got a receipt that they had received it.\n\nTo further support, my tender payment is the following : 12 U.S. Code 5481 - Definitions Sense Complaint ( 18 ) Payment instrument The term payment instrument means a check, draft, warrant, money order, travelers check, electronic instrument, or other instrument, payment of funds, or monetary value ( other than currency ).\n\n( 29 ) Transmitting or exchanging funds The term transmitting or exchanging funds means receiving currency, monetary value, or payment instruments from a consumer for the purpose of exchanging or transmitting the same by any means, including transmission by wire, facsimile, electronic transfer, courier, the Internet, or through bill payment services or through other businesses that facilitate third-party transfers within the United States or to or from the United States .\n\nAs I continue to study and gain the knowledge of securities and securitization and the codes and laws that govern them it has led me to knowledge of the numerous inconsistencies in the contracts/application.\n\nFAILURE TO DISCLOSE : Title 15 U.S. Code 1635 ( a ) Disclosure of obligors right to rescind.\n\nTitle 28 CFR 16.53 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) - Use and collection of social security numbers.\n\nTitle 42 U.S. Code 408 ( 8 ) - Penalties ( related to Disclosure of the use of Social Security Numbers ).\n\nTitle 17 CFR 248.1 ( a ) ( 1 ) ( 2 ) ( 3 ) - Initial privacy notice to consumers required, 17 CFR 248.49 ( a ) ( 2 ), 17 CFR 248.6 Information to be included in privacy notices, 17 CFR 248.7 ( a ) ( 1 ) ( i ) ( ii ) ( iii ) - Form of opt out notice to consumers ; opt out methods.\n\nTitle 12 CFR 360.6 ( a ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 8 ) ( 9 ) - Treatment of financial assets transferred in connection with a securitization or participation ( Transparency regarding the process of the consumer credit application & financial asset ( s ) Take notice pursuant to Title 15 U.S. Code 1635 ( a ) : Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.\n\nI was never given a notice informing me I had the right to rescind.\n\nThe use of my Social Security Number was abused in the process as well. Pursuant to 28 CFR 16.53, I was NEVER given disclosure that ( 1 ) Whether providing social security numbers is mandatory or voluntary ; ( 2 ) Any statutory or regulatory authority that authorizes the collection of social security numbers ; and/or ( 3 ) The uses that will be made of the numbers. Pursuant to 42 U.S. Code 408 ( 8 ), Penalties for whoever ; ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than ( 5 ) five years, or both, except that in the case of a person who receives a fee or other income for services performed in connection with any determination with respect to benefits under this subchapter ( including a claimant representative, translator, or current or former employee of the Social Security Administration ), or who is a physician or other health care provider who submits, or causes the submission of, medical or other evidence in connection with any such determination, such person shall be guilty of a felony and upon conviction thereof shall be fined under title 18, or imprisoned for not more than ( 10 ) ten years, or both.\n\nA clear & direct violation of FEDERAL REGULATIONS as well as the TRUTH IN LENDING ACT where penalties range from the following ; Twice the amount of any finance charge in connection with the transaction. \n25 % of the total amount of monthly payments under the lease, minimum {$200.00}, and maximum {$2000.00}. \nAn individual action relating to an open-end consumer credit plan that is not secured by real property or a dwelling : twice the amount of any finance charge in connection with the transaction, minimum {$500.00}, and maximum {$5000.00} which could be even higher where a violation is evinced by an established pattern or practice of such failures. \nAn individual action relating to a closed-end transaction secured by real property or a dwelling : either minimum {$400.00}, and maximum {$4000.00}, or, in the case of a class action, such amount as the court may allow, no minimum per each member of the class, and the total recovery in any class action ( or series of class actions ) arising out of the same failure to comply by the same creditor may not be more than the lesser of {>= $1,000,000} or 1 % of the net worth of the creditor. \n\nAnd in the case of a failure to comply with many TILA requirements set forth in certain sections of Regulation Z : an amount equal to the sum of all finance charges and fees paid by the consumer unless the creditor demonstrates that the failure to comply is not material. \n\nAs far as FAILURE TO DISCLOSE goes, there was a negligence of transparency pursuant to Title 12 CFR 360.6 ( a ) Treatment of financial assets transferred in connection with a securitization or participation : ( a ) Definitions ( 2 ) Financial asset means cash or a contract or instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity.\n\nMy Social Security number and signature on the application/contract is what gave the value to the instrument. My Social Security number and signature was used to create an Asset- Based Security ( aka ABS ). Which they failed to disclose.\n\n( 3 ) Investor means a person or entity that owns an obligation issued by an issuing entity.\n\nI am the investor it was my social Security number and signature that gave the credit to begin with. which I was not aware of, and they failed to disclose. \n\n( 4 ) Issuing entity means an entity that owns a financial asset or financial assets transferred by the sponsor and issues obligations supported by such asset or assets. Issuing entities may include, but are not limited to, corporations, partnerships, trusts, and limited liability companies and are commonly referred to as special purpose vehicles or special purpose entities. To the extent a securitization is structured as a multi-step transfer, the term issuing entity would include both the issuer of the obligations and any intermediate entities that may be a transferee. Notwithstanding the foregoing, a Specified GSE or an entity established or guaranteed by a Specified GSE shall not constitute an issuing entity. \n\nDiscover card Execution note trust is the issuing entity the sponsor is Discover Bank and their trustee holds payment of my principal or interest evidenced by their indenture trust agreement with the United States securities and exchange commission that can be found in their 10-k report exhibit 4.1. As I look into the application/contract, they did not inform me in a clear inconspicuous way that I was giving them my security interest and all of my proceeds. No one would ever agree to terms and conditions. I will include a diagram how they are structured.\n\n( 5 ) Monetary default means a default in the payment of principal or interest when due following the expiration of any cure period. \nDiscover has defaulted on payments owed to me. \n\n( 6 ) Obligation means a debt or equity ( or mixed ) beneficial interest or security that is primarily serviced by the cash flows of one or more financial assets or financial asset pools, either fixed or revolving, that by their terms convert into cash within a finite time period, or upon the disposition of the underlying financial assets, and by any rights or other assets designed to assure the servicing or timely distributions of proceeds to the security holders issued by an issuing entity. The term may include beneficial interests in a grantor trust, common law trust or similar issuing entity to the extent that such interests satisfy the criteria set forth in the preceding sentence, but does not include LLC interests, partnership interests, common or preferred equity, or similar instruments evidencing ownership of the issuing entity. \n\nI am a security holder and the beneficiary of the security interest. I know that my beneficiary security interest is being held in a grantor trust. Discover also failed to provide how I would gain access to my security interest and that I have the option of opting out of that part of the contract and retaining my security interest, and all of my proceeds. \nThis also can be found in their XXXX  report that is filed with the SEC. Which they failed to disclose.\n\nFerthermore I would like to bring to your attention 17 CFR 240.15 c3-3 Consumer protection, serves and custody of security. There are so much important information that is not being disclosed like ( e ) Special reserve bank accounts for the exclusive benefit of customers and PAB accounts. \n\nWhy not disclose that I would say they are being deceptive and hiding what they are doing. I have the right to have access to my account. How could they ever say that Im late on a payment if they control and and have access to the funds that are in it.\n\n( 2 ) Disclosure and record requirements.\n\n( i ) except as provided in paragraph ( o ) ( 2 ) ( ii ), before a broker or dealer registered with the Commission pursuant to section 15 ( b ) ( 1 ) of the Act ( 15 U.S.C. 78o ( b ) ( 1 ) ) accepts the first order for a security futures product from or on behalf of a customer, the broker or dealer shall furnish the customer with a disclosure document containing the following information : ( C ) A statement indicating whether the customer 's security futures products will be held in a securities account or a futures account, or whether the firm permits customers to make or change an election of account type. \n\nI was never given a statement informing that I had that option. I would in courage you to read 17 CFR 240.15 c3-3 in its entirety as I only highlighted a very small portion.\n\nAs to FAILURE TO PERFORM, pursuant to 12 U.S. Code 83 ( a ) the General prohibition states : No national bank shall make any loan or discount on the security of the shares of its own capital stock. With this evidence present, how was a Extension of Credit ever presented by Discover to ME!? Ill tell you how. \n\nThe initial credit application with my signature is what allowed Discover to access the credit to begin with. That credit application where my social security number and signature was used against my own will and without my knowledge was securitized and turned into an ABS or Asset-Based Security unbeknownst to me, operating in good-faith at the time. \n\nNow it made me asked myself where is the monthly payments going? If I was the one who gave the Credit to begin with. I found my answer in Discovers prospectus. \n\nCredit Card XXXX XXXX We securitize credit card receivables as a source of funding. We access the asset-backed securitization market using the Discover Card XXXX XXXX I ( XXXX ) and the Discover Card Execution Note Trust ( XXXX ). In connection with our securitization transactions, credit card receivables are transferred to XXXX. XXXX has issued a certificate representing the beneficial interest in its credit card receivables to XXXX. We issue XXXX XXXX notes in public and private transactions, which are collateralized by the beneficial interest certificate held by XXXX. From time to time, we may add credit card receivables to XXXX to create sufficient funding capacity for future securitizations while managing sellers interest. During 2023, we added $ XXXX of credit card loan receivables to the securitization trust, which increased sellers interest. As of XXXX, 2023, there were {$30.00} XXXX of credit card XXXX I would say that there are many more failures on Discovers part to disclose what they are doing and they are being deceptive. As you can see they are not operating in good-faith. Discover has said they are closing my account and my husband account. Im not sure how they can do this when they have not returned the security interest their trustee holds and the original application that gave the extension of credit to begin with. Without me/husband the application is worthless. It was our Social Security number and signature that brought the value. Discover Bank is a securitization agents all they can do is securitize the instrument where is our consideration? \n\nFor further evidence see 15 U.S. Code 1602 - Definitions and rules of construction ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. \nA thorough investigation in to these violations and immediate action to rectify any non-compliance with legal provisions. Your prompt attention to this matter and timely response is appreciated in addressing these concerns.","date_sent_to_company":"2024-04-16T08:17:31.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"967XX","tags":null,"has_narrative":true,"complaint_id":"8784689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-04-16T06:48:12.000Z","state":"HI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["( including a claimant <em>representative</em>, translator, or current or former employee of the <em>Social</em> <em>Security</em> <em>Administration</em> ), or who is a physician or other health care provider who submits, or causes the submission of, medical or other evidence in connection with any such determination, such person shall be guilty of a felony and upon conviction thereof shall be fined under title 18, or imprisoned for not more than ( 10 ) ten years, or both."]},"sort":[12.507211,"8784689"]},{"_index":"complaint-public-v1","_id":"11923016","_score":12.001895,"_source":{"product":"Debt collection","complaint_what_happened":"I am a natural person and not my ens legis for alleged debt, I will agree to pay this alleged debt if a proper, formal, and complete investigation was conducted before crediting this alleged debt. I am deeply concerned about the validity, integrity, and accuracy of the information being reported. \n\nDetails of investigation : What evidence did your representative uncover that led them to conclude this account is being reported accurately and lawfully? \n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment Verification Costs : a. What training is provided for accurately reporting and or verifying such information to be correct on consumer credit reports? \n\nb. What were the costs incurred by your company to obtain the documentation necessary for this investigation? \n- please provide the accounting details Communication with Data Furnisher : Did your representative directly communicate with the party reporting this information? \n\nIf no, Who gave authorization to report such information without proper investigation, consent, documentation, and verification? \n\nProvide verifiable details about the employee ( s ) involved in this authorization : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment If yes, a. Who was contacted? \nb. What was their role? \nc. When was the contact made? \nd. What was the nature and duration of the call? \ne. Please provide a transcript documenting this interaction Investigation Communication : a. Provide a complete copy of all information transmitted to the data furnisher as apart of the investigation Verifiable Documentation : By saying you have already completed an investigation you are agreeing in fact you have conducted a reasonable investigation of the account in question. \n\na. Provide the Commencement of Delinquency b. Provide the date of Commencement of Delinquency c. Provide specific dates reporting that items will cease immediately d. Enclosed this with your response to the investigation e. A notarized affidavit of fact confirming the information provided is true and correctly as per my civil rights granted under several federal laws. \n\nThis information should not come as a form letter response, my initial dispute was detailed and directly related to the account in question, a template response WILL NOT be an acceptable response. \n\n\nIf you can not supply ALL the above information in a timely manner as detailed in several laws in this letter, Included but not limited to the fair credit reporting act, I must IMMEDIATELY DEMAND the PERMANENT REMOVAL of this account. \n\n\nCongressional Findings & Legal Framework Fair Credit Reporting Act ( FCRA ) Violations Congress has explicitly found that inaccurate or unverifiable credit reporting causes serious harm to consumers. Under 15 U.S.C. 1681 ( a ), the purpose of the FCRA is to ensure fair and accurate credit reporting, requiring consumer reporting agencies to adopt reasonable procedures for maximum possible accuracy. Reporting inaccurate, outdated, or unverifiable information violates federal law and is subject to civil penalties under 15 U.S.C. 1681n and 1681o. \nAdditionally, under 15 U.S.C. 1681i, if a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation within 30 days and remove any information that can not be verified. \nTruth in Lending Act ( TILA ) & Unfair Credit Practices Pursuant to 15 U.S.C. 1601, the TILA is designed to protect consumers from predatory lending practices. The lack of proper disclosure of the alleged debt constitutes a violation under 15 U.S.C. 1605. Furthermore, under 15 U.S.C. 1643, a cardholder is not liable for unauthorized or unverified charges if the creditor fails to prove liability with documented evidence. \nFair Debt Collection Practices Act ( FDCPA ) Violations Per 15 U.S.C. 1692e, it is unlawful for any debt collector to use false, deceptive, or misleading representations regarding a consumer debt. If you continue to attempt collection without verifiable proof, you will be in violation of federal law and liable under 15 U.S.C. 1692k for statutory and actual damages. \n\nPrecedent-Setting Case Law Studies 1. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) * The court ruled that consumer reporting agencies must conduct a meaningful and thorough investigation when a dispute is raised. If a company fails to provide substantive evidence, the reported debt must be deleted. \n1. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ) * The court found that failure to verify disputed credit information constitutes a reckless disregard for the FCRA, resulting in damages to the consumer. \n1. XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) * The creditor was held liable under TILA for failing to provide proper disclosure regarding disputed debts. \n1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * The court ruled that creditors and furnishers must fully investigate disputes and correct errors or face statutory damages under the FCRA. \n\nDemands & Settlement Offer 1. First Request : IMMEDIATE REMOVAL of this account from my credit reports. Second Request : Settlement of {$9000.00} for damages caused by : * Inaccurate credit reporting Unfair credit practices Emotional and financial distress Violations of my rights under FCRA, FDCPA, and TILA To resolve this matter amicably, I am offering you the opportunity to settle this dispute by sending me a check in the amount of {$9000.00} within the indicated timeframe. \n\nArbitration Fees & Costs Should you fail to comply, I will initiate arbitration, which will result in significant financial liability for your company. Below is an itemized breakdown of costs associated with filing arbitration : | Expense | Cost : | Arbitration Filing Fee | {$3500.00} | | Case Administration Fee | {$2500.00} | | Arbitrators Hourly Rate ( Minimum 40 hours @ $ XXXX ) | {$20000.00} | | Additional Arbitrator Fees ( Post-Hearing, Documentation ) | {$3000.00} | | Expert Witness Fees | {$5000.00} | | Attorney Fees ( Estimated 20 hours @ $ XXXX ) | {$12000.00} | | Travel & Lodging for Hearings XXXX {$2500.00} | | Emotional & Financial Distress Damages | {$5000.00} | | Punitive Damages for Violations of Federal Law | {$10000.00} | | Additional Civil Penalties | {$5000.00} | | Total Estimated Cost to You | $ XXXX | By cooperating with this one-time settlement offer, you can avoid the costly arbitration process. \n\nFinal Warning Failure to comply within the given timeframe will result in immediate legal action, including formal arbitration and claims for damages. \nI expect your prompt attention and full compliance to resolve this matter without further escalation. \n\nSincerely, Without Prejudice, UCC 1-308n All Rights Reserved","date_sent_to_company":"2025-02-05T00:54:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"11923016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2025-02-05T00:48:18.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Details of investigation : What evidence did your <em>representative</em> uncover that led them to conclude this account is being reported accurately and lawfully? \n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of <em>Social</em> <em>Security</em> Number d. Position e. Length of Employment Verification Costs : a."]},"sort":[12.001895,"11923016"]},{"_index":"complaint-public-v1","_id":"11923165","_score":11.999027,"_source":{"product":"Debt collection","complaint_what_happened":"I am a natural person and not my ens legis for alleged debt, I will agree to pay this alleged debt if a proper, formal, and complete investigation was conducted before crediting this alleged debt. I am deeply concerned about the validity, integrity, and accuracy of the information being reported. \n\nDetails of investigation : What evidence did your representative uncover that led them to conclude this account is being reported accurately and lawfully? \n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment Verification Costs : a. What training is provided for accurately reporting and or verifying such information to be correct on consumer credit reports?\n\nb. What were the costs incurred by your company to obtain the documentation necessary for this investigation?\n\n- please provide the accounting details Communication with Data Furnisher : Did your representative directly communicate with the party reporting this information?\n\nIf no, Who gave authorization to report such information without proper investigation, consent, documentation, and verification?\n\nProvide verifiable details about the employee ( s ) involved in this authorization : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment If yes, a. Who was contacted?\n\nb. What was their role?\n\nc. When was the contact made?\n\nd. What was the nature and duration of the call?\n\ne. Please provide a transcript documenting this interaction Investigation Communication : a. Provide a complete copy of all information transmitted to the data furnisher as apart of the investigation Verifiable Documentation : By saying you have already completed an investigation you are agreeing in fact you have conducted a reasonable investigation of the account in question.\n\na. Provide the Commencement of Delinquency b. Provide the date of Commencement of Delinquency c. Provide specific dates reporting that items will cease immediately d. Enclosed this with your response to the investigation e. A notarized affidavit of fact confirming the information provided is true and correctly as per my civil rights granted under several federal laws.\n\nThis information should not come as a form letter response, my initial dispute was detailed and directly related to the account in question, a template response WILL NOT be an acceptable response.\n\nIf you can not supply ALL the above information in a timely manner as detailed in several laws in this letter, Included but not limited to the fair credit reporting act, I must IMMEDIATELY DEMAND the PERMANENT REMOVAL of this account.\n\nCongressional Findings & Legal Framework Fair Credit Reporting Act ( FCRA ) Violations Congress has explicitly found that inaccurate or unverifiable credit reporting causes serious harm to consumers. Under 15 U.S.C. 1681 ( a ), the purpose of the FCRA is to ensure fair and accurate credit reporting, requiring consumer reporting agencies to adopt reasonable procedures for maximum possible accuracy. Reporting inaccurate, outdated, or unverifiable information violates federal law and is subject to civil penalties under 15 U.S.C. 1681n and 1681o.\n\nAdditionally, under 15 U.S.C. 1681i, if a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation within 30 days and remove any information that can not be verified.\n\nTruth in Lending Act ( TILA ) & Unfair Credit Practices Pursuant to 15 U.S.C. 1601, the TILA is designed to protect consumers from predatory lending practices. The lack of proper disclosure of the alleged debt constitutes a violation under 15 U.S.C. 1605. Furthermore, under 15 U.S.C. 1643, a cardholder is not liable for unauthorized or unverified charges if the creditor fails to prove liability with documented evidence.\n\nFair Debt Collection Practices Act ( FDCPA ) Violations Per 15 U.S.C. 1692e, it is unlawful for any debt collector to use false, deceptive, or misleading representations regarding a consumer debt. If you continue to attempt collection without verifiable proof, you will be in violation of federal law and liable under 15 U.S.C. 1692k for statutory and actual damages.\n\nPrecedent-Setting Case Law Studies 1. Cushman v. XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) * The court ruled that consumer reporting agencies must conduct a meaningful and thorough investigation when a dispute is raised. If a company fails to provide substantive evidence, the reported debt must be deleted. \n1. Jones v. XXXX XXXX XXXX XXXX XXXX, No. 05-05075 ( N.D. Cal . 2007 ) * The court found that failure to verify disputed credit information constitutes a reckless disregard for the FCRA, resulting in damages to the consumer.\n\n1. Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) * The creditor was held liable under TILA for failing to provide proper disclosure regarding disputed debts.\n\n1. Nelson v. Chase Manhattan Mortgage Corp., 282 F.3d 1057 ( 9th Cir. 2002 ) * The court ruled that creditors and furnishers must fully investigate disputes and correct errors or face statutory damages under the FCRA.\n\nDemands & Settlement Offer 1. First Request : IMMEDIATE REMOVAL of this account from my credit reports. Second Request : Settlement of {$9000.00} for damages caused by : * Inaccurate credit reporting Unfair credit practices Emotional and financial distress Violations of my rights under FCRA, FDCPA, and TILA To resolve this matter amicably, I am offering you the opportunity to settle this dispute by sending me a check in the amount of {$9000.00} within the indicated timeframe.\n\nArbitration Fees & Costs Should you fail to comply, I will initiate arbitration, which will result in significant financial liability for your company. Below is an itemized breakdown of costs associated with filing arbitration : | Expense | Cost : | Arbitration Filing Fee | {$3500.00} | | Case Administration Fee | {$2500.00} | | Arbitrators Hourly Rate ( Minimum 40 hours @ $ XXXX/hr ) | {$20000.00} | | Additional Arbitrator Fees ( Post-Hearing, Documentation ) | {$3000.00} | | Expert Witness Fees | {$5000.00} | | Attorney Fees ( Estimated 20 hours @ $ XXXX/hr ) | {$12000.00} | | Travel & Lodging for Hearings | {$2500.00} | | Emotional & Financial Distress Damages | {$5000.00} | | Punitive Damages for Violations of Federal Law | {$10000.00} | | Additional Civil Penalties | {$5000.00} | | Total Estimated Cost to You | $ XXXX | By cooperating with this one-time settlement offer, you can avoid the costly arbitration process. \n\nFinal Warning Failure to comply within the given timeframe will result in immediate legal action, including formal arbitration and claims for damages. \nI expect your prompt attention and full compliance to resolve this matter without further escalation. \n\nSincerely, Without Prejudice, UCC 1-308n All Rights Reserved","date_sent_to_company":"2025-03-25T20:18:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"11923165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Allied Collection Services, Inc. (Nevada)","date_received":"2025-02-05T00:55:58.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Details of investigation : What evidence did your <em>representative</em> uncover that led them to conclude this account is being reported accurately and lawfully? \n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of <em>Social</em> <em>Security</em> Number d. Position e. Length of Employment Verification Costs : a."]},"sort":[11.999027,"11923165"]},{"_index":"complaint-public-v1","_id":"11922105","_score":11.999027,"_source":{"product":"Debt collection","complaint_what_happened":"I am a natural person and not my ens legis for alleged debt, I will agree to pay this alleged debt if a proper, formal, and complete investigation was conducted before crediting this alleged debt. I am deeply concerned about the validity, integrity, and accuracy of the information being reported.\n\nDetails of investigation : What evidence did your representative uncover that led them to conclude this account is being reported accurately and lawfully?\n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment Verification Costs : a. What training is provided for accurately reporting and or verifying such information to be correct on consumer credit reports?\n\nb. What were the costs incurred by your company to obtain the documentation necessary for this investigation?\n\n- please provide the accounting details Communication with Data Furnisher : Did your representative directly communicate with the party reporting this information?\n\nIf no, Who gave authorization to report such information without proper investigation, consent, documentation, and verification?\n\nProvide verifiable details about the employee ( s ) involved in this authorization : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment If yes, a. Who was contacted?\n\nb. What was their role?\n\nc. When was the contact made?\n\nd. What was the nature and duration of the call?\n\ne. Please provide a transcript documenting this interaction Investigation Communication : a. Provide a complete copy of all information transmitted to the data furnisher as apart of the investigation Verifiable Documentation : By saying you have already completed an investigation you are agreeing in fact you have conducted a reasonable investigation of the account in question.\n\na. Provide the Commencement of Delinquency b. Provide the date of Commencement of Delinquency c. Provide specific dates reporting that items will cease immediately d. Enclosed this with your response to the investigation e. A notarized affidavit of fact confirming the information provided is true and correctly as per my civil rights granted under several federal laws.\n\nThis information should not come as a form letter response, my initial dispute was detailed and directly related to the account in question, a template response WILL NOT be an acceptable response.\n\nIf you can not supply ALL the above information in a timely manner as detailed in several laws in this letter, Included but not limited to the fair credit reporting act, I must IMMEDIATELY DEMAND the PERMANENT REMOVAL of this account.\n\nCongressional Findings & Legal Framework Fair Credit Reporting Act ( FCRA ) Violations Congress has explicitly found that inaccurate or unverifiable credit reporting causes serious harm to consumers. Under 15 U.S.C. 1681 ( a ), the purpose of the FCRA is to ensure fair and accurate credit reporting, requiring consumer reporting agencies to adopt reasonable procedures for maximum possible accuracy. Reporting inaccurate, outdated, or unverifiable information violates federal law and is subject to civil penalties under 15 U.S.C. 1681n and 1681o.\n\nAdditionally, under 15 U.S.C. 1681i, if a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation within 30 days and remove any information that can not be verified.\n\nTruth in Lending Act ( TILA ) & Unfair Credit Practices Pursuant to 15 U.S.C. 1601, the TILA is designed to protect consumers from predatory lending practices. The lack of proper disclosure of the alleged debt constitutes a violation under 15 U.S.C. 1605. Furthermore, under 15 U.S.C. 1643, a cardholder is not liable for unauthorized or unverified charges if the creditor fails to prove liability with documented evidence.\n\nFair Debt Collection Practices Act ( FDCPA ) Violations Per 15 U.S.C. 1692e, it is unlawful for any debt collector to use false, deceptive, or misleading representations regarding a consumer debt. If you continue to attempt collection without verifiable proof, you will be in violation of federal law and liable under 15 U.S.C. 1692k for statutory and actual damages.\n\nPrecedent-Setting Case Law Studies XXXX. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * The court ruled that consumer reporting agencies must conduct a meaningful and thorough investigation when a dispute is raised. If a company fails to provide substantive evidence, the reported debt must be deleted. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ) * The court found that failure to verify disputed credit information constitutes a reckless disregard for the FCRA, resulting in damages to the consumer. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) * The creditor was held liable under TILA for failing to provide proper disclosure regarding disputed debts. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) * The court ruled that creditors and furnishers must fully investigate disputes and correct errors or face statutory damages under the FCRA.\n\nDemands & Settlement Offer 1. First Request : IMMEDIATE REMOVAL of this account from my credit reports. Second Request : Settlement of {$9000.00} for damages caused by : * Inaccurate credit reporting Unfair credit practices Emotional and financial distress Violations of my rights under FCRA, FDCPA, and TILA To resolve this matter amicably, I am offering you the opportunity to settle this dispute by sending me a check in the amount of {$9000.00} within the indicated timeframe.\n\nArbitration Fees & Costs Should you fail to comply, I will initiate arbitration, which will result in significant financial liability for your company. Below is an itemized breakdown of costs associated with filing arbitration : | Expense | Cost : | Arbitration Filing Fee | {$3500.00} | | Case Administration Fee | {$2500.00} | | Arbitrators Hourly Rate ( Minimum 40 hours @ XXXX XXXXXXXX ) | {$20000.00} | | Additional Arbitrator Fees ( Post-Hearing, Documentation ) | {$3000.00} | | Expert Witness Fees | {$5000.00} | | Attorney Fees ( Estimated 20 hours @ XXXX XXXXXXXX ) | {$12000.00} | | Travel & Lodging for Hearings | {$2500.00} | | Emotional & Financial Distress Damages | {$5000.00} | | Punitive Damages for Violations of Federal Law | {$10000.00} | | Additional Civil Penalties | {$5000.00} | | Total Estimated Cost to You | XXXX XXXX | By cooperating with this one-time settlement of\n\nfer, you can avoid the costly arbitration process. Final Warning Failure to comply within the given timeframe will result in immediate legal action, including formal arbitration and claims for damages. I expect your prompt attention and full compliance to resolve this matter without further escalation. Sincerely, Without Prejudice, UCC 1-308n All Rights Reserved","date_sent_to_company":"2025-02-05T01:13:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"11922105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2025-02-05T01:09:15.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Details of investigation : What evidence did your <em>representative</em> uncover that led them to conclude this account is being reported accurately and lawfully?\n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of <em>Social</em> <em>Security</em> Number d. Position e. Length of Employment Verification Costs : a."]},"sort":[11.999027,"11922105"]},{"_index":"complaint-public-v1","_id":"11922709","_score":11.976901,"_source":{"product":"Debt collection","complaint_what_happened":"Cfb complaint I am a natural person and not my ens legis for alleged debt, I will agree to pay this alleged debt if a proper, formal, and complete investigation was conducted before crediting this alleged debt. I am deeply concerned about the validity, integrity, and accuracy of the information being reported. \n\nDetails of investigation : What evidence did your representative uncover that led them to conclude this account is being reported accurately and lawfully? \n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment Verification Costs : a. What training is provided for accurately reporting and or verifying such information to be correct on consumer credit reports? \n\nb. What were the costs incurred by your company to obtain the documentation necessary for this investigation? \n- please provide the accounting details Communication with Data Furnisher : Did your representative directly communicate with the party reporting this information? \n\nIf no, Who gave authorization to report such information without proper investigation, consent, documentation, and verification? \n\nProvide verifiable details about the employee ( s ) involved in this authorization : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment If yes, a. Who was contacted?\n\nb. What was their role? \nc. When was the contact made? \nd. What was the nature and duration of the call? \ne. Please provide a transcript documenting this interaction Investigation Communication : a. Provide a complete copy of all information transmitted to the data furnisher as apart of the investigation Verifiable Documentation : By saying you have already completed an investigation you are agreeing in fact you have conducted a reasonable investigation of the account in question. \n\na. Provide the Commencement of Delinquency b. Provide the date of Commencement of Delinquency c. Provide specific dates reporting that items will cease immediately d. Enclosed this with your response to the investigation e. A notarized affidavit of fact confirming the information provided is true and correctly as per my civil rights granted under several federal laws. \n\nThis information should not come as a form letter response, my initial dispute was detailed and directly related to the account in question, a template response WILL NOT be an acceptable response. \n\n\nIf you can not supply ALL the above information in a timely manner as detailed in several laws in this letter, Included but not limited to the fair credit reporting act, I must IMMEDIATELY DEMAND the PERMANENT REMOVAL of this account. \n\n\nCongressional Findings & Legal Framework Fair Credit Reporting Act ( FCRA ) Violations Congress has explicitly found that inaccurate or unverifiable credit reporting causes serious harm to consumers. Under 15 U.S.C. 1681 ( a ), the purpose of the FCRA is to ensure fair and accurate credit reporting, requiring consumer reporting agencies to adopt reasonable procedures for maximum possible accuracy. Reporting inaccurate, outdated, or unverifiable information violates federal law and is subject to civil penalties under 15 U.S.C. 1681n and 1681o.\n\nAdditionally, under 15 U.S.C. 1681i, if a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation within 30 days and remove any information that can not be verified. \nTruth in Lending Act ( TILA ) & Unfair Credit Practices Pursuant to 15 U.S.C. 1601, the TILA is designed to protect consumers from predatory lending practices. The lack of proper disclosure of the alleged debt constitutes a violation under 15 U.S.C. 1605. Furthermore, under 15 U.S.C. 1643, a cardholder is not liable for unauthorized or unverified charges if the creditor fails to prove liability with documented evidence.\n\nFair Debt Collection Practices Act ( FDCPA ) Violations Per 15 U.S.C. 1692e, it is unlawful for any debt collector to use false, deceptive, or misleading representations regarding a consumer debt. If you continue to attempt collection without verifiable proof, you will be in violation of federal law and liable under 15 U.S.C. 1692k for statutory and actual damages. \n\nPrecedent-Setting Case Law Studies XXXX. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) * The court ruled that consumer reporting agencies must conduct a meaningful and thorough investigation when a dispute is raised. If a company fails to provide substantive evidence, the reported debt must be deleted. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ) * The court found that failure to verify disputed credit information constitutes a reckless disregard for the FCRA, resulting in damages to the consumer. \nXXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) * The creditor was held liable under XXXX for failing to provide proper disclosure regarding disputed debts. \nXXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) * The court ruled that creditors and furnishers must fully investigate disputes and correct errors or face statutory damages under the FCRA. \n\nDemands & Settlement Offer 1. First Request : IMMEDIATE REMOVAL of this account from my credit reports. Second Request : Settlement of {$9000.00} for damages caused by : * Inaccurate credit reporting Unfair credit practices Emotional and financial distress Violations of my rights under FCRA, FDCPA, and TILA To resolve this matter amicably, I am offering you the opportunity to settle this dispute by sending me a check in the amount of {$9000.00} within the indicated timeframe. \n\nArbitration Fees & Costs Should you fail to comply, I will initiate arbitration, which will result in significant financial liability for your company. Below is an itemized breakdown of costs associated with filing arbitration : | Expense | Cost : | Arbitration Filing Fee | {$3500.00} | | Case Administration Fee | {$2500.00} | | Arbitrators Hourly Rate ( Minimum XXXX hours @ $ XXXX ) | {$20000.00} | | Additional Arbitrator Fees ( Post-Hearing, Documentation ) | {$3000.00} | | Expert Witness Fees | {$5000.00} | | Attorney Fees ( Estimated XXXX hours @ $ XXXX ) | {$12000.00} | | Travel & Lodging for Hearings | {$2500.00} | | Emotional & Financial Distress Damages | {$5000.00} | | Punitive Damages for Violations of Federal Law | {$10000.00} | | Additional Civil Penalties | {$5000.00} | | Total Estimated Cost to You | $ XXXX | By cooperating with this one-time settlement offer, you can avoid the costly arbitration process. \n\nFinal Warning Failure to comply within the given timeframe will result in immediate legal action, including formal arbitration and claims for damages. \nI expect your prompt attention and full compliance to resolve this matter without further escalation. \n\nSincerely, Without Prejudice, UCC 1-308n All Rights Reserved","date_sent_to_company":"2025-02-05T01:06:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"11922709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-02-05T01:01:47.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Details of investigation : What evidence did your <em>representative</em> uncover that led them to conclude this account is being reported accurately and lawfully? \n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of <em>Social</em> <em>Security</em> Number d. Position e. Length of Employment Verification Costs : a."]},"sort":[11.976901,"11922709"]},{"_index":"complaint-public-v1","_id":"11922369","_score":11.4046135,"_source":{"product":"Debt collection","complaint_what_happened":"Final Notice of Dispute, Billing Error, Cease & Desist, Investigation Verification, Demand for Remedy, and Settlement Offer NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT\\nWITHOUT PREJUDICE UCC 1-308 , ALL RIGHTS RESERVED To Whom It May Concern, I am a natural person and not my ens legis for alleged debt, I will agree to pay this alleged debt if a proper, formal, and complete investigation was conducted before crediting this alleged debt. I am deeply concerned about the validity, integrity, and accuracy of the information being reported.\n\nDetails of investigation : What evidence did your representative uncover that led them to conclude this account is being reported accurately and lawfully?\n\n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of Social Security Number d. Position e. Length of Employment Verification Costs : a. What training is provided for accurately reporting and or verifying such information to be correct on consumer credit reports? b. What were the costs incurred by your company to obtain the documentation necessary for this investigation? - please provide the accounting details Communication with Data Furnisher : Did your representative directly communicate with the party reporting this information? If no, Who gave authorization to report such information without proper investigation, consent, document\nation, and verification?\n\nProvide verifiable details about the employee ( s ) involved in this authorization : a. Full Name b. Date of\n\nBirth c. Last 4 of Social Security Number d. Position e. Length of Employment If yes, a. Who was contacted? b. What was their role? c. When was the contact made? d. What was the nature and duration of the call? e. Please provide a transcript documenting this interaction Investigation Communication : a. Provide a complete copy of all information transmitted to the data furnisher as apart of the investigation Verifiable Documentation : By saying you have already completed an investigation you are agreein\ng in fact you have conducted a reasonable investigation of the account in question.\n\na. Provide the Commencement of Delinquency b. Provide the date of Commencement of Delinquency c. Provide specific dates reporting that items will cease immediately d. Enclosed this with your response to the investigation e. A notarized affidavit of fact confirming the information provided is true and correctly as per my civil rights granted under several federal laws.\n\nThis information should not come as a form letter response, my initial dispute was detailed and directly related to the account in question, a template response WILL NOT be an acceptable response.\n\nIf you can not supply ALL the above information in a timely manner as detailed in several laws in this letter, Included but not limited to the fair credit reporting act, I must IMMEDIATELY DEMAND the PERMANENT REMOVAL of this account. \n\n\nCongressional Findings & Legal Framework Fair Credit Reporting Act ( FCRA ) Violations Congress has explicitly found that inaccurate or unverifiable credit reporting causes serious harm to consumers. Under 15 U.S.C. 1681 ( a ), the purpose of the FCRA is to ensure fair and accurate credit reporting, requiring consumer reporting agencies to adopt reasonable procedures for maximum possible accuracy. Reporting inaccurate, outdated, or unverifiable information violates federal law and is subject to civil penalties under 15 U.S.C. 1681n and 1681o.\n\nAdditionally, under 15 U.S.C. 1681i, if a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation within 30 days and remove any information that can not be verified. \nTruth in Lending Act ( TILA ) & Unfair Credit Practices Pursuant to 15 U.S.C. 1601, the TILA is designed to protect consumers from predatory lending practices. The lack of proper disclosure of the alleged debt constitutes a violation under 15 U.S.C. 1605. Furthermore, under 15 U.S.C. 1643, a cardholder is not liable for unauthorized or unverified charges if the creditor fails to prove liability with documented evidence.\n\nFair Debt Collection Practices Act ( FDCPA ) Violations Per 15 U.S.C. 1692e, it is unlawful for any debt collector to use false, deceptive, or misleading representations regarding a consumer debt. If you continue to attempt collection without verifiable proof, you will be in violation of federal law and liable under 15 U.S.C. 1692k for statutory and actual damages. \n\nPrecedent-Setting Case Law Studies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * The court ruled that consumer reporting agencies must conduct a meaningful and thorough investigation when a dispute is raised. If a company fails to provide substantive evidence, the reported debt must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * The court found that failure to verify disputed credit information constitutes a reckless disregard for the FCRA, resulting in damages to the consumer. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * The creditor was held liable under XXXX for failing to provide proper disclosure regarding disputed debts. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court ruled that creditors and furnishers must fully investigate disputes and correct errors or face statutory damages under the FCRA. \nDemands & Settlement Offer 1. First Request : IMMEDIATE REMOVAL of this account from my credit reports. Second Request : Settlement of {$9000.00} for damages caused by : * Inaccurate credit reporting Unfair credit practices Emotional and financial distress Violations of my rights under FCRA, FDCPA, and TILA To resolve this matter amicably, I am offering you the opportunity to settle this dispute by sending me a check in the amount of {$9000.00} within the indicated timeframe. \n\nArbitration Fees & Costs Should you fail to comply, I will initiate arbitration, which will result in significant financial liability for your company. Below is an itemized breakdown of costs associated with filing arbitration : | Expense | Cost : | Arbitration Filing Fee | {$3500.00} | | Case Administration Fee | {$2500.00} | | Arbitrators Hourly Rate ( Minimum 40 hours @ $ XXXX ) | {$20000.00} | | Additional Arbitrator Fees ( Post-Hearing, Documentation ) | {$3000.00} | | Expert Witness Fees | {$5000.00} | | Attorney Fees ( Estimated 20 hours @ $ XXXX ) | {$12000.00} | | Travel & Lodging for Hearings | {$2500.00} | | Emotional & Financial Distress Damages | {$5000.00} | | Punitive Damages for Violations of Federal Law | {$10000.00} | | Additional Civil Penalties | {$5000.00} | | Total Estimated Cost to You | $ XXXX | By cooperating with this one-time settlement offer, you can avoid the costly arbitration process. \n\nFinal Warning Failure to comply within the given timeframe will result in immediate legal action, including formal arbitration and claims for damages.\n\nI expect your prompt attention and full compliance to resolve this matter without further escalation.\n\nSincerely, Without Prejudice, UCC 1-308n All Rights Reserved","date_sent_to_company":"2025-02-05T00:45:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"11922369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Clark County Collection Service","date_received":"2025-02-05T00:03:35.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Details of investigation : What evidence did your <em>representative</em> uncover that led them to conclude this account is being reported accurately and lawfully?\n\n\nEmployee Competency : Provide verifiable details about the employee ( s ) involved in this investigation : a. Full Name b. Date of Birth c. Last 4 of <em>Social</em> <em>Security</em> Number d. Position e. Length of Employment Verification Costs : a."]},"sort":[11.4046135,"11922369"]},{"_index":"complaint-public-v1","_id":"9983936","_score":8.071483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I want to bring an action against Freedom Mortgage Corporation under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5564 ( a ), and the Home Mortgage Disclosure Act ( HMDA ), 12 U.S.C. 2804 ( b ) ( 1 ) ( B ), ( d ), and its implementing regulation, Regulation C, 12 C.F.R. 1003, and alleges as follows : Please provide the following : 1. Original, non-photocopied agreement granting the authority to collect on the alleged debt, signed by all parties and agents/representatives.\n\n2. Certified copy of the executed Mortgage Loan Purchase Agreement.\n\n3. Certified copy of the executed Custodial Agreement ( the Mortgage Loan Documents ).\n\n4. Certified copy of the Mortgage File, including the mortgagee policy of title insurance and any Mortgage Loan Documents delivered to the Trustee or Custodian, along with documents returned from the recording office. \nXXXX. Copy of the Acceptance of XXXX I by XXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX Interest, and the Regular Certificates beneficial ownership interest in XXXX XXXX XXXX \nXXXX. Proof of compliance with Section 860 of the Internal Revenue Code. \nXXXX. Declaration that the original Promissory Note has not been converted into a stock as a permanent fixture, is not a stock, and is exempt under the rules and regulations of the SEC. \nXXXX. Proof that the note was not converted into a stock or stock equivalent. \nXXXX. Declaration that the original deed of trust was transferred concurrently with the legal transfer of the note. \nXXXX. Any insurance claims made by any creditor regarding this account. \nXXXX. Any judgments obtained by any creditor regarding this account. \nXXXX. Name and address of alleged creditor. \nXXXX XXXX XXXX, XXXX as I am The True Creditor Not Debtor XXXX. Name on file of alleged debtor. \nXXXX. Alleged account number. \nXXXX. Address on file for alleged debtor. \nXXXX. Amount of alleged debt. \nXXXX. Date this alleged debt became payable. \nXXXX. Date of original charge off or delinquency. \nXXXX. Verification that this debt was assigned or sold to Freedom Mortgage Corporation. \nXXXX. Produce a Complete accounting of alleged debt. Public and Private side of the Ledger. \nXXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.1 1b ( 6 ) ). \nXXXX. Provide Documented Evidence from Your Sec Filings That The Financial Asset Isnt being Sold On the Secondary Market. \nXXXX. Provide Documented Evidence that this obligation didnt become an obligation of your Indentured Trustee. \nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute. \nXXXX. Please provide evidence to the contrary pursuant to TITLE XXXX of the United States Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and National Banking Associations. \nXXXX. Please provide proof and the legal authority that gives you the right or standing to claim that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly. \nXXXX. I require you to file the 1099A & 1099C. For Remedy of this matter.\n\n28. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary. 29.18 USC 242 and 42 USC 1983 provide that : Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States, shall be fined under this title or imprisoned not more than one year, or both, 42 USC 1983 further provides that a violator shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress. Please Provide Your Exemption Status to the Constitution that allows you to act under color of law, and deprive I the Beneficiary of the Constitutional Trust and Beneficiary of the Trust/Surety XXXX XXXX XXXX of my rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States XXXX \nXXXX. Please Provide Documented Evidence That You Have Destroyed the previously Presented Tender I XXXX XXXX XXXX, Beneficiary Presented for Set-off. \nXXXX. Please Provide the Accounting That Shows That You issued a Loan from Your Banks Capital. From both Sides of the Ledger. \nXXXX. FREEDOM MORTGAGE CORPORATION and its corporate officers and agents, et al are the Trustee/Fiduciary in this Trust action and Fiduciary Relationship. Please Provide Documented Evidence That You are Not Trustees with a fiduciary duty to do Whats Beneficial Towards the Trust only. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION did not sell my note in order to securitize it, in violation of 15 USC 78c Section 10. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION did not use XXXX : XXXX 's signature to access XXXX XXXX XXXX CESTI QUE TRUST account, for the funds acquired to be loaned to XXXX XXXX XXXX, Beneficiary and FREEDOM MORTGAGE CORPORATION did not become the intermediary and fiduciaries for the Principal and Beneficiary XXXX XXXX XXXX XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX Show evidence proof that FREEDOM MORTGAGE CORPORATION did not fail as Trustees for XXXX XXXX XXXX QUE TRUST as indicated via XXXX : XXXX 's Social Security number which was obtained by your company. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION can prove there is lawful money for Americans to repay a debt. \nXXXX. FREEDOM MORTGAGE CORPORATION shows proof of XXXX XXXX XXXX giving FREEDOM MORTGAGE CORPORATION permission to be Beneficiary over XXXX : XXXX, XXXX CESTI QUE TRUST Account. \n\nXXXX. FREEDOM MORTGAGE CORPORATION has fully followed the law of Regulation Z as enforced by the FTC. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION will NOT be damaged by non ( re ) payment of the alleged loan to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION has not taken out insurance in the event of non ( re ) payment of alleged loan where FREEDOM MORTGAGE CORPORATION would be 100 % compensated in case of a non ( re ) payment of alleged loan. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION can prove that repossession is constitutional. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION can prove that lending bank money is lawful. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION proves that lending investors money is lawful. \nXXXX. The following requests are made : XXXX. Provide evidence that FREEDOM MORTGAGE CORPORATION can prove that XXXX XXXX XXXX 's signature did not create the funds. \n\nXXXX. Provide evidence that FREEDOM MORTGAGE CORPORATION and the Dealer acted in good faith and disclosed full details to XXXX XXXX XXXX at the time of signing the note. As an Assignee of the Note, they are subject to act in good faith and disclose all material information in this fiduciary relationship. \n\nXXXX. I demand to see the original securities signed by me with the trust business entities \" STATE OF FLORIDA '' and/or XXXX XXXX XXXXXXXX and/or \" XXXX XXXX XXXXXXXX '' and/or \" XXXX OF FLORIDA DEPARTMENT OF SAFETY AND HOMELAND SECURITY , '' wherein the language is written that I was relinquishing my lawful status as a human and/or as the human beneficiary of the XXXX XXXX XXXX XXXX and thereby becoming the Trustee of said trust. \nXXXX. Additionally, I need to see if the original securities have, indeed, been filed with the DTC as securities to support whether or not your business net worth has increased through your use of my credit and the Trusts-credit ; XXXX. The documentation you present is confusing in as much as you relate the alleged defendant to be the Trust XXXX XXXX XXXX, and not the beneficiary of said trust ; therefore, I need written clarification as to precisely who or what was intended as the contractors, and if different than what is written why have you not addressed XXXX points as Fiduciary Agents With a duty to act in Good faith with the best interests of the beneficiary. \nXXXX. For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the Social Security Administration as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust. \nXXXX. Additionally, I can not understand what is intended as what the alleged real parties in interest are, therefore, evidence of who or what is intended as the real parties in interest. \nXXXX. Show evidence proof that to support that you were not creating an action against the Trust which you could not possibly have committed the action so charged because it is a fiction of law ; Evidence that you, the Accused, did not fraudulently collect from both me and the XXXX XXXX XXXX XXXX. \nand that you are not attempting to collect from me and the XXXX XXXX XXXX XXXX. \nXXXX. Show evidence proof that you, or your officers, agents, brokers and/or intermediaries have not collected a considerable amount of monies from the Trust SDT through merchant Trustees FREEDOM MORTGAGE CORPORATION having fraudulently created three ( 3 ) plus bonds on the case ; XXXX. Explain why neither I nor the XXXX XXXX XXXX XXXX was paid the royalties from these bonds created by XXXX FREEDOM MORTGAGE CORPORATION. As a Fiduciary in this Relationship that is a Breach of Fiduciary Duties Justifying that You are Compensating Yourselves which is a conflict of Interest. \nXXXX. Show evidence proof that Official verification as to precisely what is to be used as payment ; XXXX. As the Trustees, which you volunteered to be the Trustees/Fiduciary, send me a full accounting of all activity in the XXXX XXXX XXXX XXXX from its inception public and private so that I XXXX have this for my records. \nXXXX. Please provide evidence that as a Financial Institution registered in XXXX XXXX and/or specifically in the STATE OF FLORIDA, you are not bound by the FLORIDA statutes and the Uniform Commercial Code. \nXXXX. Please provide evidence that the Uniform Commercial Code ( UCC ) is not a comprehensive set of laws governing all commercial contracts in the United States. \nXXXX. Please provide evidence of your institution 's exemption status to Article XXXX of the XXXX XXXX XXXX that covers commercial paper such as drafts, promissory notes, and Checks, are not acceptable as a means to satisfy and or discharge financial obligations. \nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods. \nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute. \nXXXX. Please provide evidence to the contrary pursuant to TITLE XXXX of the United Code XXXX AND XXXX, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and National Banking Associations. \nXXXX. Please provide proof that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly. \nXXXX. I require you to file the 1099A & 1099C. AFTER REMEDY OF THIS MATTER. \nXXXX. Show cause why you should not be charged with XXXX and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary 64. Provide the Lien UCC1 filed with the States Attorney Validating Your Claim. Not a Copy of The Title Showing FREEDOM MORTGAGE CORPORATION. But a Valid UCC1 filed With the States Attorney General and or Florida Secretary of State under Seal. \nPlease provide the name and address of the bonding agent for FREEDOM MORTGAGE CORPORATION in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX, XXXX. \nEvery taxpayer is a cestui que trust having a sufficient interest in preventing abuse of the trust to be recognized in the field of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action In re XXXX XXXX XXXX. XXXX XXXX ( XXXX ) supreme Court Wisconsin FREEDOM MORTGAGE CORPORATION, CEO, AND CFO HAVE 30 DAYS TO RESPOND AND REBUT ITEM BY ITEM VIA SWORN TESTIMONY UNDER PENALTY OF PERJURY IN AFFIDAVIT FORM. FAILURE TO RESPOND AFTER RECEIPT OF THIS AFFIDAVIT IS AGREEING TO THIS AFFIDAVIT BY MAXIMS OF LAW. IN FAILURE TO RESPOND WILL CONSTITUTE AQUIESCENCE, THEREFORE, I WILL CONSIDER THIS ACCOUNT BROUGHT TO XXXX, AND THE ACCOUNT IN SATISFACTORY STATUS. \nI hereby serve you with the foregoing facts and charges. If the you does not respond to the facts and charges herein enumerated and articulated with the facts and law supporting in denial and or objection within ( XXXX ) days, all facts and charges are thereby acquiesced to by you. \nFailure to object timely means you waive the objection. You, The Trustees and your principals, therefore, hold responsibility for these actions you executed for the Trust corporations along with the Trusts involved. This Conditional Acceptance gives witness to your crimes and actions. A Public official is a fiduciary toward the public, including in the case of a judge, the litigants who appear before him and if he deliberately conceals material information from them he is guilty of fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Public officials are also trustee [ XXXX ] and servant [ XXXX ] of the people, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX ( XXXX ). Public office is a public trust or agency for the benefit of the people to be administered under legislative control in the interest of the people. State XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Supreme Court of Montana ( XXXX ). \nSince logic and common-sense dictate that you would not have committed these acts without already having this information supra readily available, I hereby hold FREEDOM MORTGAGE CORPORATION in violation of Constitutional Law, the Common Law and the abrogation of the Common Law known as statutes, see Title 18 United States Code [ hereinafter 18 USC ] USC 1341 and 18 USC XXXX XXXX Criminal fraud ; Conspiracy to commit fraud ; Commercial misconduct ; Malicious Practices ; Malfeasance of office ; Conspiracy against my Rights ; see Title 18 USC 241 ; Deprivation of Rights under color of Law, 242 ; Falsifying legal documents, 1001 ; Double Dipping, and other crimes specified and supported herein as well as mail fraud. Fraud vitiates all contracts.\n\nCertificate of Service and Interested Parties However, your claim is conditionally accepted by XXXX XXXX XXXX, XXXX as the man and the beneficiary, if it was/is intended to relate to me, with the following conditions : If, on the other hand, you, the Trustees, and your principals, can not satisfy these conditions in the time allotted, allowing for a reasonable extension if requested must be in writing stating the specific time needed, and the reason why. Amongst other facts addressed in this Conditional Acceptance of your Offer to me XXXX XXXX XXXX, XXXX, the Trustees and your principals, willfully, knowingly, and maliciously were seeking to commit fraud against me XXXX XXXX XXXX XXXX and deprive me XXXX XXXX XXXXXXXX of my rights and property both against XXXX XXXX XXXXXXXX and XXXX Social Security XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, you hereby contract to the following : XXXX. For any injuries to me XXXX XXXX XXXX, XXXX the Trustees and their principals are indebted to me XXXX : XXXX XXXX XXXX for XXXX XXXX XXXX and no cents ( {$200000.00} ) Dollars jointly or severally in the money of account of the United States of America , Article I , Section 10 [ 1 ], wherein it states, 2. No State shallmake anything but gold and silver Coin a Tender in Payment of Debts. If you have no gold and silver Coin then I will receive without prejudice Federal Reserve- Notes, a Bank-draft XXXX or the like in lieu of the gold and silver Coin for the sum total. \nXXXX. Furthermore, witnessed through this Conditional Acceptance you willfully and knowingly injured me, so I have the authority to create a Claim of Lien against you each and file a financing statement against you each supporting my lien as I deem necessary to protect me, my property and my rights if needed at any time. Additionally, to facilitate my rights under this Conditional Acceptance and Security Agreement you agree that I have your Power of Authority/Attorney to file anything to bring about the payment of this debt and protect me, my property, and my rights and that you have no right of action or recourse in any action at law, action in equity or Admiralty or any other law herein written or implied against me or my filings. Additionally, you agree that you grant your Power of Authority/Attorney to me XXXX : XXXX XXXX Beneficiary so that I am able to collect the damages through a lien, UCC-1, UCC-3, Treasury forms 1040-V, 1096 and 1099-A and 1099-OID. \nXXXX. Additionally, you agree that every year an additional set of liens can be filed with the Treasury if such injury to me persists on a yearly basis. It is understood that even though a Treasury Form 1040 is for a Tax Class 2 and the 1099- A and 1099-OID are a Tax Class 5, I do not know any other way of filing this debt for collection other than to use these forms, so I use them without prejudice. \nThe ability to place a lien upon a ( wo ) mans property, such as to temporarily deprive him ( her ) of its beneficial use, without any judicial determination of probable cause dates back not only to XXXX XXXXXXXX but also to XXXX times. United States Supreme Court, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. \nI, XXXX XXXX XXXX, XXXX do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Conditional Acceptance, is true, accurate and correct to the best of my knowledge, information and belief and conveys the conditions set forth under this Conditional Acceptance as intended by me the man and by me the human Principal/Beneficiary to and human beneficiary of the Social Security Cestui que XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI do in good faith expect you to handle these matters with ordinary care to address all subject matter.","date_sent_to_company":"2024-08-30T02:22:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34786","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9983936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2024-08-30T01:55:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the <em>Social</em> <em>Security</em> <em>Administration</em> as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust. \nXXXX."]},"sort":[8.071483,"9983936"]},{"_index":"complaint-public-v1","_id":"9983638","_score":7.870616,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I want to bring an action against XXXXXXXX XXXX XXXXXXXX under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5564 ( a ), and the Home Mortgage Disclosure Act ( HMDA ), 12 U.S.C. 2804 ( b ) ( 1 ) ( B ), ( d ), and its implementing regulation, Regulation C, 12 C.F.R. 1003, and alleges as follows : Please provide the following : 1. Original, non-photocopied agreement granting the authority to collect on the alleged debt, signed by all parties and agents/representatives.\n\n2. Certified copy of the executed Mortgage Loan Purchase Agreement.\n\n3. Certified copy of the executed Custodial Agreement ( the Mortgage Loan Documents ).\n\n4. Certified copy of the Mortgage File, including the mortgagee policy of title insurance and any Mortgage Loan Documents delivered to the Trustee or Custodian, along with documents returned from the recording office. \n5. Copy of the Acceptance of XXXX I by Trustee Conveyance of XXXX I, The Class XXXX Interest, and the Regular Certificates beneficial ownership interest in XXXX XXXX XXXX \n6. Proof of compliance with Section 860 of the Internal Revenue Code.\n\n7. Declaration that the original Promissory Note has not been converted into a stock as a permanent fixture, is not a stock, and is exempt under the rules and regulations of the SEC.\n\n8. Proof that the note was not converted into a stock or stock equivalent.\n\n9. Declaration that the original deed of trust was transferred concurrently with the legal transfer of the note.\n\n10. Any insurance claims made by any creditor regarding this account.\n\n11. Any judgments obtained by any creditor regarding this account.\n\n12. Name and address of alleged creditor. \nXXXX XXXX XXXX, XXXX as I am The True Creditor Not Debtor XXXX. Name on file of alleged debtor. \n14. Alleged account number.\n\n15. Address on file for alleged debtor.\n\n16. Amount of alleged debt.\n\n17. Date this alleged debt became payable.\n\n18. Date of original charge off or delinquency.\n\n19. Verification that this debt was assigned or sold to XXXX XXXX  XXXX. \n20. Produce a Complete accounting of alleged debt. Public and Private side of the Ledger.\n\n21. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.1 1b ( 6 ) ).\n\n22. Provide Documented Evidence from Your Sec Filings That The Financial Asset Isnt being Sold On the Secondary Market.\n\n23. Provide Documented Evidence that this obligation didnt become an obligation of your Indentured Trustee.\n\n24. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.\n\n25. Please provide evidence to the contrary pursuant to TITLE 31 of the United States Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and XXXX XXXX  XXXX. \nXXXX6. Please provide proof and the legal authority that gives you the right or standing to claim that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly.\n\n27. I require you to file the 1099A & 1099C. For Remedy of this matter.\n\n28. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary. 29.18 USC 242 and 42 USC 1983 provide that : Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States, shall be fined under this title or imprisoned not more than one year, or both, 42 USC 1983 further provides that a violator shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress. Please Provide Your Exemption Status to the Constitution that allows you to act under color of law, and deprive I the Beneficiary of the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States .\n\n29. Please Provide Documented Evidence That You Have Destroyed the previously Presented Tender I XXXX XXXX XXXX, XXXX Presented for Set-off. \n30. Please Provide the Accounting That Shows That You issued a Loan from Your Banks Capital. From both Sides of the XXXX. \n31. XXXX XXXX  XXXX and its corporate officers and agents, et al are the Trustee/Fiduciary in this Trust action and Fiduciary Relationship. Please Provide Documented Evidence That You are Not Trustees with a fiduciary duty to do Whats Beneficial Towards the Trust only.\n\n32. Show evidence proof that XXXX XXXX XXXX  did not sell my note in order to securitize it, in violation of 15 USC 78c Section 10.\n\n33. Show evidence proof that XXXX XXXX XXXX did not use XXXX : XXXX 's signature to access XXXX XXXX XXXX CESTI QUE TRUST account, for the funds acquired to be loaned to XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX did not become the intermediary and fiduciaries for the Principal and Beneficiary Carlos-Manuel XXXX XXXX XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX Show evidence proof that XXXX XXXX XXXX did not fail as Trustees for XXXX XXXX XXXX QUE TRUST as indicated via XXXX : XXXX 's Social Security number which was obtained by your company. \n35. Show evidence proof that XXXX XXXX XXXX can prove there is lawful money for Americans to repay a debt. \n36. XXXX XXXX  XXXX shows proof of XXXX XXXX XXXX giving XXXX XXXX XXXX permission to be Beneficiary over XXXX : XXXX, XXXX CESTI QUE TRUST Account. \n\n37. XXXX XXXX  XXXX has fully followed the law of Regulation Z as enforced by the FTC. \n\n38. Show evidence proof that FREEDOM MORTGAGE CORPORATION will NOT be damaged by non ( re ) payment of the alleged loan to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. \n\n39. Show evidence proof that XXXX XXXX XXXX has not taken out insurance in the event of non ( re ) payment of alleged loan where XXXX XXXX XXXX  would be 100 % compensated in case of a non ( re ) payment of alleged loan. \n\n40. Show evidence proof that XXXX XXXX XXXX can prove that repossession is constitutional.\n\n41. Show evidence proof that XXXX XXXX XXXX  can prove that lending bank money is lawful.\n\n42. Show evidence proof that XXXX XXXX XXXX proves that lending investors money is lawful.\n\n43. The following requests are made : 44. Provide evidence that XXXX XXXX XXXX can prove that XXXX XXXX XXXX 's signature did not create the funds. \n\n45. Provide evidence that XXXX XXXX XXXX and the Dealer acted in good faith and disclosed full details to XXXX XXXX XXXX at the time of signing the note. As an Assignee of the Note, they are subject to act in good faith and disclose all material information in this fiduciary relationship. \n\n46. I demand to see the original securities signed by me with the trust business entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' wherein the language is written that I was relinquishing my lawful status as a human and/or as the human beneficiary of the XXXX XXXX XXXX XXXX and thereby becoming the XXXX XXXX XXXX XXXX. \n46. Additionally, I need to see if the original securities have, indeed, been filed with the DTC as securities to support whether or not your business net worth has increased through your use of my credit and the Trusts-credit ; 47. The documentation you present is confusing in as much as you relate the alleged defendant to be the Trust XXXX XXXX XXXX, and not the beneficiary of said trust ; therefore, I need written clarification as to precisely who or what was intended as the contractors, and if different than what is written why have you not addressed this/these points as Fiduciary Agents With a duty to act in Good faith with the best interests of the beneficiary.\n\n48. For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the Social Security Administration as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust.\n\n49. Additionally, I can not understand what is intended as what the alleged real parties in interest are, therefore, evidence of who or what is intended as the real parties in interest.\n\n50. Show evidence proof that to support that you were not creating an action against the Trust which you could not possibly have committed the action so charged because it is a fiction of law ; Evidence that you, the Accused, did not fraudulently collect from both me and the XXXX XXXX XXXX XXXX. \nand that you are not attempting to collect from me and the XXXX XXXX XXXX XXXX. \n51. Show evidence proof that you, or your officers, agents, brokers and/or intermediaries have not collected a considerable amount of monies from the XXXX  XXXX  through merchant Trustees XXXX XXXX XXXX having fraudulently created three ( 3 ) plus bonds on the case ; 52. Explain why neither I nor the Trust XXXX XXXX XXXX was paid the royalties from these bonds created by Trustees XXXX XXXX  XXXX. As a Fiduciary in this Relationship that is a Breach of Fiduciary Duties Justifying that You are Compensating Yourselves which is a conflict of Interest. \n53. Show evidence proof that Official verification as to precisely what is to be used as payment ; 54. As the Trustees, which you volunteered to be the Trustees/Fiduciary, send me a full accounting of all activity in the XXXX XXXX XXXX XXXX from its inception public and private so that I may have this for my records.\n\n55. Please provide evidence that as a Financial Institution registered in XXXX XXXX and/or specifically in the XXXX XXXX XXXX you are not bound by the XXXX  statutes and the Uniform Commercial Code. \n56. Please provide evidence that the Uniform Commercial Code ( UCC ) is not a comprehensive set of laws governing all commercial contracts in the United States.\n\n57. Please provide evidence of your institution 's exemption status to Article 3 of the Uniform Commercial Code that covers commercial paper such as drafts, promissory notes, and Checks, are not acceptable as a means to satisfy and or discharge financial obligations.\n\n58. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods. \n59. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.\n\n60. Please provide evidence to the contrary pursuant to TITLE 31 of the United Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and XXXX XXXX XXXX. \n61. Please provide proof that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly.\n\n62. I require you to file the 1099A & 1099C. AFTER REMEDY OF THIS MATTER.\n\n63. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary 64. Provide the Lien UCC1 filed with the States Attorney Validating Your Claim. Not a Copy of The Title Showing FREEDOM MORTGAGE CORPORATION. But a Valid UCC1 filed With the States Attorney General and or Florida Secretary of State under Seal.\n\nPlease provide the name and address of the bonding agent for XXXX XXXX  XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX, XXXX. \nEvery taxpayer is a cestui que trust having a sufficient interest in preventing abuse of the trust to be recognized in the field of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action In re XXXX XXXX XXXX. XXXX XXXX ( XXXX ) supreme Court Wisconsin XXXX XXXX  XXXX, XXXX, AND XXXX HAVE 30 DAYS TO RESPOND AND REBUT ITEM BY ITEM VIA SWORN TESTIMONY UNDER PENALTY OF PERJURY IN AFFIDAVIT FORM. FAILURE TO RESPOND AFTER RECEIPT OF THIS AFFIDAVIT IS AGREEING TO THIS AFFIDAVIT BY MAXIMS OF LAW. IN FAILURE TO RESPOND WILL CONSTITUTE AQUIESCENCE, THEREFORE, I WILL CONSIDER THIS ACCOUNT BROUGHT TO XXXX, AND THE ACCOUNT IN SATISFACTORY STATUS. \nI hereby serve you with the foregoing facts and charges. If the you does not respond to the facts and charges herein enumerated and articulated with the facts and law supporting in denial and or objection within ( 30 ) days, all facts and charges are thereby acquiesced to by you.\n\nFailure to object timely means you waive the objection. You, The Trustees and your principals, therefore, hold responsibility for these actions you executed for the Trust corporations along with the Trusts involved. This Conditional Acceptance gives witness to your crimes and actions. A Public official is a fiduciary toward the public, including in the case of a judge, the litigants who appear before him and if he deliberately conceals material information from them he is guilty of fraud, U.S. v Holzer 816 F. 2d 304, 307 ( 1987 ). Public officials are also trustee [ s ] and servant [ s ] of the people, Georgia Department v. Sistrunk 291 S.E. 2d 524, 526 ( 1982 ). Public office is a public trust or agency for the benefit of the people to be administered under legislative control in the interest of the people. State ex rel Nagle v. Sullivan 40 P. 2d 995, 997, Supreme Court of Montana ( 1935 ).\n\nSince logic and common-sense dictate that you would not have committed these acts without already having this information XXXX readily available, I hereby hold XXXX XXXX XXXXXXXX in violation of Constitutional Law, the Common Law and the abrogation of the Common Law known as statutes, see Title 18 United States Code [ hereinafter 18 USC ] USC 1341 and 18 USC Chapter47 ; Criminal fraud ; Conspiracy to commit fraud ; Commercial misconduct ; Malicious Practices ; Malfeasance of office ; Conspiracy against my Rights ; see Title 18 USC 241 ; Deprivation of Rights under color of Law, 242 ; Falsifying legal documents, 1001 ; Double Dipping, and other crimes specified and supported herein as well as mail fraud. Fraud vitiates all contracts.\n\nCertificate of Service and Interested Parties However, your claim is conditionally accepted by XXXX XXXX XXXX, XXXX as the man and the beneficiary, if it was/is intended to relate to me, with the following conditions : If, on the other hand, you, the Trustees, and your principals, can not satisfy these conditions in the time allotted, allowing for a reasonable extension if requested must be in writing stating the specific time needed, and the reason why. Amongst other facts addressed in this Conditional Acceptance of your Offer to me XXXX XXXX XXXX, XXXX, the Trustees and your principals, willfully, knowingly, and maliciously were seeking to commit fraud against me XXXX XXXX XXXX XXXX and deprive XXXX Carlos-Manuel : XXXX XXXX XXXX XXXX and XXXX both against Carlos-Manuel : XXXX and XXXX Social Security XXXX Que XXXX XXXX XXXX XXXX, you hereby contract XXXX XXXX XXXX : XXXX. For any injuries to me XXXX XXXX XXXX, XXXX the Trustees and their principals are indebted to me XXXX : XXXX XXXX XXXX for XXXX XXXX XXXX and no cents ( {$200000.00} ) Dollars jointly or severally in the money of account of the United States of America XXXX XXXX XXXX XXXX Section XXXX [ XXXX ], wherein it states, XXXX. No State shallmake anything but gold and silver XXXX a XXXX in XXXX of Debts. If you have no gold and silver Coin then I will receive without XXXX XXXX XXXX Notes, a Bank-draft XXXX or the like in lieu of the gold and silver Coin for the sum total. \nXXXX. Furthermore, witnessed through this Conditional XXXX you willfully and knowingly injured me, so I have the authority to create a Claim of XXXX against you each and file a financing statement against you each supporting my XXXX as I deem necessary to protect me, my property and my rights if needed at any time. Additionally, to facilitate my rights under this Conditional Acceptance and Security Agreement you agree that I have your XXXX XXXX XXXX to file anything to bring about the payment of this debt and protect me, my property, and my rights and that you have no right of action or recourse in any action at law, action in equity or Admiralty or any other law herein written or implied against me or my filings. Additionally, you agree that you XXXX your XXXX XXXX XXXX to me XXXX : XXXX XXXX XXXX so XXXX I am able to collect the damages through a XXXX, XXXX, XXXX, Treasury forms XXXX, XXXX and XXXX and XXXX. \nXXXX. Additionally, you agree that every year an additional set of liens can be filed with the Treasury if such injury to me persists on a yearly basis. It is understood that even though a Treasury Form XXXX is for a Tax Class XXXX and the XXXX A and XXXX are a Tax Class XXXX, I do not know any other way of filing this debt for collection other than to use these forms, so I use them without prejudice. \nThe ability to place a lien upon a ( wo ) mans property, such as to temporarily deprive him ( her ) of its beneficial use, without any judicial determination of probable cause dates back not only to medieval XXXX but also to XXXX times. United States Supreme Court, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. \nI, XXXX XXXX XXXX, XXXX do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Conditional Acceptance, is true, accurate and correct to the best of my knowledge, information and belief and conveys the conditions set forth under this Conditional Acceptance as intended by me the man and by me the human Principal/Beneficiary to and human beneficiary of the Social Security Cestui que XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI do in good faith expect you to handle these matters with ordinary care to address all subject matter.","date_sent_to_company":"2024-08-30T02:23:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34786","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9983638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-30T02:23:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the <em>Social</em> <em>Security</em> <em>Administration</em> as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust.\n\n49."]},"sort":[7.870616,"9983638"]},{"_index":"complaint-public-v1","_id":"7451832","_score":7.2206626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS Publication 4681- A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. There is 100 % improper use of the credit report. EXPERIAN HAS 1000 % VIOLATED THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE FRAUD. I've spoken to a lawyer, and they told me that I COULD EASILY take THIS to court AND FINE XXXX to all XXXX credit reporting agencies. I DEMAND XXXX, XXXX, and EXPERIAN, CORRECT ALL OF THESE ACCOUNTS ON THE CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ACCOUNTS TO SHOW AS PAID AS AGREED WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE INACCURACIES DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE CORRECTION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE UPDATED ON THE CREDIT REPORT ASAP. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result I also AM seeking monetary relief of {$1000.00} per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information. ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. ( XXXX ) Model forms ( XXXX ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be d eveloped by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). 6804- ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title. ( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7. ( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ]. ( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter. ( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of Sta te insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. 6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the F ederal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I look forward to a prompt and thorough investigation, followed by the appropriate actions to rectify the violations and update my credit file accordingly. These examples demonstrate a systematic pattern of noncompliance with the FCRA and consumer law by the credit bureaus. Their actions have caused significant harm to my credit profile, making it essential for immediate action to rectify the violations and update my credit file accordingly. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate measures to hold the credit bureaus accountable for their noncompliance with consumer protection laws. It is crucial to protect consumers ' rights and ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights under the FCRA. In addition if the concern is not resolved as requested, I will be filing a complaint with the Federal Trade Commission, the Securities Exchange Commission for securities fraud ( I am aware that XXXX, Experian, and XXXX  are committing securities fraud by selling my information on the secondary market as per all 3 Master Trust indication. ), and I will file a FOIA request regarding 1099s that have been submitted under my name, but not provided to me.","date_sent_to_company":"2023-08-25T01:22:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43204","tags":null,"has_narrative":true,"complaint_id":"7451832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-25T01:18:35.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["EXPERIAN HAS 1000 % <em>VIOLATED</em> THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, <em>social</em> <em>security</em> card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE."]},"sort":[7.2206626,"7451832"]},{"_index":"complaint-public-v1","_id":"7449403","_score":7.212968,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication 4681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS Publication 4681- A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. There is 100 % improper use of the credit report. XXXX HAS 1000 % VIOLATED THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the EQUIFAX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE FRAUD. I've spoken to a lawyer, and they told me that I COULD EASILY take THIS to court AND FINE XXXX to all 3 credit reporting agencies. I DEMAND XXXX, EQUIFAX, and XXXX, CORRECT ALL OF THESE ACCOUNTS ON THE CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ACCOUNTS TO SHOW AS PAID AS AGREED WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE INACCURACIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE CORRECTION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE UPDATED ON THE CREDIT REPORT ASAP. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result I also AM seeking monetary relief of {$1000.00} per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information. ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the XXXX XXXX, the Virgin Islands, or the XXXX XXXX XXXX. ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be d eveloped by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). 6804- ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title. ( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7. ( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ]. ( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter. ( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of Sta te insurance authorities designated by the XXXX XXXX XXXX XXXX XXXX, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. 6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the F ederal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I look forward to a prompt and thorough investigation, followed by the appropriate actions to rectify the violations and update my credit file accordingly. These examples demonstrate a systematic pattern of noncompliance with the FCRA and consumer law by the credit bureaus. Their actions have caused significant harm to my credit profile, making it essential for immediate action to rectify the violations and update my credit file accordingly. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate measures to hold the credit bureaus accountable for their noncompliance with consumer protection laws. It is crucial to protect consumers ' rights and ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights under the FCRA. \n\nIn addition if the concern is not resolved as requested, I will be filing a complaint with the Federal Trade Commission, the Securities Exchange Commission for securities fraud ( I am aware that Equifax, XXXX, and XXXX are committing securities fraud by selling my information on the secondary market as per all 3 Master Trust indication. ), and I will file a FOIA request regarding 1099s that have been submitted under my name, but not provided to me.","date_sent_to_company":"2023-08-24T05:12:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43204","tags":null,"has_narrative":true,"complaint_id":"7449403","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-24T04:10:49.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX HAS 1000 % <em>VIOLATED</em> THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, <em>social</em> <em>security</em> card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE."]},"sort":[7.212968,"7449403"]},{"_index":"complaint-public-v1","_id":"7520483","_score":6.4239273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This company did not honor my request to opt of out the reporting of the accounts stated in the attached dispute letter per the privacy act of 1974. Other consumer reporting agencies have honored my request to remove this information. They have broken the following federal laws. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section XXXX of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( XXXX ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained","date_sent_to_company":"2023-09-08T18:14:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"7520483","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-08T17:55:15.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[6.4239273,"7520483"]},{"_index":"complaint-public-v1","_id":"7620688","_score":5.71055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LexisNexis continues to report inaccurate information on my consumer report. LexisNexis stated that they verified my bankruptcy through records with an address that is NOT mine. I called the bankruptcy court and they stated they DO NOT give out any court records unless it is to the attorney or parties to the case as it is a violation of privacy. LexisNexis is not an attorney or a party in this bankruptcy case and do not have my consent to report this alleged bankruptcy.Who did LexisNexis speak with to validate this alleged bankruptcy turn over the records so I may inspect them.\n\n15 U.S. Code 1681r - Unauthorized disclosures by officers or employees Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both. \n( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. \n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. \n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.\n\n( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\n( 2 ) Effective date Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after September 30, 1996.\n\n( d ) Information required to be disclosed ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.\n\n( 2 ) Key factor in credit score information Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities. \n\n( XXXX ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. \n\n( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.\n\n( g ) Truncation of credit card and debit card numbers ( 1 ) In general Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.\n\n( 2 ) Limitation This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card. \n\n( 3 ) Effective date This subsection shall become effective ( A ) 3 years after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is in use before January 1, 2005 ; and ( B ) 1 year after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is first put into use on or after January 1, 2005.\n\n( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy.\n\n( 2 ) Regulations ( A ) Regulations required The Bureau shall,, [ 2 ] in consultation with the Federal banking agencies, the National Credit Union Administration, and the Federal Trade Commission,, [ 2 ] prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. \n5 U.S. Code 552a - Records maintained on individuals U.S. Code Notes prev | next ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subse\nctions ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo. \n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action. \n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court. \n( 5 ) An action to enforce any liability created under this secti","date_sent_to_company":"2023-10-03T01:56:31.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7620688","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-10-03T01:48:17.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[", personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for <em>security</em> clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the <em>Social</em> <em>Security</em> Act ( 42 U.S.C. 402"]},"sort":[5.71055,"7620688"]},{"_index":"complaint-public-v1","_id":"7527552","_score":5.661771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974 and 15 USC 1681b, they denied me my consumer right. Because of this, they have caused me damages and have additionally broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages","date_sent_to_company":"2023-09-10T22:41:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"7527552","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-10T22:41:36.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[5.661771,"7527552"]},{"_index":"complaint-public-v1","_id":"7522044","_score":5.661771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974, they denied me my right. Because of this, they have broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure","date_sent_to_company":"2023-09-09T00:46:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"187XX","tags":null,"has_narrative":true,"complaint_id":"7522044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-09T00:30:17.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[5.661771,"7522044"]},{"_index":"complaint-public-v1","_id":"7521743","_score":5.661771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they did not provide. Additionally I requested that they removed that information and it was denied. XXXX honored my request and respected my right to privacy per privacy act of 1974 however Experian and XXXX did not. They have broken the following federal laws. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. \n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.","date_sent_to_company":"2023-09-08T23:04:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"18702","tags":null,"has_narrative":true,"complaint_id":"7521743","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-08T23:03:56.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[5.661771,"7521743"]},{"_index":"complaint-public-v1","_id":"7508435","_score":5.661771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they have not provided it. Instead they decided to keep reporting this information against my authorization. The following laws were broken by these agencies ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.","date_sent_to_company":"2023-09-07T01:42:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"18201","tags":null,"has_narrative":true,"complaint_id":"7508435","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-07T01:42:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[5.661771,"7508435"]},{"_index":"complaint-public-v1","_id":"7497818","_score":5.661771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they \" verified it ''. Additionally I requested that they removed that information and it was denied. They have broken the following federal laws. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. \n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result","date_sent_to_company":"2023-09-05T01:12:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18201","tags":null,"has_narrative":true,"complaint_id":"7497818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-05T00:56:44.000Z","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":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[5.661771,"7497818"]},{"_index":"complaint-public-v1","_id":"7527761","_score":5.657091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974 and 15 USC 1681b, they denied me my consumer right. Because of this, they have caused me damages and have additionally broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages","date_sent_to_company":"2023-09-10T21:35:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"187XX","tags":null,"has_narrative":true,"complaint_id":"7527761","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-10T21:34:55.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid <em>violations</em> of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title."]},"sort":[5.657091,"7527761"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":45,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":45}]}},"product":{"doc_count":45,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":30},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Telecommunications debt","doc_count":3},{"key":"Credit card debt","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":45,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":24},{"key":"Problem with personal statement of dispute","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":5}]}},{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4}]}},{"key":"Other features, terms, or problems","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":2}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":1}]}}]}},"timely":{"doc_count":45,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":45}]}},"company_response":{"doc_count":45,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":23},{"key":"Closed with explanation","doc_count":22}]}},"submitted_via":{"doc_count":45,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":45}]}},"company":{"doc_count":45,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":10},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":9},{"key":"EQUIFAX, INC.","doc_count":8},{"key":"LEXISNEXIS","doc_count":5},{"key":"AMERICAN EXPRESS COMPANY","doc_count":2},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CL Holdings LLC","doc_count":1},{"key":"Clark County Collection Service","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1}]}},"state":{"doc_count":45,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"PA","doc_count":17},{"key":"IL","doc_count":6},{"key":"NV","doc_count":6},{"key":"FL","doc_count":4},{"key":"GA","doc_count":3},{"key":"NJ","doc_count":3},{"key":"OH","doc_count":2},{"key":"AZ","doc_count":1},{"key":"HI","doc_count":1},{"key":"NC","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":45,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":22},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":3}]}},"tags":{"doc_count":45,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":2},{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[5.657689,"7527761"]}}}