{"took":400,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":43,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6713232","_score":24.432959,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Improper use of your report ( shared without consent, credit inquiries from unknown sources ). \nReporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ). \nCredit reporting, credit repair services, or other personal consumer reports. \nCredit reporting","date_sent_to_company":"2023-04-18T23:08:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33069","tags":null,"has_narrative":true,"complaint_id":"6713232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-17T13:09:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Improper use of your report ( shared without consent, credit inquiries from unknown sources ). \nReporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ). \nCredit reporting, credit repair services, or other personal consumer reports. \nCredit reporting"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[24.432959,"6713232"]},{"_index":"complaint-public-v1","_id":"8663546","_score":22.575132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I reported to XXXX regarding an improper credit report. The case was closed, but after a few years, they reported it again, causing it to show up on my credit score. I am requesting assistance in deleting this report. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor","date_sent_to_company":"2024-04-01T03:48:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94703","tags":null,"has_narrative":true,"complaint_id":"8663546","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-01T03:26:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[22.575132,"8663546"]},{"_index":"complaint-public-v1","_id":"4734735","_score":21.489447,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX Residential Dispute was not properly investigated or handled. I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report","date_sent_to_company":"2021-09-20T07:07:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32563","tags":null,"has_narrative":true,"complaint_id":"4734735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-20T03:07:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"]},"sort":[21.489447,"4734735"]},{"_index":"complaint-public-v1","_id":"15233060","_score":17.933886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : Experian Information Solutions , Inc .\n\nIssue : Inaccurate dispute records and improper recordkeeping under the Fair Credit Reporting Act ( FCRA ).\n\nProduct : Credit reporting, credit repair services, or other personal consumer reports. \nOn XX/XX/year>2025, I obtained my Experian credit report showing the status of a disputed XXXX XXXX XXXX account. The dispute log for this account contains multiple entries labeled Invalid date instead of proper timestamps documenting dispute actions. \n\nThis is not an isolated problem I have other accounts with the same error in Experians system, indicating a systemic recordkeeping defect.\n\nThese Invalid date entries violate : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report.\n\nFCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation by not maintaining accurate dispute records, which are essential for verifying compliance with statutory requirements.\n\nThe inaccurate recordkeeping prevents me from verifying when dispute actions occurred and whether Experian met legal deadlines. This is critical to confirming whether the reinvestigation was lawful. \n\nAdditionally, the XXXX XXXX XXXX account continues to be reported as charged off and past due despite being under active dispute, which is misleading and harmful to my credit profile.","date_sent_to_company":"2025-08-12T18:52:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"15233060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-12T18:33:57.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Issue : Inaccurate dispute records and improper recordkeeping under the Fair Credit Reporting Act ( FCRA ).\n\nProduct : Credit reporting, credit repair services, or other personal consumer reports. \nOn XX/XX/year>2025, I obtained my Experian credit report showing the status of a disputed XXXX XXXX XXXX account. The dispute log for this account contains multiple entries labeled Invalid date instead of proper timestamps documenting dispute actions."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"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"]},"sort":[17.933886,"15233060"]},{"_index":"complaint-public-v1","_id":"2827843","_score":17.057987,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \n\nYOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.","date_sent_to_company":"2018-02-27T19:14:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02119","tags":null,"has_narrative":true,"complaint_id":"2827843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-27T19:14:04.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Credit inquiries on your report that you don't recognize"]},"sort":[17.057987,"2827843"]},{"_index":"complaint-public-v1","_id":"13447967","_score":16.155472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting Failure to Process In-School Deferment Application Company Name : XXXX Date of Incident : XX/XX/year> Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Incorrect information on your report Complaint : On XX/XX/year>, I submitted an In-School Deferment Application via XXXX 's online portal XXXX including documentation confirming my full-time enrollment status. The portal validated receipt of these documents. However, XXXX failed to acknowledge or process this application as required. This is evidenced by the absence of any follow-up in my XXXX inbox history or account correspondence. \nDespite my timely deferment request and eligibility, XXXX reported a XXXX delinquency on my student loan account to the credit bureaus on XX/XX/year>. This reporting is inaccurate and in violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and FCRA, which require accurate credit reporting and fair acknowledgment of disputes. \nI contacted XXXX to dispute this error and requested they correct the record and notify the credit bureaus. However, no resolution has been provided to date. \nWhat I Want : Removal of the inaccurate delinquency from my credit report Written acknowledgment and explanation of the investigation Assurance that deferment processing systems are reviewed to prevent future issues This inaccurate reporting has negatively impacted my credit standing and caused undue stress. I am seeking the CFPB 's assistance to ensure XXXX corrects this error and complies with federal consumer protection laws.","date_sent_to_company":"2025-05-10T20:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07866","tags":null,"has_narrative":true,"complaint_id":"13447967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-10T20:32:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Subject : Improper Credit Reporting Failure to Process In-School Deferment Application Company Name : XXXX Date of Incident : XX/XX/year> Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Incorrect information on your report Complaint : On XX/XX/year>, I submitted an In-School Deferment Application via XXXX 's online portal XXXX including documentation confirming my full-time enrollment status. The portal validated receipt of these documents."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[16.155472,"13447967"]},{"_index":"complaint-public-v1","_id":"13447707","_score":16.155472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting Failure to Process In-School Deferment Application Company Name : MOHELA Date of Incident : XX/XX/year> Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Incorrect information on your report Complaint : On XX/XX/year>, I submitted an In-School Deferment Application via MOHELA 's online portal XXXX including documentation confirming my full-time enrollment status. The portal validated receipt of these documents. However, MOHELA failed to acknowledge or process this application as required. This is evidenced by the absence of any follow-up in my MOHELA inbox history or account correspondence. \nDespite my timely deferment request and eligibility, MOHELA reported a XXXX delinquency on my student loan account to the credit bureaus on XX/XX/year>. This reporting is inaccurate and in violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and FCRA, which require accurate credit reporting and fair acknowledgment of disputes. \nI contacted MOHELA to dispute this error and requested they correct the record and notify the credit bureaus. However, no resolution has been provided to date. \nWhat I Want : Removal of the inaccurate delinquency from my credit report Written acknowledgment and explanation of the investigation Assurance that deferment processing systems are reviewed to prevent future issues This inaccurate reporting has negatively impacted my credit standing and caused undue stress. I am seeking the CFPB 's assistance to ensure MOHELA corrects this error and complies with federal consumer protection laws.","date_sent_to_company":"2025-05-10T20:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07866","tags":null,"has_narrative":true,"complaint_id":"13447707","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-10T20:23:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Subject : Improper Credit Reporting Failure to Process In-School Deferment Application Company Name : MOHELA Date of Incident : XX/XX/year> Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Incorrect information on your report Complaint : On XX/XX/year>, I submitted an In-School Deferment Application via MOHELA 's online portal XXXX including documentation confirming my full-time enrollment status."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[16.155472,"13447707"]},{"_index":"complaint-public-v1","_id":"6724006","_score":16.083483,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Federal Trade Commission has referred this case back to CFPB. \nPlease assist to get this merchant to remove the remark. \nXXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT On or about XX/XX/XXXX, US Bank accessed by credit report without my authorization. US Bank sent a credit card unauthorized that I destroyed. Contacted credit reporting agency XXXX XXXX and US Bank XX/XX/XXXX by mail to remove the hard inquiry. No response to clear my credit reports XXXX XXXX nor XXXX and XXXX of the hard inquiry from my reports. \n\nATTACHMENTS XXXX Inquiry.PDF ( XXXX KB ) View full complaint Closed STATUS Contact another agency After our review, we found that the best agency to help you with your issue is Federal Reserve Board. If you would like to submit your complaint with Federal Reserve Board, contact them directly at or call. \n\n\nADDITIONAL TOOLS AND RESOURCES Credit Reports and Scores","date_sent_to_company":"2023-03-21T02:36:07.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"6724006","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-03-21T02:03:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit card or prepaid card"],"issue":["Incorrect information on your report"],"sub_product":["General-purpose credit card or charge card"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[16.083483,"6724006"]},{"_index":"complaint-public-v1","_id":"11460048","_score":15.622757,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Formal Complaint : Deceptive Financial Practices and Consumer Exploitation by CarMax To Whom It May Concern, I am filing this formal complaint against CarMax for engaging in unfair, deceptive, and abusive financial practices in violation of the XXXX XXXX XXXX Reform and Consumer Protection Act ( 12 U.S.C. 5531, 5536 ). CarMaxs conduct has resulted in significant financial harm, emotional distress, and a violation of my rights as a consumer. \n\nSummary of Violations : Unfair Financing Practices ( 12 U.S.C. 5531 ) : Description : CarMax provided financing terms for a XXXX XXXX XXXX without disclosing the financial impact of unresolved safety recalls and repair obligations that they failed to address. \nXXXX XXXX : CarMax knowingly withheld critical information about the vehicles defects and recalls, leading to unforeseen financial burdens post-purchase. \nXXXXXXXX XXXX : Selling a vehicle with unresolved safety recalls while imposing repair costs that should have been covered under recall obligations. \nDeceptive Practices in Product Representation ( 12 U.S.C. 5536 ) : Description : The vehicle was marketed as certified and reliable despite known defects, including faulty tires, unresolved recalls, and a history of use as a loaner vehicle. \nXXXX XXXX : Intentional misrepresentation of material facts to induce the sale. \nXXXX XXXX : Misleading marketing and false certification, resulting in financial harm to the buyer. \nExploitation of Financial Vulnerabilities : Description : By failing to address critical safety recalls and charging for repair costs, CarMax exploited regulatory loopholes, placing an undue financial burden on me. \nXXXX XXXX : Deliberate neglect of obligations to maximize financial gain at the consumers expense. \nXXXX XXXX : Imposing unjustified financial costs through deceptive practices. \nIncident Details : Purchase Information : Vehicle : XXXX XXXX XXXX Purchase Date and Location : XX/XX/XXXX, CarMax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Impact : Significant out-of-pocket expenses for repairs directly tied to unresolved recalls and other defects. \nEmotional distress and lost time due to CarMaxs refusal to address these issues or provide a resolution.\n\nWhy CFPB Involvement Is Critical : CarMaxs practices undermine fundamental principles of fairness and transparency in financial transactions. The CFPB has a vital role in addressing deceptive practices that harm consumers and enforcing compliance with federal laws designed to protect financial rights.\n\nRequested Actions : Investigate CarMaxs Practices : Review their compliance with federal consumer protection laws, particularly regarding transparency in financing and disclosure of material defects. \nEnforce Penalties : Impose financial penalties commensurate with the harm caused to consumers. \nMandate Restitution : Require CarMax to reimburse affected consumers for unjustified repair costs, emotional distress, and any other financial losses.\n\nStrengthen Oversight : Recommend stricter regulations to ensure full disclosure of safety recalls and transparent financial practices in vehicle sales. \nSupporting Documentation : I have retained all relevant documentation, including the purchase agreement, repair invoices, recall notices, and correspondence with CarMax. These materials are available upon request to aid in your investigation. \n\nConclusion : I urge the CFPB to take swift action to hold CarMax accountable for their deceptive financial practices and to protect consumers from further harm. Your intervention is crucial to restoring fairness and transparency in the automotive sales industry. \n\nThank you for your attention to this matter. Please feel free to contact me for additional information or documentation. \n\nSincerely, XXXX XXXX In XX/XX/XXXX, I entered into a purchase and financing agreement with CarMax and XXXX XXXX XXXX ( XXXX ) for a XXXX XXXX XXXX , involving an initial down payment of {$3000.00}. Subsequently, I discovered multiple breaches of disclosure obligations, contractual duties, and statutory requirements. CarMax materially misrepresented the vehicles condition, concealing its prior usage as a loaner, unresolved safety recalls, and pre-existing defects, including an improperly maintained battery and defective interior components. These omissions directly contravened both federal and state consumer protection laws. \n\nDespite assurances regarding the vehicles fitness, CarMax failed to fulfill its warranty obligations, requiring me to bear out-of-pocket expenses for repairs, including those covered by manufacturer recalls. Moreover, CarMaxs negligent and deceptive actions resulted in additional financial harm, such as damage to my work uniforms due to improperly restored interior paint. These breaches demonstrate a reckless disregard for compliance with the Magnuson-Moss Warranty Act, the Illinois Consumer Fraud and Deceptive Practices Act, and applicable vehicle safety standards. \n\nCompounding these violations, XXXX engaged in predatory lending practices and systematic non-compliance with the Fair Debt Collection Practices Act ( FDCPA ). XXXX misapplied payments, imposed unauthorized fees, and provided intentionally opaque and misleading billing statements. Despite my attempts to rectify these issues, XXXX refused to resolve disputes, failed to furnish clear documentation, and repossessed the vehicle without adherence to due process requirements under Illinois and federal repossession statutes. These actions inflicted significant financial, emotional, and reputational harm. \n\nRepeated requests for documentation and evidence related to billing discrepancies, repossession justification, and vehicle condition were ignored or delayed by CarMax and XXXX, obstructing my ability to pursue legal remedies. This demonstrates a pattern of obstruction and bad faith, further violating federal consumer protection laws and undermining the principles of fair dealing and transparency. \n\nI respectfully request the CFPB to conduct a thorough investigation into CarMaxs and XXXX systemic violations of consumer protection statutes, including the Truth in Lending Act ( TILA ), FDCPA, and the Uniform Commercial Code ( UCC ). Their deceptive practices, predatory lending, and willful non-compliance have caused substantial harm, necessitating remedial actions, restitution, and regulatory enforcement. I consent to the publication of this complaint to inform other consumers of these practices and to promote systemic accountability. \n\nViolations by CarMax : 1. Deceptive Trade Practices Law : Federal Trade Commission Act ( FTC Act ) 5 ( a ) Prohibits unfair or deceptive acts or practices in commerce.\n\nSelling a vehicle with undisclosed defects, loaning it out without disclosure, and misrepresenting mileage and battery condition constitute deceptive practices.\n\nState Law ( Illinois Consumer Fraud and Deceptive Business Practices Act ) CarMax 's failure to disclose material facts, such as loaning out the car and the condition of the battery, violates this law.\n\n2. Breach of Warranty Implied Warranty of Merchantability ( Uniform Commercial Code - UCC 2-314 ) A car must be fit for ordinary use. Selling a car with defective tires, rims, and a battery that fails shortly after purchase breaches this warranty.\n\nMagnuson-Moss Warranty Act Federal law governing warranties on consumer products. If CarMax failed to honor warranty obligations or misled you about the warranty, this law applies.\n\n3. Failure to Disclose Recalls National Traffic and Motor Vehicle Safety Act Selling a car with recalled tires without addressing the recall violates federal law. The cost of repairing recalls must not be passed to the consumer.\n\n4. Fraud and Misrepresentation Common Law Fraud Falsely claiming that the battery was new, concealing the car 's loaned status, and misrepresenting the mileage as being solely from the previous owner could constitute fraud.\n\nFalse Advertising Laws Any promotional material or oral assurances about the vehicle 's condition that were inaccurate violate false advertising statutes.\n\n5. Violation of the Used Car Rule FTC 's Used Car Rule Requires dealerships to disclose known mechanical defects and whether the car is being sold \" as is. '' Failure to disclose the loaning out of the car or prior damages violates this rule.\n\n6. Improper Repairs and Damage to Property Negligence Painting over leather instead of properly repairing it, leading to damage to your uniforms, constitutes negligence.\n\nBreach of Duty of Care CarMax has a duty to perform repairs in a professional and non-damaging manner.\n\n7. Violation of Consumer Leasing Disclosures Truth in Lending Act ( TILA ) and Consumer Leasing Act ( CLA ) If CarMax failed to disclose loaning the car out or included deceptive financing terms in your purchase agreement, it may violate federal disclosure laws.\n\n8. Breach of Contract Selling a vehicle with unaddressed defects breaches the sales agreement if the vehicle was represented as fit and free from defects. \n\nPotential Violations by XXXX XXXX XXXX : Failure to Investigate Disputes Fair Credit Reporting Act ( FCRA ) Creditors must investigate disputes thoroughly. If you reported these issues, XXXX 's failure to address them could violate this law. \nUnfair Debt Collection Practices Fair Debt Collection Practices Act ( FDCPA ) If XXXX is attempting to collect a debt arising from a deceptively sold car, they may be engaging in unfair practices.\n\nBreach of Contract and UCC Default Rules Your financial agreement with XXXX is tied to the cars fitness. Selling a defective car undermines the basis for the financing agreement.\n\nSteps to Resolve the Issues 1. Document All Evidence Compile all conversations, emails, repair receipts, and reports related to the cars issues. Include dates, times, and the names of CarMax representatives you spoke with.\n\n2. Send Demand Letters Send a formal demand letter to CarMax and XXXX outlining the issues, legal violations, and your request for resolution ( e.g., full repair, loan forgiveness, or compensation for damages ). Cite applicable laws and statutes.\n\n3. File Complaints File a complaint with the following agencies : Federal Trade Commission ( FTC ) : For deceptive practices. \nIllinois Attorney General : For state-level violations. \nXXXX XXXX XXXX XXXX XXXX XXXX : To document complaints and escalate the matter. \n4. Seek Legal Representation Consult a consumer protection attorney to : Review the sales contract and financing agreement. \nEvaluate claims for fraud, breach of warranty, and deceptive practices. \nAssist with pursuing damages or negotiating a settlement. \n5. Dispute the Debt Notify XXXX in writing that the debt is in dispute due to the defective and deceptively sold car. Request they suspend collection activity until the dispute is resolved. \n6. File a Civil Suit If CarMax and XXXX fail to address your claims, you can file a lawsuit for : Fraud Breach of contract Violation of consumer protection laws Damages caused by negligence 7. Report to Credit Bureaus If XXXX reports you as being in default, file a dispute with the credit bureaus ( XXXX, XXXX, XXXX ). Provide evidence of the underlying issues. \n\nNext Steps If you'd like, I can assist with drafting demand letters, compiling evidence, or preparing a list of legal violations to include in your formal complaints or legal case. \nLegal Analysis of the Incident On XX/XX/XXXX, after finalizing the purchase agreement initiated on XX/XX/XXXX, you acquired a XXXX XXXX XXXX XXXX CarMax, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction included a {$3000.00} down payment, and subsequent payments were required to be made to XXXX XXXX XXXX ( XXXX ), XXXX, whose address is XXXX XXXX XXXX XXXX XXXX XXXX. However, the contractual process and subsequent interactions were fraught with material misrepresentations, nondisclosures, and breaches of statutory and contractual duties by CarMax and XXXX, resulting in financial, reputational, and professional harm to you. \nDeceptive Misrepresentation and Non-Disclosure ( XXXX XXXX ) CarMax represented the vehicle as being in good condition, equipped with a new battery, and with all mileage attributed to the prior owner. It later became evident that these representations were false. The vehicle had been loaned out by CarMax prior to the sale, a material fact that was neither disclosed nor documented in the purchase agreement. Furthermore, the battery installed in the vehicle was determined to be the original unit from the prior owner, contrary to CarMaxs assertions. These omissions and misrepresentations constitute actionable fraud under common law and violate consumer protection statutes.\n\nBreach of Implied Warranty of Merchantability ( UCC 2-314 ) The Uniform Commercial Code imposes an implied warranty of merchantability on all goods sold by merchants, requiring the goods to be fit for ordinary purposes. The vehicles defective tires ( subject to a manufacturer recall ), damaged paint, faulty battery, and improperly repaired leather seat constitute breaches of this warranty. Furthermore, CarMaxs decision to charge you for repairs related to the recalled tires and other known defects violates UCC provisions and undermines the core purpose of implied warranties. \nUnfair and Deceptive Practices ( XXXX XXXX ) The practices of CarMax fall under the purview of federal and state consumer protection laws, including the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/1 ). CarMaxs failure to disclose the loaning out of the car, misrepresentation of the vehicles condition, and subsequent inadequate repairs amount to unfair and deceptive trade practices, actionable under this statute. These actions also violate the Federal Trade Commission Act ( 15 U.S.C. 45 ). \nFailure to Honor Recall Obligations Under the National Traffic and Motor Vehicle Safety Act ( 49 U.S.C. 30120 ), dealerships must repair or replace defective or recalled parts at no cost to the consumer. Charging you for the replacement of recalled tires directly contravenes this federal mandate. This failure further exacerbates CarMaxs liability and underscores its non-compliance with federal safety standards.\n\nBreach of Contract ( XXXX XXXX XXXX ) The purchase agreement inherently required CarMax to deliver a vehicle in accordance with the representations made at the time of sale. The failure to fulfill contractual obligationssuch as repairing the leather seat and ensuring the vehicles overall functionalityconstitutes a breach of contract, actionable under Illinois contract law. \nNegligence and Damage to Personal Property CarMaxs improper repair practices, including painting the leather seat rather than using appropriate restoration methods, caused damage to your uniforms and personal property. This constitutes negligence under Illinois tort law, as CarMax owed a duty of care to perform repairs professionally and breached that duty, resulting in foreseeable damages.\n\nApplicable Laws and Violations Uniform Commercial Code ( UCC ) 2-314 Violation : Breach of implied warranty of merchantability.\n\nCause and Effect : Delivery of a vehicle unfit for ordinary use led to additional expenses and loss of income.\n\nResponsible Party : CarMax.\n\nFederal Trade Commission Act ( 15 U.S.C. 45 ) Violation : Unfair and deceptive practices.\n\nCause and Effect : Misrepresentation of vehicle condition and loaning history caused financial and reputational harm.\n\nResponsible Party : CarMax.\n\nIllinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/1 ) Violation : Misrepresentation and failure to disclose material facts.\n\nCause and Effect : Deceptive sales practices undermined the validity of the transaction.\n\nResponsible Party : CarMax. \nNational Traffic and Motor Vehicle Safety Act ( 49 U.S.C. 30120 ) Violation : Charging for repairs related to recalled tires.\n\nCause and Effect : Violation of federal safety standards caused financial loss.\n\nResponsible Party : CarMax.\n\nFair Credit Reporting Act ( 15 U.S.C. 1681 ) Violation : Failure by XXXX to investigate disputes and inaccurate reporting. \nCause and Effect : Damage to credit score and financial reputation. \nResponsible Party : XXXX XXXX XXXX. \n\nAgencies and Actions Required Consumer Financial Protection Bureau ( CFPB ) : File a complaint against XXXX for mishandling disputes and violating credit reporting obligations. \nFederal Trade Commission ( FTC ) : Report CarMax for deceptive trade practices and non-compliance with federal regulations. \nIllinois Attorney Generals Office : File a complaint under the Illinois Consumer Fraud and Deceptive Business Practices Act. \nNational Highway Traffic Safety Administration ( NHTSA ) : Report CarMaxs failure to honor recall obligations.\n\nLegal Representation : Engage a consumer protection attorney to pursue claims for fraud, breach of contract, and negligence against CarMax. Seek damages for financial loss, emotional distress, and reputational harm.\n\nConclusion CarMaxs conduct in this matter demonstrates a pattern of deceptive practices, contractual breaches, and statutory violations. XXXX failure to provide proper notice and its role in exacerbating the harm through improper credit reporting adds to the complexity of this case. Immediate legal action, coupled with regulatory complaints, will be necessary to rectify these violations and secure appropriate remedies. \nLegal Analysis of the Incident On XX/XX/XXXX, post facto the initiation of the purchase agreement on XX/XX/XXXX, you acquired a XXXX XXXX XXXX XXXX CarMax, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction involved a pecuniary down payment of {$3000.00} and subsequent payments to XXXX XXXX XXXX ( XXXX ), XXXX, of XXXX XXXX XXXXXXXX XXXX XXXX XXXX This contractual engagement, however, was plagued with instances of dolus malus ( intentional fraud ), nonfeasance ( failure to act ), and culpa lata ( gross negligence ), culminating in material, financial, and reputational damage to you. \n\nXXXX. Fraudulent Misrepresentation and Non-Disclosure ( XXXX XXXX ) CarMax engaged in XXXX XXXX by willfully misrepresenting the condition of the vehicle. They claimed the vehicle had a new battery and attributed all mileage to the previous owner, despite the vehicle being commodatum ( loaned out ) prior to the sale. This scienter ( knowledge of wrongdoing ) constitutes a prima facie case of fraud. The failure to disclose the vehicles loan history and the defective condition of key components, including the battery and tires, violated your right to bona fides ( good faith ) in the transaction. \n\nXXXX. Breach of Implied Warranty of Merchantability ( XXXX XXXX XXXX ) Under the Uniform Commercial Code ( UCC 2-314 ), the seller is obligated to ensure that goods sold are fit for their ordinary purpose. The defects in the tires ( subject to manufacturer recall ), rims, paint, leather seat, and battery rendered the vehicle non conformis ( non-conforming goods ). The act of requiring you to pay for the recall repairs and failing to rectify these defects is contra legem ( against the law ). CarMaxs actions contravened its obligatio ex contractu ( obligation arising from the contract ). \n\nXXXX. Unfair and Deceptive Trade Practices ( XXXX XXXX ) CarMaxs actions are actionable under Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX ). Their mala fide ( bad faith ) conduct, including misrepresentations about the vehicles history, failure to disclose loaning, and subsequent inadequate repairs, violates the lex loci contractus ( law of the place where the contract was made ). These practices also fall under the purview of the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits unfair or deceptive acts in commerce.\n\n4. Violation of Federal Recall Obligations ( Caveat Venditor ) Under the National Traffic and Motor Vehicle Safety Act ( 49 U.S.C. 30120 ), dealers must repair or replace recalled components at no cost to the consumer. Charging for the replacement of defective tires ex delicto ( arising from a wrongful act ) is ultra vires ( beyond their authority ) and a clear infraction of federal law. This breach caused you pecuniary damnum ( financial loss ) and injuria ( injury ) by exposing you to unsafe conditions. \n\nXXXX. Negligent Repairs and Property Damage ( XXXX XXXX ) CarMaxs decision to apply paint to a damaged leather seat instead of performing proper repairs amounts to culpa lata ( gross negligence ). This action, actus reus ( a wrongful act ), caused further harm by damaging your uniforms and personal property. The dealerships res ipsa loquitur ( the thing speaks for itself ) failure to meet professional repair standards establishes their liability under Illinois tort law. \n\nXXXX. Breach of Contractual Obligations ( XXXX XXXX XXXX ) The purchase agreement required CarMax to deliver a vehicle consistent with its representations and suitable for its intended use. The inclusio unius est exclusio alterius ( inclusion of one thing excludes another ) doctrine applies, as the loaning out of the car was not disclosed nor included in the contract. The failure to honor their obligations constitutes a breach of contract, rendering CarMax reus ( liable party ).\n\nApplicable Violations and Laws Uniform Commercial Code ( UCC 2-314 ) Violation : Breach of implied warranty of merchantability ( XXXX XXXX XXXX ). \nCause and Effect : The vehicles defects violated its ordinary purpose, causing financial harm and loss of use.\n\nCulpable Party : CarMax.\n\nIllinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX ) Violation : Misrepresentation and nondisclosure ( XXXX XXXX ). \nCause and Effect : Deceptive practices led to monetary loss and reputational harm.\n\nCulpable Party : CarMax.\n\nNational Traffic and Motor Vehicle Safety Act ( 49 U.S.C. 30120 ) Violation : Failure to honor recall obligations ( caveat venditor ).\n\nCause and Effect : Charging for recall repairs caused economic harm. \nCulpable Party : CarMax. \nFederal Trade Commission Act ( 15 U.S.C. 45 ) Violation : Unfair and deceptive acts in commerce ( XXXX XXXX ). \nCause and Effect : Misrepresentation and concealment undermined the integrity of the transaction.\n\nCulpable Party : CarMax.\n\nFair Credit Reporting Act ( 15 U.S.C. 1681 ) Violation : Failure to investigate disputes and improper credit reporting ( negligentia ). \nCause and Effect : Credit damage due to XXXX inaction. \nCulpable Party : XXXX XXXX XXXX. \n\nRecommendations and Agencies to Alert Consumer Financial Protection Bureau ( CFPB ) : Report XXXX for failing to provide proper notices and mishandling your account. \nIllinois Attorney General : File a complaint for violations of state consumer protection laws.\n\nFederal Trade Commission ( FTC ) : Report CarMax for deceptive trade practices and warranty violations. \nNational Highway Traffic Safety Administration ( NHTSA ) : Alert them regarding CarMaxs failure to address recall repairs.\n\nLegal Counsel : Engage an attorney specializing in consumer rights and automotive fraud to initiate legal proceedings ( actio legis ) against CarMax and XXXX. \n\nConclusion This matter involves egregious violations of statutory and contractual obligations by CarMax and XXXX, including dolus malus, culpa lata, and breaches of federal and state consumer protection laws. Immediate legal and regulatory action is warranted to rectify the harm caused, seek damages, and enforce compliance with applicable statutes.\n\nDetailed Analysis of Violations 1. Breach of Implied Warranty of Merchantability ( UCC 2-314 ) The Uniform Commercial Code requires that goods sold by merchants meet a standard of merchantability, meaning they must be fit for ordinary purposes. CarMax violated this principium by delivering a vehicle with defective tires ( subject to manufacturer recall ), a faulty battery, damaged paint, and improperly repaired seats. By charging for repairs related to these defects, CarMax acted contra legem ( against the law ) and caused financial harm to you. This breach allows for remedies under UCC 2-714, which provides compensation for buyers of non-conforming goods.\n\n2. Deceptive Practices Under the FTC Act and State Law CarMaxs actions fall under XXXX XXXX, as their misrepresentation about the battery, undisclosed prior loaning of the vehicle, and failure to disclose mileage discrepancies violate Federal Trade Commission Act ( 15 U.S.C. 45 ). Similarly, the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX ) prohibits mala fide actions like these. The misrepresentation of the vehicles condition constitutes an actus reus, an intentional act that caused pecuniary damnum ( financial loss ). \nXXXX. Violation of Federal Recall Obligations The National Traffic and Motor Vehicle Safety Act ( 49 U.S.C. 30120 ) mandates that recalled components such as tires be repaired at no cost to the consumer. By requiring you to pay for the recall-related repairs, CarMax acted ultra vires ( beyond its authority ). This failure not only endangered your safety but also imposed undue financial burdens, making CarMax liable for statutory penalties and damages under federal law.\n\n4. Negligent Repairs and Personal Property Damage The application of paint to repair the leather seat, rather than proper restoration, is a clear instance of culpa lata. This negligence caused direct harm to your uniforms, suits, and other personal property. Illinois tort law provides recourse for such damage, holding CarMax XXXX ( liable party ) for failing to exercise due care ( onus probandi ) during repairs. \nXXXX. Breach of Contract and Misrepresentation The consensualis ( consensual agreement ) between you and CarMax was fundamentally breached. The undisclosed loaning of the vehicle, failure to repair defects, and false representations about the battery constitute material breaches. These breaches undermine the pacta sunt servanda principle, which binds parties to the terms of their agreements. The resulting harm, including damage to your credit and professional life, supports claims for compensatory and punitive damages. \nXXXX. Violations by XXXX XXXX XXXX ( XXXX ) XXXX failed to fulfill its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by not investigating disputes and improperly reporting credit information. Per XXXX, their failure to notify you of payment responsibilities, combined with repossession actions, exacerbates your financial harm. This constitutes negligentia ( negligence ) and dolus incidentalis ( incidental fraud ). \n\nCause and Effect Analysis Cause : CarMaxs intentional misrepresentation ( dolus malus ) and failure to disclose material facts.\n\nEffect : Financial loss due to unnecessary repair costs, harm to your credit score, damage to your personal property, and reputational harm. \nCause : XXXX failure to investigate disputes and provide proper payment information. \nEffect : Credit damage and repossession of the vehicle, impacting your employment and financial standing. \n\nAgencies to Notify and Steps to Take Regulatory Complaints Consumer Financial Protection Bureau ( CFPB ) : File a formal complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and improper debt collection practices. \nIllinois Attorney General : Report CarMax under the Illinois Consumer Fraud and Deceptive Business Practices Act for deceptive practices and breach of warranty. \nNational Highway Traffic Safety Administration ( NHTSA ) : Alert them to CarMaxs non-compliance with federal recall obligations.\n\nFederal Trade Commission ( FTC ) : File a complaint citing violations of the FTC Act, including false advertising and failure to disclose loaning of the vehicle. \n\nLegal Counsel and Remedies Engage a consumer rights attorney to pursue claims including : Fraudulent Misrepresentation ( XXXX XXXX ) : Seek damages for financial loss, credit harm, and emotional distress. \nBreach of XXXX ( XXXX XXXX XXXX ) : Demand reimbursement for repair costs, damages to personal property, and other out-of-pocket expenses. \nNegligence ( XXXX XXXX ) : Pursue compensation for personal property damage due to improper repairs. \nViolation of Federal and State Laws : Seek statutory damages under UCC, FCRA, and consumer protection statutes.\n\nEquitable Remedies ( XXXX in XXXX ) : Demand the rescission of the sale contract, full reimbursement of payments, and removal of repossession from your credit report. \n\nConclusion CarMax and XXXX actions are riddled with dolus malus, culpa lata, and ultra vires conduct, violating federal, state, and contractual obligations. Through comprehensive legal action and regulatory reporting, you can seek restitution for the financial and reputational harm caused. These steps will enforce accountability, uphold your rights, and ensure proper remedies are pursued. \nRemedies and Consequences at Every Level To address the violations and harm caused by CarMax and XXXX XXXX XXXX ( XXXX ), the following remedies and consequences apply. Each level of remedycivil, statutory, regulatory, and equitableis tailored to the specific legal breaches. \n\nXXXX. Civil Remedies ( Contractual and Tort Violations ) Remedies Compensatory Damages ( XXXX XXXX ) : What : Compensation for actual financial losses, such as repair costs, uniforms damaged by improper seat repair, and payments made for defective parts like the tires and battery. \nWhy : The breaches of contract and negligence directly caused quantifiable monetary loss. \nExample : Reimbursement for costs incurred due to defective repairs and recall charges. \nConsequential Damages ( XXXX XXXX ) : What : Compensation for secondary damages, such as loss of income due to time off work or credit harm affecting future financial opportunities. \nWhy : CarMax and XXXX failures had a foreseeable impact on your financial stability and professional life. \nPunitive Damages ( XXXX XXXX ) : What : Damages intended to punish CarMax and XXXX for egregious misconduct and deter similar actions. \nWhy : Intentional misrepresentation ( dolus malus ) and gross negligence ( culpa lata ) warrant punishment beyond compensatory damages. \nExample : A court may award significant punitive damages for CarMaxs deceptive practices.\n\nConsequences CarMax : Monetary liability for damages, adverse publicity, and potential class-action exposure if systemic issues are uncovered.\n\nXXXX : Financial penalties and reputational harm for mishandling disputes and improper credit reporting.\n\n2. Statutory Remedies ( Federal and State Consumer Laws ) Remedies Damages for Breach of Consumer Protection Laws ( Remedium Legis ) : What : Statutory damages for violations of federal and state consumer laws, including the Federal Trade Commission Act ( FTC Act ), the Illinois Consumer Fraud and Deceptive Business Practices Act, and the National Traffic and Motor Vehicle Safety Act. \nWhy : These laws entitle consumers to monetary relief when deceptive or unfair practices occur. \nExample : Penalties for charging for recall-related repairs and failure to disclose vehicle defects. \nAttorneys Fees and Costs ( XXXX XXXX ) : What : Full reimbursement of legal fees incurred in pursuing claims under statutes like the Illinois Consumer Fraud Act. \nWhy : Consumer protection statutes often include provisions for attorneys fees to encourage enforcement. \nCredit Report Correction ( XXXX in XXXX ) : What : XXXX must correct negative entries on your credit report, removing repossession marks and false defaults. \nWhy : The Fair Credit Reporting Act ( FCRA ) requires creditors to ensure accurate reporting.\n\nConsequences CarMax : Fines, mandated consumer reimbursements, and potential enforcement actions from agencies like the FTC. \nXXXX :","date_sent_to_company":"2025-03-04T14:52:42.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"60610","tags":null,"has_narrative":true,"complaint_id":"11460048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2025-01-10T05:20:12.000Z","state":"IL","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Legal Counsel and Remedies Engage a consumer rights attorney to pursue claims including : Fraudulent Misrepresentation ( XXXX XXXX ) : Seek damages for financial loss, credit harm, and emotional distress. \nBreach of XXXX ( XXXX XXXX XXXX ) : Demand reimbursement for repair costs, damages to personal property, and other out-of-pocket expenses. \nNegligence ( XXXX XXXX ) : Pursue compensation for personal property damage due to improper repairs."],"company":["American Credit Acceptance, LLC"]},"sort":[15.622757,"11460048"]},{"_index":"complaint-public-v1","_id":"16125854","_score":14.506942,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Innovis, a consumer reporting agency, for their mishandling of my credit information, delay in processing disputes, and continued reporting of unverifiable public record data. Their actions constitute violations of the Fair Credit Reporting Act ( FCRA ), Metro2 compliance standards, and my rights as a consumer under federal law. \n\nBackground On XX/XX/XXXX, a bankruptcy record was filed in the XXXX XXXX XXXX ( XXXX, XXXX ). \n\nOn XX/XX/XXXX, that bankruptcy was XXXX. \n\nDespite this discharge, Innovis, along with other credit bureaus, continues to report the bankruptcy in an inaccurate and inconsistent manner across reports. \n\nAdditionally, Innovis has engaged in improper practices by : Delaying dispute processing under the unfounded presumption that consumers working with third parties ( such as credit repair companies ) are not entitled to timely dispute resolution. \n\nRequiring unnecessary documentation, such as Power of Attorney, which is not supported by FCRA statutes. \n\nRetaining sensitive personal identification documents despite being prohibited from doing so under 16 CFR 682.3. \n\nViolations and Issues XXXX. Delay in Processing Disputes Under 15 U.S.C. 1681i, consumer reporting agencies must investigate disputes in a timely manner. \n\nXXXX attempted to delay processing by questioning whether letters were prepared by a XXXX party, which is illegal and discriminatory. Consumers have the right to assistance, and no statute permits such delays XXXX. Improper Handling of XXXX XXXX Bankruptcy records are not directly reported by courts. They are scraped by XXXX-party vendors and transmitted without verification. \n\nThe bankruptcy entry reported by Innovis is inconsistent with other bureaus ( XXXXXXXX XXXX XXXX ), and in some cases, missing required Metro2 data fields ( e.g., creditor name, case details, source verification ). \n\nThis practice violates FCRA 1681e ( b ), which requires maximum possible accuracy, and FCRA 1681i, requiring proper reinvestigation XXXX. Furnishing Incomplete and Unverifiable Data XXXX furnished bankruptcy information that lacks critical identifiers, making it unverifiable. \n\nThis is a violation of FCRA 623 ( a ), which prohibits furnishing information known to be inaccurate or unverifiable XXXX. Privacy and Data Retention Concerns Innovis requested and retained copies of my drivers license and social security card for verification. \n\nUnder 16 CFR 682.3, such sensitive identification must be purged after verification and not retained or shared. XXXX failure to comply creates unnecessary exposure and risk of identity theft XXXX. Consumer Rights Violations By reporting outdated and discharged bankruptcy records, XXXX is violating FCRAs obsolescence rules, which limit how long negative information can be reported after resolution. \n\nBy failing to correct inaccuracies, Innovis is causing unlawful consumer harm and misrepresenting my creditworthiness to lenders Requested Resolution I respectfully demand the following corrective actions : Immediate deletion of the disputed bankruptcy record ( Case XXXX XXXXXXXX ) from my XXXX credit report. \n\nWritten confirmation that Innovis has deleted the record and provided me with a free updated credit report, as required under 15 U.S.C. 1681j ( b ).\n\nAssurance that Innovis will not delay or obstruct future disputes, regardless of whether XXXX-party assistance is involved. \n\nVerification that all personal identification documents submitted have been purged in compliance with 16 CFR 682.3.\n\nA description of the procedure used to determine accuracy, provided within XXXX days of reinvestigation completion, as mandated by FCRA 611 ( a ) ( 6 ). \n\nConclusion Innoviss reporting practices, dispute handling delays, and retention of sensitive information represent serious violations of consumer protection laws. These actions have compromised my privacy, misrepresented my credit history, and caused significant harm. I request the CFPBs intervention to enforce compliance, protect my rights, and ensure the immediate correction of my credit report.","date_sent_to_company":"2025-09-23T21:38:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"16125854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-09-23T21:30:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Despite this discharge, Innovis, along with other credit bureaus, continues to report the bankruptcy in an inaccurate and inconsistent manner across reports. \n\nAdditionally, Innovis has engaged in improper practices by : Delaying dispute processing under the unfounded presumption that consumers working with third parties ( such as credit repair companies ) are not entitled to timely dispute resolution."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.506942,"16125854"]},{"_index":"complaint-public-v1","_id":"10959346","_score":14.271652,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, authorized this dispute and want to make clear that it wasnt initiated by an unauthorized third party or credit repair service. Im addressing significant violations of the Fair Credit Reporting Act ( FCRA ) and other related consumer protection laws that require immediate action. These violations include : Willful Noncompliance ( 15 USC 1681n, FCRA Section 616 ) : Credit information about me was accepted and reported without verifying its accuracy, which constitutes a willful violation of the law.\n\nFailure to Disclose Opt-Out Rights ( 15 USC 1681a , FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to inform me of my right to opt out of sharing my personal information, depriving me of important consumer protections.\n\nFurnishing Deceptive Forms ( 15 USC 1681s-2 ) : My credit report contains inaccurate inquiries and accounts that were not properly validated. Reporting these inaccuracies is misleading and violates GAAP principles.\n\nViolation of Debt Collection Practices ( 15 USC 1692 ) : Inaccurate debts and accounts were reported without my consent, leading to harassment and unnecessary stress from creditors.\n\nImproper Disclosure of Debt Information : Debt collectors shared my information with third parties in violation of the law, falsely stating that I owed a debt.\n\nInaccurate Late Payment Reporting : Late payments were reported on my credit report without clearly defining what constituted \" late, '' leading to deceptive and inaccurate reporting.\n\nFailure to Accurately Determine Finance Charges : As a credit reporting agency, you failed to ensure the accuracy of finance charge calculations, which is your legal responsibility.\n\nUnauthorized Credit Report Access ( 15 USC 1681b ) : Information was reported on my credit report without my written consent, violating permissible purpose requirements.\n\nRequested Actions : To resolve these issues, Ive outlined specific corrections, including updating inaccurate late payment reports to paid as agreed/never late, removing unverified and unauthorized accounts, and deleting unauthorized hard inquiries. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others. \n\nI expect these violations to be addressed promptly. If they are not resolved, I will exercise my right to seek legal remedies under the Fair Credit Reporting Act.","date_sent_to_company":"2024-12-05T18:46:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29505","tags":null,"has_narrative":true,"complaint_id":"10959346","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T21:56:49.000Z","state":"SC","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":["I, XXXX XXXX, authorized this dispute and want to make clear that it wasnt initiated by an unauthorized third party or credit repair service. Im addressing significant violations of the Fair Credit Reporting Act ( FCRA ) and other related consumer protection laws that require immediate action."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"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"]},"sort":[14.271652,"10959346"]},{"_index":"complaint-public-v1","_id":"13535543","_score":13.90157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CONSUMER COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX Company Name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX ACCOUNT INFORMATION Account/Loan Number : XXXX Product Type : Debt collection Issue Type : Credit reporting, credit repair services, or other personal consumer reports COMPLAINT DETAILS What happened : I am filing this complaint against Portfolio Recovery Associates ( XXXX XXXX XXXX account # XXXX, which appears on my Equifax credit report dated XX/XX/XXXX. My complaint focuses on a clear chronological impossibility and other serious reporting errors : XXXX. XXXX is reporting a date of first delinquency as XX/XX/XXXX, while simultaneously reporting the account opening date as XX/XX/XXXX. This is logically impossible - an account can not become delinquent before it is even opened. This factual impossibility violates basic credit reporting standards. XXXX. As a debt buyer, XXXX has failed to properly validate ownership of this alleged debt or provide proper chain of title documentation when I disputed the account. XXXX. The comments section of my report shows \" Consumer disputes this account information, '' indicating I previously disputed this information, yet XXXX has failed to conduct a reasonable investigation as required by law. XXXX. My credit file has a \" Fraud Victim Initial Alert '' status, which XXXX has not properly considered in their investigation and reporting. XXXX. As a debt collector, XXXX has failed to provide proper validation of the debt as required under the FDCPA, including verification of the amount and proof they are legally entitled to collect. Impact of situation : These improper debt collection and credit reporting practices have : - Damaged my credit score with unverified information - Created confusion about the actual debt and its origins - Caused emotional distress and financial hardship - Potentially subjected me to collection attempts for a debt that can not be properly validated - Impacted my ability to obtain housing, employment, and financial services Fair resolution would include : 1. Immediate removal of this account from all credit reports 2. Complete documentation of the chain of title for this alleged debt 3. Explanation for the chronological impossibility in their reporting XXXX. Proper validation of the debt including original creditor documentation XXXX. Consideration of the fraud alert on my credit file XXXX. XXXX of any collection attempts without proper validation XXXX. Compensation for damages caused by these improper practices Additional context : I believe Portfolio Recovery Associates is violating : - The Fair Credit Reporting Act ( FCRA ), particularly the requirement for accurate reporting - The Fair Debt Collection Practices Act ( FDCPA ), particularly validation requirements- Section 623 of the FCRA regarding furnisher responsibilities- The Consumer Financial Protection Act 's prohibition against unfair or deceptive practices - Various state laws regarding debt collection practices The chronological impossibility in their reporting is a clear, factual error that can be objectively verified and should be immediately corrected. I request that the CFPB investigate these practices and require Portfolio Recovery Associates to comply with all applicable laws regarding debt collection and credit reporting","date_sent_to_company":"2025-05-15T19:43:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11212","tags":null,"has_narrative":true,"complaint_id":"13535543","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-05-15T19:33:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CONSUMER COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX Company Name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX ACCOUNT INFORMATION Account/Loan Number : XXXX Product Type : Debt collection Issue Type : Credit reporting, credit repair services, or other personal consumer reports COMPLAINT DETAILS What happened : I am filing this complaint against Portfolio Recovery Associates ( XXXX XXXX XXXX account # XXXX, which appears on my Equifax"],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[13.90157,"13535543"]},{"_index":"complaint-public-v1","_id":"16557678","_score":13.663766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). \n\nRepeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. \n\nWhat happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. \n\nMy information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.","date_sent_to_company":"2025-10-14T02:14:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48187","tags":null,"has_narrative":true,"complaint_id":"16557678","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T02:14:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries )."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[13.663766,"16557678"]},{"_index":"complaint-public-v1","_id":"16532779","_score":13.663766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). \n\nRepeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. \n\nWhat happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. \n\nMy information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.","date_sent_to_company":"2025-10-14T02:14:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48187","tags":null,"has_narrative":true,"complaint_id":"16532779","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T02:07:48.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries )."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[13.663766,"16532779"]},{"_index":"complaint-public-v1","_id":"16533856","_score":13.641851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). \n\nRepeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. \n\nWhat happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. \n\nMy information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.","date_sent_to_company":"2025-10-14T02:14:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48187","tags":null,"has_narrative":true,"complaint_id":"16533856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-14T02:14:30.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries )."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[13.641851,"16533856"]},{"_index":"complaint-public-v1","_id":"17112165","_score":13.523986,"_source":{"product":"Debt or credit management","complaint_what_happened":"On XX/XX/year>, I paid {$1200.00} via Zelle through my XXXX XXXX XXXX account to a business/person called XXXX XXXX XXXX XXXX XXXX XXXX Official ( phone number XXXX ), operated and owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was led to believe this was a legitimate credit repair and identity theft recovery service. XXXX XXXX claimed she was an experienced credit and fraud XXXX who could file official complaints with the FTC and CFPB, complete my FTC Identity Theft Affidavit, and contact credit bureaus to remove fraudulent accounts appearing on my credit report. After paying her, I learned these claims were false and misleading. XXXX and XXXX XXXX. False Federal Procedure Claims XXXX XXXX repeatedly stated in writing that the FTC and CFPB are the same agency. This is factually untrue. The FTC and CFPB are separate federal entities with different functions. She also stated that the FTC Identity Theft Affidavit only allows XXXX accounts, which is false the FTC form itself allows additional pages for more accounts. These statements demonstrate a lack of knowledge and intentional misrepresentation of how federal identity theft processes work. XXXX. Improper Use of Notarized Documents XXXX XXXX admitted in writing that she reuses a single notarized affidavit and swaps out the pages listing accounts for different clients. This practice is improper and invalidates the notarization, as notaries must witness the actual document being signed. This raises serious questions about the authenticity of any document she created using my personal information. XXXX. Nonperformance of Promised Services She promised to complete FTC filings, CFPB complaints, and creditor notifications within 90 days of payment. No such actions were ever completed. She provided no tracking numbers, confirmation letters, or copies of complaints. My credit reports remain unchanged, and I have no evidence of any legitimate work performed. XXXX. Refusal to Refund After Misrepresentation When I confronted her about the lack of work, I offered to let her keep {$250.00} for her time and refund {$1000.00}. She declined the refund request on XX/XX/year>, via Zelle, despite acknowledging delays and issues filing. She insisted she doesnt refund just because you think work hasnt been done, yet provided no proof of completed work. XXXX. Concealment of Third Parties XXXX XXXX initially told me she works alone. Later, when I questioned the inconsistencies, she admitted others perform the work. This was never disclosed before payment. Its unclear who had access to my personal identifiable information ( PII ) such as my SSN, ID, and credit reports raising data privacy and potential identity theft concerns. Evidence Provided Attached are : Proof of Zelle payment ( {$1200.00} on XX/XX/year> ) Refund request ( {$1000.00} on XX/XX/year> ) and decline notice ( XX/XX/year> ) Email correspondence where XXXX XXXX : Misrepresents FTC and CFPB as the same entity, Admits to reusing notarized pages, Refuses refund after failing to deliver services. My separate CFPB complaint filed against XXXX XXXX XXXX under XXXX XXXX XXXX, for violations of the Credit Repair Organizations Act ( XXXX U.S.C. XXXX ). \n\nIn her email correspondence, XXXX XXXX also stated that she reuses the same notarized affidavit page while swapping out the attached account pages. This admission raises serious concerns about improper notarization practices and further supports that this transaction was obtained through misrepresentation. I have not and will not forward the notarized documents to be swapped as each new document has to be reviewed by the notary prior to notarizing the documents. This in itself is misrepresentation and potentially fraud behavior under consumer and notary law. \n\nWhile I did authorize the Zelle payment itself, I did not authorize fraudulent activity or misrepresentation. My authorization was based on the false and deceptive claims made by the business regarding their services and federal filing procedures. Therefore, this payment should be treated as a case of fraudulent inducement and misrepresentation, not a standard authorized transaction.","date_sent_to_company":"2025-11-08T20:13:26.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"10473","tags":null,"has_narrative":true,"complaint_id":"17112165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-11-08T19:57:47.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Later, when I questioned the inconsistencies, she admitted others perform the work. This was never disclosed before payment. Its unclear who had access to my personal identifiable information ( PII ) such as my SSN, ID, and credit reports raising data privacy and potential identity theft concerns."],"product":["Debt or credit management"],"sub_product":["Credit repair services"]},"sort":[13.523986,"17112165"]},{"_index":"complaint-public-v1","_id":"6368888","_score":13.504342,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT XXXX Account # XXXX, - Preferred credit Account # XXXX, ,XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.\n\nHide full complaint What product or service is your complaint about?\n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened? \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.\n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publish this description after the CFPB has taken these steps.\n\nInactive modal","date_sent_to_company":"2022-12-28T14:21:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"6368888","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-28T14:15:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened?"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"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"]},"sort":[13.504342,"6368888"]},{"_index":"complaint-public-v1","_id":"11619810","_score":12.7192745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . \n\nDispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Credit Report Information Violations of FCRA, CFPA, and XXXX XXXX Laws To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my credit report. For over a year, I have provided Experian with all required documentation under federal law to demonstrate that adverse information on my credit report is directly tied to my status as a survivor XXXX XXXX XXXX. Despite this, Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Debt Bondage Repair Act, causing severe harm to my ability to rebuild my life. \nLegal Obligations and Violations Under the Debt Bondage Repair Act, which amended the FCRA in XXXX, Experian is required to block adverse information resulting from XXXX XXXX within four business days of receiving proper documentation and to make a final determination within 25 business days. My documentation includes : A 605C Self-Attestation Form signed and certified by a tribal government entity, as permitted under the law. \nDetermination letters from a XXXX XXXX XXXXXXXX, my attorney, and my tribal government, all of which meet the criteria outlined in the CFPBs final rule implementing the Debt Bondage Repair Act. \nDespite submitting these materials repeatedly for over a year, Experian has failed to block or remove the adverse information. This refusal violates 15 U.S.C. 1681c-2, which mandates the blocking of adverse information resulting from XXXX XXXX \nAdditionally, I reference the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/XXXX complaint against Experian ( Case No. XXXX ), which highlights systemic failures in Experians handling of consumer disputes, including : 1. Failure to conduct reasonable reinvestigations into consumer disputes, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \n2. Failure to forward all relevant information to furnishers, including consumer-provided documentation, in violation of 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). \n3. Failure to block adverse information resulting from identity theft or XXXX XXXX as required by 15 U.S.C. 1681c-2. \n4. Improper reliance on furnishers responses, even when evidence suggests the furnishers are unreliable.\n\n5. Failure to notify consumers of the results of reinvestigations clearly and accurately, in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). \n\nThe CFPBs XX/XX/XXXX Supervisory Highlights further emphasize that Experian has repeatedly failed to comply with the XX/XX/XXXX rule requiring the blocking of adverse information tied to XXXX XXXX. Experians refusal to accept determinations from legitimate entities, such as XXXX XXXX XXXX and tribal governments, demonstrates ongoing noncompliance with federal law. \n\nPersonal Harm and Impact : Experians refusal to follow the law has caused me immense harm. For over a year, I have been unable to secure housing due to the adverse information on my credit report. As a result, I have been forced to live in and out of homeless shelters, and at one point, I lived in a tent with my XXXX grandchildren. This has caused significant emotional distress, disrupted my ability to rebuild my life, and perpetuated the financial abuse I endured as a survivor of XXXX XXXX \n\nThe adverse information on my credit reportwhich I have repeatedly demonstrated is directly tied to my XXXX experiencehas also prevented me from obtaining stable employment, affordable housing, and access to credit on fair terms. This is precisely the type of harm the Debt Bondage Repair Act was designed to prevent, yet Experian continues to disregard its legal obligations. \n\nMy Specific Disputes : The following items on my credit report are directly tied to my status as a survivor XXXX XXXX XXXX and must be blocked or removed under 15 U.S.C. 1681c-2 : 1. ( See documentation with adverse items ) 2. These items were incurred because of financial abuse by my trafficker and should not remain on my credit report. \n\nSupporting Documentation : Enclosed, I have included the following documentation to support my dispute : My completed 605C Self-Attestation Form, signed and certified by a tribal government entity. \nDetermination letters from my XXXX XXXX XXXX, attorney, and tribal government. \nMy personal self-attestation statement notarized by a notary substantiating I am a XXXX XXXX victim. \n\nResolution Requested I request that Experian take the following actions immediately : 1. Block and remove all adverse information related to my status as a survivor of XXXX XXXX, as required by 15 U.S.C. 1681c-2 and the Debt Bondage Repair Act. \n2. Provide written confirmation that the disputed items have been removed or blocked within the legally mandated period.\n\n3. Ensure compliance with the FCRA and CFPA by conducting a reasonable reinvestigation and notifying me of the results clearly and accurately. \nFailure to address this dispute in accordance with federal law will result in additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \nClosing Experians ongoing refusal to comply with the law has caused me and my family immense harm. I expect a response to this dispute within 30 days, as mandated by federal law. If you require additional information, please contact me at the address, email, or phone number listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX, Enclosures : 605C Self-Attestation Form Supporting documentation ( XXXX determination, attorney letter, tribal government letter, etc. ) Documentation verifying my identity. \nAdverse items on my credit report that are the result of XXXX XXXX","date_sent_to_company":"2025-01-20T02:36:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43065","tags":"Servicemember","has_narrative":true,"complaint_id":"11619810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T02:02:10.000Z","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":["Despite this, Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Debt Bondage Repair Act, causing severe harm to my ability to rebuild my life."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"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"]},"sort":[12.7192745,"11619810"]},{"_index":"complaint-public-v1","_id":"16490237","_score":11.972085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Issue : Improper use of report / Failure to investigate/ Failure to respond to disputes/ Identity Theft I am filing this complaint against Equifax due to their repeated failure to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. My concerns are as follows : XXXX. Failure to Provide Investigation Documents/ Improper Handling of Disputes Equifax has failed to provide any documentation or proof regarding the outcome of prior disputes I submitted, including how they \" verified '' fraudulent accounts and information listed on my credit report. \n\nI submitted a dispute to Equifax, which included the following supporting identity theft documentation : A copy of my state-issued ID A copy of my FTC Identity Theft Report A Police Report filed with the XXXX XXXX XXXX Sheriff 's Department ( Case # XXXX ) Despite having submitted these documents properly, Equifax 's response dated XX/XX/year> ( Confirmation # XXXX ) falsely claims that I did not include these documents. This is categorically false. \n\nThese exact same documents were successfully submitted to, and acknowledged by, law enforcement. \n\nXXXX. Request for Investigation Documents and Full Disclosure I have formally requested copies of Equifax 's investigation results and method of verification used in the disputes of the fraudulent accounts. To date, Equifax has not complied with this request, which is a violation of my rights under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). \n\nI am requesting : Full disclosure of all documents, correspondence, and records related to prior and current disputes, including how the information was verified. \n\nThe name, contact information, and method used by any furnisher or third party Equifax relied upon in confirming disputed information. \n\nXXXX. Failure to Place Extended Fraud Alert & Security Freeze I specifically requested that Equifax : Place an extended fraud alert on my credit report, as I am a victim of identity theft and provided the legally required documentation. \n\nImplement an extended security freeze to prevent further misuse of my credit. \n\nPerform the same action for my minor daughter, XXXX XXXX, whose personally identifiable information ( PII ) has also been compromised. \n\nFor my daughter : I submitted her Social Security XXXX and identity documentation via certified mail with return receipt, proving Equifax received the request. \n\nTo date, Equifax has not confirmed that these actions have been completed. \n\nTo date, Equifax has not confirmed that these actions have been completed. \n\nI am requesting : Written confirmation that a fraud alert and security freeze have been placed on both my credit file and my minor daughters file. \n\nA full explanation if any action was denied, delayed, or otherwise incomplete. \n\nXXXX. Unauthorized / XXXX XXXX XXXX Equifax is reporting an unauthorized phone number ( XXXX ) on my credit report that I did not provide and that is linked to fraudulent activity. I have repeatedly requested its removal, and Equifax has failed to remove or correct this item. \n\nI am requesting : XXXX removal of this number from my credit file. \n\nConfirmation in writing that this has been completed. \n\nViolations and Legal Concerns I believe Equifax XXXX be in violation of multiple federal and state laws, including but not limited to : FCRA XXXX XXXX Code XXXX ( failure to investigate disputed information ) FCRA XXXX XXXX Code XXXX ( failure to provide information in the file and disclosures upon request ) FCRA XXXX XXXX Code XXXX ( failure to place fraud alerts ) FCRA XXXX XXXX Code XXXX ( failure to block fraudulent information resulting from identity theft ) Failure to protect consumer data and act on identity theft reports, raising concerns about systemic noncompliance and potential exposure to state and federal regulatory scrutiny","date_sent_to_company":"2025-10-10T00:57:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"16490237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-10T00:34:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Issue : Improper use of report / Failure to investigate/ Failure to respond to disputes/ Identity Theft I am filing this complaint against Equifax due to their repeated failure to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. My concerns are as follows : XXXX."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[11.972085,"16490237"]},{"_index":"complaint-public-v1","_id":"13221914","_score":10.568718,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding serious issues and potentially deceptive practices tied to a solar loan I entered into with GoodLeap ( formerly LoanPal ), arranged through the now-defunct XXXX XXXX. I reside in South Carolina and respectfully request your assistance in investigating this matter under the XXXX XXXX XXXX XXXX and applicable federal consumer protection laws. \n\nBackground : In XX/XX/XXXX, I entered into a solar panel financing agreement with GoodLeap, initiated by XXXX XXXX. I was assured by both the installer and the financier that : My payments would be managed solely through GoodLeap. \n\nThe payment amount and servicing structure were fixed. \n\nI would receive federal tax refunds not credit and warranty support for 25 years. \n\nIssues and Concerns : Undisclosed Loan Ownership Transfer : I later learnedonly through my own effortsthat my loan is now allegedly owned by XXXX XXXX XXXX XXXX ( XXXX XXXX. Neither XXXX nor GoodLeap ever disclosed this transfer to me. I have repeatedly requested documentation from both entities confirming the loans transfer, but I have received no response. \n\nNo Access or Acknowledgment by XXXX : Although XXXX appears to now own the loan, their representatives deny having any specific loan documentation or servicing knowledge. This leaves me in a difficult position as a consumer, unsure of who truly owns my loan or who is responsible for servicing it. \n\nInconsistent Credit Reporting : Despite opening the loan in XX/XX/XXXX, it does not appear on my XXXX report. However, it does show up on my XXXX XXXX app under my XXXX score. This inconsistency raises further questions about reporting and transparency. I also would like to note here that in XXXX of XXXX I reached out to XXXX to discuss the ownership of my loan etc and found out at the end of XXXX that when I connected XXXX they illegally ran and pull my credit report without my permission. \nServicing Confusion and Lack of Documentation : XXXX continues to process my payments and act as if they own the loan. They refuse to provide any documentation confirming a transfer or showing how my personal and financial data was lawfully shared with XXXX. \n\nContractual Discrepancies : On the original XXXX XXXX contract, my husband XXXX is listed as the primary signee. On the GoodLeap documentation, I am listed as the sole borrower. This inconsistency in borrower identity is deeply concerning and potentially invalidates parts of the agreement. \n\nVoid Warranties and XXXX Bankruptcy : XXXX XXXX, the installer, has gone out of business. I am now left without any warranty enforcement or service path. XXXX, the product manufacturer or affiliated entity, has also not clarified their responsibilities in the wake of XXXX closure. \n\nIgnored Requests for Information : I have made multiple attempts to contact both GoodLeap and XXXX to obtain my loan documentation and to verify ownership. Both parties have been unresponsive and continue to deflect responsibility. XXXX has also failed to clarify their role in ongoing system support. \n\nXXXX XXXX Contract - Warranty Violations : XXXX XXXX XXXX 's contract includes a Roof XXXX Warranty ( Section XXXX ), which guarantees weather-tight roof penetrations for 25 years, provided no work is performed by third parties. However, this warranty fails to account for damages caused by XXXX XXXX own installation process or any issues resulting from their poor workmanship. The warranty also contains numerous exclusions, including leaks unrelated to the system, pre-existing roof issues, and damage from foreign objects. This raises concerns about XXXX XXXX accountability for the damage caused during installation. \nAdditionally, the XXXX XXXX and XXXX XXXX ( Section XXXX ) and Damage Warranty ( Section XXXX ) offer limited coverage, with exclusions that XXXX prevent proper repairs or compensation for damages caused during the installation process. These clauses indicate a lack of sufficient consumer protection and raise questions about XXXX XXXX obligations to resolve issues in a fair and timely manner. \n\nXXXX XXXX and GoodLeap - Breach of Contract and Default : Under Section XXXX of the XXXX XXXX XXXX contract, the company is in default if it fails to perform its obligations within 30 days of receiving written notice ( Section XXXX ). XXXX XXXX is also in default if it admits insolvency or files for bankruptcy. Despite these provisions, XXXX XXXX has failed to meet its contractual obligations, including addressing system defects and providing timely repairs or replacements. As per the contract, the remedies for default ( Section XXXX ) allow the customer to terminate the agreement and pursue legal action. \nFurther complicating the situation, GoodLeap, the financing partner for XXXX XXXX, has similarly failed to uphold its own obligations regarding warranty claims, customer service, and support. This failure to perform and the lack of accountability from both XXXX XXXX and XXXX not only constitutes breach of contract but also reflects deceptive practices. The combination of these defaults and unresolved issues, including poor workmanship, broken warranties, and financial irresponsibility, warrants the termination of the agreements and pursuit of all available legal remedies. \nApplication of XXXX XXXX of XXXX : XXXX XXXX acted as the originating party for my solar panel loan and made material misrepresentations on behalf of GoodLeap, including misleading claims about tax benefits, payment terms, and warranties. XXXX presented XXXX financing as part of a bundled offering, conducted the loan application process, and submitted my information directly to GoodLeap. \n\nBecause XXXX XXXX acted as an agent or authorized partner of XXXX their loan product to customers and benefiting XXXX by securing loan originationsGoodLeap XXXX be legally responsible for XXXX actions under the agency theory of liability. The fact that XXXX is now defunct does not absolve GoodLeap of its duty to honor the terms and representations made by its agent. \n\nGoodLeap profited from the deal and is still processing payments, which further supports the argument that they were in a principal-agent relationship with XXXX. Therefore, they should be held accountable for any fraudulent misrepresentations and for the loss of warranty coverage and service. \n\nBroader Pattern of Misconduct : My experience appears to be part of a larger pattern of deceptive practices by GoodLeap : Minnesota Attorney General Lawsuit : In XX/XX/XXXX, the Minnesota Attorney General filed a lawsuit against GoodLeap and other solar lenders, alleging violations of consumer-fraud statutes, including deceptive lending practices and failure to disclose material terms. \n\nIn further support of my concerns, Id like to reference a lawsuit filed on XX/XX/XXXX, by Minnesota Attorney General XXXX XXXX against GoodLeap and XXXX other solar lenders. The lawsuit alleges that these companies engaged in deceptive lending practices, including hiding substantial dealer fees ( as high as XXXX XXXX XXXX XXXX ) within the loan principal, which consumers were never made aware of. These hidden fees artificially inflated loan balances and interest charges, often without any corresponding explanation to the borrower. The Attorney General asserts that such conduct violates XXXX consumer fraud, deceptive trade practices, and usury laws. The lawsuit reflects a broader pattern of misconduct consistent with my own experience including a lack of transparency, misleading loan terms, and improper disclosures. \n( Source : Minnesota XXXX Official Site ) Arbitration Cases : GoodLeap has lost key arbitration cases where consumers were misled about loan terms and solar system performance. In a recent arbitration handled by XXXX XXXX XXXX, GoodLeap was found liable for the misconduct of its partner company, XXXX XXXX. The arbitrator ruled that XXXX extensive involvement with XXXX XXXX constituted an agency relationship, holding them responsible for deceptive sales practices, including misrepresentations about cost savings and damage caused during installation. The client was awarded approximately {$13000.00} in damages, had a {$90000.00} loan canceled, and received attorneys fees. This case sets a strong precedent for other consumers misled by similar solar financing arrangements. ( Goodleap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Consumer Complaints : Numerous consumers have reported similar issues, including unauthorized loan transfers, lack of transparency, and defective solar installations. \n\nSupporting Evidence XXXX Involvement in Prior Credit Reporting Misconduct : In addition to my personal experience, I want to highlight that GoodLeap ( formerly LoanPal ) was recently the subject of a class action settlement involving improper credit reporting practices tied to XXXX XXXX, another defunct solar installer. According to the official XXXX, consumers alleged that GoodLeap reported solar loans as delinquent or charged off, even when installations were incomplete, systems were defective, or disputes were ongoing. \n\nThis resulted in significant credit damage to consumers in circumstances strikingly similar to mine. GoodLeap ultimately agreed to resolve these claims, demonstrating a documented pattern of misconduct, negligence, and disregard for fair credit reporting standardsparticularly when partnered installers go out of business, like XXXX XXXX in my case. I also XXXX be entitled to this settlement on the grounds that my financing was through Goodleap. \n\nXXXX XXXX : XXXX XXXX, et al. v. XXXX XXXXXXXX XXXX, XXXX Settlement","date_sent_to_company":"2025-04-28T14:46:20.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"13221914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2025-04-28T14:25:01.000Z","state":"SC","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["Supporting Evidence XXXX Involvement in Prior Credit Reporting Misconduct : In addition to my personal experience, I want to highlight that GoodLeap ( formerly LoanPal ) was recently the subject of a class action settlement involving improper credit reporting practices tied to XXXX XXXX, another defunct solar installer."],"sub_product":["Other type of mortgage"]},"sort":[10.568718,"13221914"]},{"_index":"complaint-public-v1","_id":"6906063","_score":10.302483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. \n\nATTACHMENTS highlighted credit report inaccuracies [ XXXX XXXX .pdf ( 8.2 MB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working STATUS Company response is in progress as of XX/XX/2022 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. \nCompany responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. ADVERSE ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. XXXX XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, ACTUAL PAYMENT, SCHEDULED PAYMENT, CLOSED DATE, TERM DURATION, ACCOUNT HISTORY Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, CREDITOR CLASSIFICATION, ADDITIONAL INFORMATION, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : US DEPT ED THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Collection : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.","date_sent_to_company":"2023-04-29T16:13:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"6906063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-29T16:08:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"]},"sort":[10.302483,"6906063"]},{"_index":"complaint-public-v1","_id":"11622922","_score":10.067975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : The CRAs [ XXXX, XXXX, and TransUnion ] Subject : Formal Complaint and Request for Investigation and Resolution Under the Fair Credit Reporting Act ( FCRA ) -- - To Whom It May Concern, I am writing to formally address ongoing issues with my consumer credit report, including actions and omissions by [ XXXX XXXX that I believe violate the Fair Credit Reporting Act ( FCRA ). These issues include a suspiciously low credit score despite minimal derogatory items, when in reality there must not be any derogatory items reporting on my Consumer Credit report any longer after all these years. Improper handling of disputes, and willful negligence in addressing fraudulent accounts and inquiries.\n\n1. Violation of FCRA Provisions Your organization has failed to comply with several key provisions of the FCRA, including but not limited to : A. 15 USC 1681e ( b ) Accuracy of Reports Under the FCRA, you are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports. Despite minimal derogatory again there shouldn't be any derogatory items on my credit reportyet because of your continuous refusal to comply with the FCRA Laws and Regulations currently only two items, according to your recordsmy credit score remains categorized as fair, which is unjustifiable given my debt utilization rate of approximately 15 % or less than 15 %.\n\nThis misrepresentation of my creditworthiness appears intentional and has directly harmed my ability to obtain loans and credit cards with competitive interest rates and fees.\n\nB. 15 USC 1681i Dispute Resolution Your agency has also failed to adequately investigate and resolve disputes regarding fraudulent or inaccurate items on my credit report. Specific failures include : Ignoring disputes related to fraudulent accounts and inquiries resulting from the XXXX XXXX data breach. \n\nImproper reinsertion of previously deleted items without notification or certification, in violation of 15 USC 1681i ( a ) ( 5 ) ( B ).\n\nC. 15 USC 1681n and 1681o Willful and Negligent Noncompliance The continued misrepresentation of my credit score, refusal to resolve disputes, and improper reinsertion of deleted items suggest willful or negligent noncompliance with the FCRA. These actions have caused significant financial and emotional harm. \n\nXXXX. Impact of the XXXX XXXX XXXX XXXX The XXXX data breach exposed my sensitive personal information, leading to fraudulent accounts and inquiries being added to my credit report. XXXX and other CRAs have failed to mitigate the damage caused by this breach, violating their obligation under 15 USC 1681e ( b ) to ensure accuracy and protect consumer data.\n\nThis breach has led to : Denials of credit opportunities due to a misrepresented credit score.\n\nIncreased fees and interest rates on loans and credit cards.\n\nEmotional distress from years of unresolved disputes and systemic negligence.\n\n3. Unjustifiably Low Credit Score It is unreasonable for my Consumer Credit score to remain in the fair range, given : Only two derogatory corrupted unauthorized reinserted items currently reported. \n\nA debt utilization rate of approximately 15 %, which is well within acceptable limits for good credit. \n\n\nThis score misrepresentation appears to be deliberate and obstructive, further preventing me from accessing affordable credit. It has come to my attention that you have intentionally lowered my Consumer Credit report score each time I made a Complaint against you. These past days my credit score was good but today after I filed a complaint with the CFPB out of nowhere just now I received a notification by a third party that I have access to that my Consumer Credit report score dropped about 28 points with all the three Consumer Credit reporting agencies Agencies I don't know of what most likely by your Wicked and dirty practices you're an agency of Evil. That has systemically blocked me from accessing my credit report and score throughout the years and caused me all kinds of systemic problems on my own Consumer Credit report.\n\n4. As I have stated Suspicious Credit Score Manipulation immediately Following Complaints filed with the CFPB.\n\nAfter filing a complaint against your agency, with the CFPB early morning today on XX/XX/XXXX around XXXX XXXX this morning, then around XXXX XXXX I was notified by third parties through email and notifications that my Consumer credit score dropped by approximately XXXX points across multiple CRAs, XXXX, XXXX and TransUnion despite no changes to my Consumer credit behavior or profile. This abrupt drop raises questions about : The accuracy and fairness of your scoring algorithms. \n\nWhether this reflects retaliation for exercising my rights under the FCRA. \n\nI have attached an image that clearly shows in details, what happened to my Consumer Credit score which was a fierce animalistic immediate response by all the cras XXXX, XXXX and TransUnion simultaneously approximately XXXX to XXXX hours after I filed a Complaint with CFPB and why it happened unequivocally shows that's nothing but a retaliation all because I exercised my rights under the FCRA Laws and Regulations and in turn my Consumer Credit score suffered a corrupt manipulation by the mighty Evil lords the dirty old foxes, the \" Consumer '' Credit reporting agencies.\n\n-- - Requested Remedies and Actions To resolve these issues and address the harm caused by your agencys actions, I request the following : 1. Immediate Deletion of any Inaccurate and Fraudulent Items : What you are doing is nothing less than criminal and you should be held accountable and liable for your criminal actions.\n\nHow low can you go.\n\nSuch low actions of a petty yet Dangerous thief such a vicious bloody predator prepared for the kill all in the name of unjust profits as due to such corrupted, cunning plain Evil practices these vicious predators gain Billions of Dollars per year in Bloody profit while the Consumers like me are left in financial shembles.\n\nRemove all fraudulent accounts and inquiries from my credit report, including those resulting from the XXXX XXXX data breach. \n\nProvide written confirmation of deletions under 15 USC 1681i ( a ) ( 5 ) ( A ).\n\n2. Investigation and Rectification of a more accurate Credit Score : Conduct a detailed review of my Consumer report credit score calculation to ensure compliance with 15 USC 1681e ( b ).\n\nProvide documentation demonstrating that my credit score accurately reflects my financial profile.\n\n3. Enhanced Accuracy and Compliance Measures : Implement and document new procedures to ensure maximum possible accuracy of credit reports, as required by 15 USC 1681e ( b ).\n\nProvide a copy of these procedures to demonstrate compliance with the FCRA.\n\n4. Compensation for Damages : Compensate me for financial harm caused by your agencys negligence, including : Fees paid to credit repair services.\n\nIncreased interest rates and fees due to an unjustifiably low credit score.\n\nEmotional distress resulting from systemic mishandling of my Consumer Credit report and Credit score.\n\n5. Accountability and Oversight : Notify the Consumer Financial Protection Bureau ( CFPB ) and comply with any enforcement actions they deem appropriate.\n\nSubmit to independent oversight to ensure future compliance with federal regulations.\n\n-- - Closing Statement Your organizations actions and omissions have caused irreparable harm to my financial health and violated multiple provisions of the FCRA, including 15 USC 1681e ( b ), 15 USC 1681i ( a ) ( 5 ) ( B ), and 15 USC 1681n. I demand immediate corrective action to address these issues and ensure compliance with federal law.\n\nIf these matters are not resolved promptly, I will escalate my complaint to the FTC, and my state attorney general and all the appropriate Government authorities and Agencies and the Media.\n\nI request your written response to this letter within 1 to 4 days, as required under the FCRA. Failure to respond or address these issues appropriately may result in legal action.\n\nCommon really? \n\nSincerely, XXXX","date_sent_to_company":"2025-01-19T19:59:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02125","tags":null,"has_narrative":true,"complaint_id":"11622922","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-19T19:59:47.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Impact of the XXXX XXXX XXXX XXXX The XXXX data breach exposed my sensitive personal information, leading to fraudulent accounts and inquiries being added to my credit report. XXXX and other CRAs have failed to mitigate the damage caused by this breach, violating their obligation under 15 USC 1681e ( b ) to ensure accuracy and protect consumer data.\n\nThis breach has led to : Denials of credit opportunities due to a misrepresented credit score."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[10.067975,"11622922"]},{"_index":"complaint-public-v1","_id":"11623780","_score":10.051618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : The CRAs [ Equifax, XXXX, and XXXX ] Subject : Formal Complaint and Request for Investigation and Resolution Under the Fair Credit Reporting Act ( FCRA ) -- - To Whom It May Concern, I am writing to formally address ongoing issues with my consumer credit report, including actions and omissions by [ Equifax/XXXX XXXX that I believe violate the Fair Credit Reporting Act ( FCRA ). These issues include a suspiciously low credit score despite minimal derogatory items, when in reality there must not be any derogatory items reporting on my Consumer Credit report any longer after all these years. Improper handling of disputes, and willful negligence in addressing fraudulent accounts and inquiries.\n\n1. Violation of FCRA Provisions Your organization has failed to comply with several key provisions of the FCRA, including but not limited to : A. 15 USC 1681e ( b ) Accuracy of Reports Under the FCRA, you are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports. Despite minimal derogatory again there shouldn't be any derogatory items on my credit reportyet because of your continuous refusal to comply with the FCRA Laws and Regulations currently only two items, according to your recordsmy credit score remains categorized as fair, which is unjustifiable given my debt utilization rate of approximately 15 % or less than 15 %. \n\nThis misrepresentation of my creditworthiness appears intentional and has directly harmed my ability to obtain loans and credit cards with competitive interest rates and fees.\n\nB. 15 USC 1681i Dispute Resolution Your agency has also failed to adequately investigate and resolve disputes regarding fraudulent or inaccurate items on my credit report. Specific failures include : Ignoring disputes related to fraudulent accounts and inquiries resulting from the XXXX Equifax data breach. \n\nImproper reinsertion of previously deleted items without notification or certification, in violation of 15 USC 1681i ( a ) ( 5 ) ( B ).\n\nC. 15 USC 1681n and 1681o Willful and Negligent Noncompliance The continued misrepresentation of my credit score, refusal to resolve disputes, and improper reinsertion of deleted items suggest willful or negligent noncompliance with the FCRA. These actions have caused significant financial and emotional harm. \n\nXXXX. Impact of the XXXX Equifax Data Breach The Equifax data breach exposed my sensitive personal information, leading to fraudulent accounts and inquiries being added to my credit report. Equifax and other CRAs have failed to mitigate the damage caused by this breach, violating their obligation under 15 USC 1681e ( b ) to ensure accuracy and protect consumer data.\n\nThis breach has led to : Denials of credit opportunities due to a misrepresented credit score.\n\nIncreased fees and interest rates on loans and credit cards.\n\nEmotional distress from years of unresolved disputes and systemic negligence.\n\n3. Unjustifiably Low Credit Score It is unreasonable for my Consumer Credit score to remain in the fair range, given : Only two derogatory corrupted unauthorized reinserted items currently reported.\n\nA debt utilization rate of approximately 15 %, which is well within acceptable limits for good credit.\n\nThis score misrepresentation appears to be deliberate and obstructive, further preventing me from accessing affordable credit. It has come to my attention that you have intentionally lowered my Consumer Credit report score each time I made a Complaint against you. These past days my credit score was good but today after I filed a complaint with the CFPB out of nowhere just now I received a notification by a third party that I have access to that my Consumer Credit report score dropped about XXXX points with all the three Consumer Credit reporting agencies Agencies I don't know of what most likely by your Wicked and dirty practices you're an agency of Evil. That has systemically blocked me from accessing my credit report and score throughout the years and caused me all kinds of systemic problems on my own Consumer Credit report.\n\n4. As I have stated Suspicious Credit Score Manipulation immediately Following Complaints filed with the CFPB. \n\nAfter filing a complaint against your agency, with the CFPB early morning today on XX/XX/XXXX around XXXX XXXX this morning, then around XXXX XXXX I was notified by third parties through email and notifications that my Consumer credit score dropped by approximately XXXX points across multiple CRAs, Equifax, XXXX and XXXX despite no changes to my Consumer credit behavior or profile. This abrupt drop raises questions about : The accuracy and fairness of your scoring algorithms. \n\nWhether this reflects retaliation for exercising my rights under the FCRA. \n\nI have attached an image that clearly shows in details, what happened to my Consumer Credit score which was a fierce animalistic immediate response by all the cras Equifax, Equifax and XXXX simultaneously approximately 2 to 3 hours after I filed a Complaint with CFPB and why it happened unequivocally shows that's nothing but a retaliation all because I exercised my rights under the FCRA Laws and Regulations and in turn my Consumer Credit score suffered a corrupt manipulation by the mighty Evil lords the dirty old foxes, the \" Consumer '' Credit reporting agencies. \n\n-- - Requested Remedies and Actions To resolve these issues and address the harm caused by your agencys actions, I request the following : 1. Immediate Deletion of any Inaccurate and Fraudulent Items : What you are doing is nothing less than criminal and you should be held accountable and liable for your criminal actions. \n\nHow low can you go. \n\nSuch low actions of a petty yet Dangerous thief such a vicious bloody predator prepared for the kill all in the name of unjust profits as due to such corrupted, cunning plain Evil practices these vicious predators gain Billions of Dollars per year in Bloody profit while the Consumers like me are left in financial shembles. \n\nRemove all fraudulent accounts and inquiries from my credit report, including those resulting from the XXXX Equifax data breach. \n\nProvide written confirmation of deletions under 15 USC 1681i ( a ) ( 5 ) ( A ).\n\n2. Investigation and Rectification of a more accurate Credit Score : Conduct a detailed review of my Consumer report credit score calculation to ensure compliance with 15 USC 1681e ( b ).\n\nProvide documentation demonstrating that my credit score accurately reflects my financial profile. \n\n\nXXXX. Enhanced Accuracy and Compliance Measures : Implement and document new procedures to ensure maximum possible accuracy of credit reports, as required by 15 USC 1681e ( b ).\n\nProvide a copy of these procedures to demonstrate compliance with the FCRA.\n\n4. Compensation for Damages : Compensate me for financial harm caused by your agencys negligence, including : Fees paid to credit repair services.\n\nIncreased interest rates and fees due to an unjustifiably low credit score.\n\nEmotional distress resulting from systemic mishandling of my Consumer Credit report and Credit score.\n\n5. Accountability and Oversight : Notify the Consumer Financial Protection Bureau ( CFPB ) and comply with any enforcement actions they deem appropriate.\n\nSubmit to independent oversight to ensure future compliance with federal regulations. \n\n\n-- - Closing Statement Your organizations actions and omissions have caused irreparable harm to my financial health and violated multiple provisions of the FCRA, including 15 USC 1681e ( b ), 15 USC 1681i ( a ) ( 5 ) ( B ), and 15 USC 1681n. I demand immediate corrective action to address these issues and ensure compliance with federal law. \n\nIf these matters are not resolved promptly, I will escalate my complaint to the FTC, and my state attorney general and all the appropriate Government authorities and Agencies and the Media.\n\nI request your written response to this letter within 1 to 4 days, as required under the FCRA. Failure to respond or address these issues appropriately may result in legal action. \n\nXXXX really? \n\nSincerely, XXXX","date_sent_to_company":"2025-01-19T19:59:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02125","tags":null,"has_narrative":true,"complaint_id":"11623780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-19T19:30:26.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Impact of the XXXX Equifax Data Breach The Equifax data breach exposed my sensitive personal information, leading to fraudulent accounts and inquiries being added to my credit report. Equifax and other CRAs have failed to mitigate the damage caused by this breach, violating their obligation under 15 USC 1681e ( b ) to ensure accuracy and protect consumer data.\n\nThis breach has led to : Denials of credit opportunities due to a misrepresented credit score."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[10.051618,"11623780"]},{"_index":"complaint-public-v1","_id":"6693726","_score":9.942805,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Update My Personal Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT STOP SAYING I'VE HIRED A CREDIT REPAIR COMPANY WHEN IN FACT, I DID NOT. THIS IS ME AS THE NATURAL LIVING PERSON AND THE CONSUMER THAT IS WRITING YOU. YOUR E-OSCAR SYSTEM IS FAULTY AND IM LETTING YOU KNOW I WILL FILE SUIT IF IT CONTINUES TO READ ME AS A 3RD PARTY COMPANY BECAUSE YOU ARE SHOWING DISCRIMINATION TOWARDS ME AND ARE VIOLATING MY RIGHTS TO PRIVACY AS WELL AS DISRESPECTING ME BY STATTING I DO NOT know MY RIGHTS AS A CONSUMER. \n\nI am writing to CERTIFY that I recently reviewed a copy of Experian credit report and found that part of the following \" PERSONAL INFORMATION '' was incorrect. I'm asking you to look into addresses that I've never lived at and that might be on my credit report as a result of fraud as soon as possible. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Please refer to the photocopy of my driver 's license that is attached. Just so you know : I've sent this paperwork certified mail. \n\nWho am I? XXXX XXXX Please IMMEDIATELY remove any more name variations. They are incorrect! \n\nMy current address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX IMMEDIATELY delete all other addresses. They are incorrect! \nMy employment status right now is EMPLOYED. Please IMMEDIATELY delete any further job variations. They are incorrect! \nI ask that you remove these disputed items. A reasonable amount of time for you to finish your investigation is thirty ( 30 ) days. The FAIR CREDIT REPORTING ACT is in effect. 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. \nThe Credit Reporting Act states. Please notify me through mail when these items have been updated and deleted. I now certify that the information above is accurate and true. \n\nArtI.S10.C1.2.2.1 Limits on Issuing Legal Tender Article I, Section 10, Clause 1 : No State shall enter any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder , ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. \n\nTRUTH IN LENDING The Commission is empowered by this Act ( Title I of the Consumer Credit Protection Act ) to ensure that most non-depository organizations abide by various legal requirements. The Act, among other things, mandates that creditors who work with customers comply with other laws, provide certain written disclosures about financial costs and associated terms of credit transactions ( including revealing an APR ), and make certain disclosures in advertisements. Numerous amendments to the Act have included rules for credit cards and open-end credit, as well as for mortgage credit, including ability to repay standards, loan origination, anti-steering, appraisal independence, and mortgage servicing. The legislation that this Act amends and is enforced by are noted separately. \n\n\n\n\n\n\nAFFIDAVIT OF AGGRAVATED IDENTITY THEFT XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : To whom it may concern : I'm writing to contest bogus accusations made against my consumer profile that was displayed on the Experian credit report. I was the victim of identity theft. At this moment I request that you remove the account, issue me an accurate statement and delete the fraudulent charges and any associated financial charges from my consumer profile. \n\nThis warning tells you that an unauthorized account was improperly reported to my consumer report. You do not have my signed consent to change my credit report. My private or personal information can not be used by you to contact third parties for any legal reason. Your offenses qualify as severe identity theft under 18 U.S.C. 1028A. You have committed a felony punishable by up to 2 years in prison and civil responsibility by willfully transferring, possessing, or using a method of identification of mine without my consent. \nThis agency violates 15 USC 1692g. I was supposed to receive written notice of this five days in advance, but I never did. I can prove this debt just because I am the original creditor. This debt is not justified by me. The accounts listed below must be removed from my report as a result. \n\nIf you don't act promptly to delete the aforementioned account and send out a free copy of my report after the adjustments have been made, legal action will be initiated against your business, and I will also be seeking {$1000.00} per infraction for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 US Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \nFair and Accurate Credit Transactions Act The Fair Credit Reporting Act, as amended by the FACT Act, contains provisions designed to enhance the accuracy and integrity of information in consumer reports. \nSection 312 of the FACT Act requires the agencies to : ( 1 ) establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus ; ( 2 ) prescribe regulations that require entities that furnish such information to establish reasonable policies and procedures for implementing the guidelines; and ( 3 ) prescribe regulations that identify circumstances under which a furnisher will be required to reinvestigate disputes about the accuracy of the information contained in a consumer report based on a consumer 's direct request. \nThe FACT Act requires the agencies to consider specific factors as they develop guidelines and regulations to implement section 312. The ANPR contains a series of questions that will facilitate this process. \nThe above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being re-reported or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain, or report MUST be mandated, true, and correct. \ncomplete, timely, proven mine, of my responsibility, and otherwise compliant to any and every reporting regulation in my state or federal laws. \nLIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 6 16, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.Section 604 of the FCRA ( 15 U.S.C. 1681b No authorization or permissible purpose was established \" following the written instructions '' as the consumer to whom it relates to obtaining my consumer report under any circumstances. No consent has been granted from the consumer, even if verbally granted, for this is not good enough even if documentation of such consent is maintained. \n\nInformation regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], 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. \n\nFCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. \nEnd-users must provide certification to comply with permissible purpose requirement. \nEnd-users must ( 1 ) identify themselves, ( 2 ) certify the purpose for obtaining reports, ( 3 ) certify the information in the report will be used for no other purpose ( Blanket certification ). \nBackground screening companies have obligations to show reasonable procedures to ensure access to only permissible users. \nCertify to users that request will be used for a permissible purpose. \nAdverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer Reporting Agencies If a person denies ( or increases the charge for ) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615 ( b ) ( 1 ) requires that the user clearly and accurately disclose to the consumer his or her right to be told the nature of the information that was relied upon if the consumer makes a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer 's written request. \n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. \n805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 812. Furnishing certain deceptive forms ( a ) It is illegal to design, put together, and provide any form with the knowledge that it will be used to give consumers the impression that someone other than their creditor is helping to collect or is trying to collect a debt they are supposedly owed by them, when in fact they are not. \n\n( b ) Anyone who violates this section is held accountable to the same degree and in the same way that a debt collector is under section 813 for breaking one of this title 's rules. \n\n814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\n\nDECLARATION OF NON-RESPONSIBILITY I/We, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct. \n28 USC 3002 :15 ( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of the United States XXXX or ( C ) an instrumentality of the United States XXXX \n\n\" I am a living breathing consumer with the right to privacy, I am NOT a citizen. Citizenship can NOT exist within any corporation ; for only members of a corporation reside '' USC 1602J ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. \n\nInaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nINCLUSIONS : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as \" pretexting. '' Due to your erroneous data furnishing, you have \" ALSO '' made me a victim of harassment and abuse by violating FDCPA 15 U.S. Code 1692d : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 )? [ 1 ] of this title. \n\n( 4 ) The advertisement for sale of any debt to coerce payment of the debt.\n\n( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. \n\n15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \n\n\n\n\n\n\n\n\n\nXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. \n15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 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. \nThe Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX The information regarding this account is inaccurate because I dont have a contract with this company, nor do I owe a balance. account needs to be deleted immediately because it is detrimental to my Credit report and score. \nThe following supporting documents are enclosed for your review : 1. Identity Theft Report 2. Notary My identity has been stolen you are hereby put on notice. \nAggravated Identity Theft pursuant to 18 U.S.C. 1028A.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \nAn identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports 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( 2 ) In accordance with the written instructions of the consumer to whom it relates. \" As ( 3 ) To a person which it has reason to believe Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. \nThe law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. \nIf your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. \nAccording to the new law, an \" accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. \nThe CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. \nIf you're unsure about your specific arrangement and want to know whether you're protected by these requirements, contact your lender and ask how they plan to report your information to credit bureaus. Make sure you document all your interactions by taking notes and screenshots and saving emails, so if your lender fails to follow through, you'll be prepared to dispute them. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX. XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this on my credit report? \n\nFurthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. \nDelete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. \n\nI recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this on my credit report? \n\nFurthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. \nDelete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.\n\nYour company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this","date_sent_to_company":"2023-03-14T21:27:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6693726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-14T21:01:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[9.942805,"6693726"]},{"_index":"complaint-public-v1","_id":"11622919","_score":9.908918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : The CRAs [ XXXX, Experian, and XXXX ] Subject : Formal Complaint and Request for Investigation and Resolution Under the Fair Credit Reporting Act ( FCRA ) -- - To Whom It May Concern, I am writing to formally address ongoing issues with my consumer credit report, including actions and omissions by [ XXXX XXXX that I believe violate the Fair Credit Reporting Act ( FCRA ). These issues include a suspiciously low credit score despite minimal derogatory items, when in reality there must not be any derogatory items reporting on my Consumer Credit report any longer after all these years. Improper handling of disputes, and willful negligence in addressing fraudulent accounts and inquiries.\n\n1. Violation of FCRA Provisions Your organization has failed to comply with several key provisions of the FCRA, including but not limited to : A. 15 USC 1681e ( b ) Accuracy of Reports Under the FCRA, you are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports. Despite minimal derogatory again there shouldn't be any derogatory items on my credit reportyet because of your continuous refusal to comply with the FCRA Laws and Regulations currently only two items, according to your recordsmy credit score remains categorized as fair, which is unjustifiable given my debt utilization rate of approximately 15 % or less than 15 %.\n\nThis misrepresentation of my creditworthiness appears intentional and has directly harmed my ability to obtain loans and credit cards with competitive interest rates and fees.\n\nB. 15 USC 1681i Dispute Resolution Your agency has also failed to adequately investigate and resolve disputes regarding fraudulent or inaccurate items on my credit report. Specific failures include : Ignoring disputes related to fraudulent accounts and inquiries resulting from the XXXX XXXX data breach. \n\nImproper reinsertion of previously deleted items without notification or certification, in violation of 15 USC 1681i ( a ) ( 5 ) ( B ).\n\nC. 15 USC 1681n and 1681o Willful and Negligent Noncompliance The continued misrepresentation of my credit score, refusal to resolve disputes, and improper reinsertion of deleted items suggest willful or negligent noncompliance with the FCRA. These actions have caused significant financial and emotional harm. \n\nXXXX. Impact of the XXXX XXXX XXXX XXXX The XXXX data breach exposed my sensitive personal information, leading to fraudulent accounts and inquiries being added to my credit report. XXXX and other CRAs have failed to mitigate the damage caused by this breach, violating their obligation under XXXX XXXX XXXX ( b ) to ensure accuracy and protect consumer data. \n\nThis breach has led to : Denials of credit opportunities due to a misrepresented XXXX XXXX. \n\nIncreased fees and interest rates on loans and credit cards. \n\nEmotional distress from years of unresolved disputes and systemic negligence. \n\n\nXXXX. Unjustifiably Low XXXX XXXX It is unreasonable for my Consumer XXXX XXXX to remain in the fair range, given : Only XXXX derogatory corrupted unauthorized reinserted items currently reported. \n\nA debt utilization rate of approximately 15 %, which is well within acceptable limits for good credit. \n\n\nThis score misrepresentation appears to be deliberate and obstructive, further preventing me from accessing affordable credit. It has come to my attention that you have intentionally lowered my XXXX Credit report score each time I made a Complaint against you. These past days my XXXX XXXX was good but today after I filed a complaint with the CFPB out of nowhere just now I received a notification by a third party that I have access to that my XXXX Credit report score dropped about XXXX points with all the XXXX XXXX XXXX reporting agencies Agencies I don't know of what most likely by your Wicked and dirty practices you're an agency of Evil. That has systemically blocked me from accessing my credit report and score throughout the years and caused me all kinds of systemic problems on my own XXXX Credit report. \n\nXXXX. As I have stated Suspicious XXXX XXXX Manipulation immediately Following Complaints filed with the CFPB. \n\nAfter filing a complaint against your agency, with the CFPB early morning today on XX/XX/XXXX around XXXX XXXX this morning, then around XXXX XXXX I was notified by third parties through email and notifications that my Consumer credit score dropped by approximately XXXX points across multiple CRAs, XXXX, XXXX and XXXX despite no changes to my Consumer credit behavior or profile. This abrupt drop raises questions about : The accuracy and fairness of your scoring algorithms. \n\nWhether this reflects retaliation for exercising my rights under the FCRA.\n\nI have attached an image that clearly shows in details, what happened to my Consumer Credit score which was a fierce animalistic immediate response by all the cras XXXX, XXXX and XXXX simultaneously approximately XXXX to XXXX hours after I filed a Complaint with CFPB and why it happened unequivocally shows that's nothing but a retaliation all because I exercised my rights under the FCRA Laws and Regulations and in turn my Consumer Credit score suffered a corrupt manipulation by the mighty Evil lords the dirty old foxes, the \" Consumer '' Credit reporting agencies.\n\n-- - Requested Remedies and Actions To resolve these issues and address the harm caused by your agencys actions, I request the following : 1. Immediate Deletion of any Inaccurate and Fraudulent Items : What you are doing is nothing less than criminal and you should be held accountable and liable for your criminal actions.\n\nHow low can you go.\n\nSuch low actions of a petty yet Dangerous thief such a vicious bloody predator prepared for the kill all in the name of unjust profits as due to such corrupted, cunning plain Evil practices these vicious predators gain Billions of Dollars per year in Bloody profit while the Consumers like me are left in financial shembles. \n\nRemove all fraudulent accounts and inquiries from my credit report, including those resulting from the XXXX XXXX data breach. \n\nProvide written confirmation of deletions under 15 USC 1681i ( a ) ( 5 ) ( A ).\n\n2. Investigation and Rectification of a more accurate Credit Score : Conduct a detailed review of my Consumer report credit score calculation to ensure compliance with 15 USC 1681e ( b ).\n\nProvide documentation demonstrating that my credit score accurately reflects my financial profile.\n\n3. Enhanced Accuracy and Compliance Measures : Implement and document new procedures to ensure maximum possible accuracy of credit reports, as required by 15 USC 1681e ( b ).\n\nProvide a copy of these procedures to demonstrate compliance with the FCRA.\n\n4. Compensation for Damages : Compensate me for financial harm caused by your agencys negligence, including : Fees paid to credit repair services.\n\nIncreased interest rates and fees due to an unjustifiably low credit score.\n\nEmotional distress resulting from systemic mishandling of my Consumer Credit report and Credit score.\n\n5. Accountability and Oversight : Notify the Consumer Financial Protection Bureau ( CFPB ) and comply with any enforcement actions they deem appropriate.\n\nSubmit to independent oversight to ensure future compliance with federal regulations.\n\n-- - Closing Statement Your organizations actions and omissions have caused irreparable harm to my financial health and violated multiple provisions of the FCRA, including 15 USC 1681e ( b ), 15 USC 1681i ( a ) ( 5 ) ( B ), and 15 USC 1681n. I demand immediate corrective action to address these issues and ensure compliance with federal law.\n\nIf these matters are not resolved promptly, I will escalate my complaint to the FTC, and my state attorney general and all the appropriate Government authorities and Agencies and the Media.\n\nI request your written response to this letter within 1 to 4 days, as required under the FCRA. Failure to respond or address these issues appropriately may result in legal action.\n\nCommon really? \n\nSincerely, XXXX","date_sent_to_company":"2025-01-19T19:59:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02125","tags":null,"has_narrative":true,"complaint_id":"11622919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T19:59:47.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Impact of the XXXX XXXX XXXX XXXX The XXXX data breach exposed my sensitive personal information, leading to fraudulent accounts and inquiries being added to my credit report. 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