{"took":135,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8415917","_score":29.43583,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Wells Fargo for Potential Data Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a complaint against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have not used since. This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a risk to my financial security and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances. \n\nNarrative of Events : Upon receiving the letter from Wells Fargo regarding an account associated with a name I no longer use, I was deeply concerned about the integrity of my personal data and the security of my financial information. This incident is particularly troubling as I am in the midst of planning significant financial activities, including a capital raise and real estate transactions, necessitating a clear and secure financial standing. \n\nViolations and Requested Resolution : Gramm-Leach-Bliley Act ( GLBA ) : The potential exposure of my personal data suggests a breach of GLBA, which mandates financial institutions to protect the confidentiality and security of consumer information. \n\nFair Credit Reporting Act ( FCRA ) : Should this issue affect my credit report, it would violate the FCRA 's requirements for accurate and fair credit reporting. \n\nGiven these concerns, I request the CFPB to : Initiate a thorough investigation into the handling and protection of my personal and financial data by Wells Fargo, specifically identifying how my former name came to be associated with recent communications. \nMandate Wells Fargo to provide monetary damages sufficient to hire a private investigator to assess the extent of the data breach or mismanagement and to secure necessary insurances that would protect my financial interests moving forward. \nEnsure Wells Fargo takes immediate steps to secure my data against further unauthorized access or breaches and to correct any inaccuracies in their records or on my credit report stemming from this issue. \nConclusion : The receipt of this letter under a former name and the potential it signifies for a data breach or significant mismanagement has caused me considerable distress and concern for my financial future. It is imperative that this matter is resolved promptly and thoroughly, with Wells Fargo held accountable for any lapses in data security or management. I trust the CFPB will act swiftly to address this complaint and facilitate the necessary financial restitution for me to mitigate the potential impacts of this situation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T11:53:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8415917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-25T11:46:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Ensure Wells Fargo takes immediate steps to <em>secure</em> my <em>data</em> against further unauthorized access or <em>breaches</em> and to correct any inaccuracies in their records or on my credit report stemming from this issue. \nConclusion : The receipt of this letter under a former name and the potential it signifies for a <em>data</em> <em>breach</em> or significant <em>mismanagement</em> has caused me considerable distress and concern for my financial future."]},"sort":[29.43583,"8415917"]},{"_index":"complaint-public-v1","_id":"10590930","_score":20.17371,"_source":{"product":"Checking or savings account","complaint_what_happened":"Heres the revised complaint letter to include references to XXXX XXXX and XXXX along with Cash App, Block , IncXXXX, and XXXX XXXX \n\n[ Your Name ] XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Date : [ Todays Date ] To : Compliance Department Block , Inc. / Cash App XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Cc : Compliance Department XXXX XXXX XXXX XXXX XXXX. \n[ XXXX Address ] [ City, State, Zip Code ] Compliance Department XXXX XXXX and XXXX [ Bank Address ] [ City, State, Zip Code ] Subject : Formal Complaint Unauthorized Transactions, Data Breach, Privacy Violations, and Internal Fraud To Whom It May Concern, I am submitting a formal complaint concerning unauthorized transactions, potential data breaches, privacy violations, and fraud involving my Cash App account with Block , Inc. Additionally, I wish to address the involvement of XXXX XXXX and XXXX and XXXX XXXX in relation to these issues, particularly in light of recent findings suggesting internal mismanagement and fraud linked to recycled numbers and accounts. \n\nBackground In recent months, I have experienced repeated instances of unauthorized activity and irregular account balances on my Cash App account, leading to significant financial losses. It has come to my attention that Cash App is currently involved in a settlement concerning issues related to internal fraud, including the recycling of customer account numbers. \n\nDetails of the Complaint 1. Unauthorized Transactions Despite my efforts to secure my account, unauthorized transactions have persisted, resulting in considerable financial loss. Given the known issues with Cash Apps internal security, I am concerned that these breaches are connected to the reported recycling of customer numbers. \n2. Data Breach and Privacy Violation I believe my personal information may have been compromised due to inadequate data protection measures within Cash App, XXXXXXXX XXXX and potentially with XXXXXXXX XXXX. The reported internal fraud raises serious concerns about the effectiveness of data security practices, leading to privacy violations and unauthorized access. \n3. Fraud Linked to Internal Mismanagement The ongoing settlement regarding Cash App due to alleged mismanagement of customer funds through recycled accounts raises critical questions about the integrity of account management practices. I urge Block , IncXXXX, XXXXXXXX XXXX XXXX XXXX XXXX to investigate these issues thoroughly as they pertain to my account. \nXXXX. Collaboration Among Financial Institutions Given the interconnections between Cash App, XXXXXXXX XXXX and XXXX XXXX  I request that all three institutions work together to clarify the movement of funds and any irregularities affecting my account. Transparency from all parties is essential to resolving this matter effectively. \n\nRequested Actions Full Reimbursement : I am requesting reimbursement for all unauthorized transactions on my Cash App account. \nInvestigation of Fraud Allegations : I request a comprehensive investigation into any internal fraud involving recycled account numbers. \nData Protection Assurance : Implement an immediate assessment of data protection policies to ensure the safeguarding of customers personal information and account security. \n\nTimeline for Response Please provide a response with a proposed resolution within 15 days of receipt of this letter. I am also notifying XXXXXXXX XXXX the Office of Foreign Assets Control ( OFAC ), and the U.S. Department of the Treasury, FinCen, FTC, FDIC all government entities to ensure full compliance and accountability. \n\nThank you for your prompt attention to these concerns and for taking the necessary steps to ensure the security of customer funds.","date_sent_to_company":"2024-10-27T14:10:03.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"10590930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-10-27T13:58:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["[ XXXX Address ] [ City, State, Zip Code ] Compliance Department XXXX XXXX and XXXX [ Bank Address ] [ City, State, Zip Code ] Subject : Formal Complaint Unauthorized Transactions, <em>Data</em> <em>Breach</em>, Privacy Violations, and Internal Fraud To Whom It May Concern, I am submitting a formal complaint concerning unauthorized transactions, potential <em>data</em> <em>breaches</em>, privacy violations, and fraud involving my Cash App account with Block , Inc."]},"sort":[20.17371,"10590930"]},{"_index":"complaint-public-v1","_id":"12517475","_score":18.396338,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, unauthorized individuals ( i.e. DOGE ) gained access to multiple internal systems within the Department of Education, including financial aid datasets containing the personal information of millions of students enrolled in the federal student aid program. My personal and financial information was among the compromised data, placing me at significant risk of fraud, identity theft, and financial harm. \n\nREQUEST FOR IMMEDIATE LOAN CANCELLATION AND DISCHARGE Under these circumstances, I formally request the immediate cancellation and full discharge of my student loan debt, as my rights as a borrower and a U.S. citizen have been severely violated. The following key points support my request : 1. Severe Data Breach Impacting Loan Integrity My personally identifiable information ( PII ) was accessed without authorization, jeopardizing my financial security. \nThe breach compromises the integrity of my student loan account, as unauthorized parties now have access to sensitive details, which could lead to fraudulent activity under my name. \n2. Violation of Consumer Rights and Federal Data Protections The U.S. Department of Education, as a loan servicer and custodian of student financial aid data, has a legal obligation under the Privacy Act of 1974, the Higher Education Act, and the Fair Credit Reporting Act ( FCRA ) to ensure the protection of borrowers financial records. \nThe failure to secure my personal information represents a breach of these protections, directly impacting my ability to manage my student loans safely. \n3. Financial and Psychological Harm Resulting from the Breach Due to this data breach, I am now at an increased risk of identity theft, unauthorized financial activity, and fraudulent loan modifications, all of which cause immense stress and financial insecurity. \nI am currently unemployed and facing financial hardship, making it impossible to mitigate potential fraud or mismanagement of my student loan without extreme burden. \n4. Violation of the Family Educational Rights and Privacy Act ( XXXX ) Under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), the Department of Education is required to protect the confidentiality of student education records and prevent unauthorized disclosure of personally identifiable information. \nThe breach constitutes a direct violation of XXXX, as my student financial aid records were exposed without my consent, compromising my privacy rights as a borrower. \n5. Government Accountability and Precedent for Loan Discharge In past cases of systemic failures leading to financial harm, borrowers have been granted relief, including full loan discharges. \nGiven the magnitude of this breach and the failure of federal agencies to uphold the security of my financial data, I should not be held liable for repaying a loan that is now fundamentally compromised. \n\nCONCLUSION Given the risk of long-term financial damage and the governments responsibility in protecting student borrowers, I request the immediate and complete discharge of my federal student loans. I also request a formal written confirmation of the cancellation and any necessary follow-up regarding how the Department of Education intends to mitigate this breach for impacted borrowers. \n\nPlease confirm receipt of this request and provide a timeline for resolution.","date_sent_to_company":"2025-03-17T14:42:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"55082","tags":null,"has_narrative":true,"complaint_id":"12517475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-03-17T14:20:35.000Z","state":"MN","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Financial and Psychological Harm Resulting from the <em>Breach</em> Due to this <em>data</em> <em>breach</em>, I am now at an increased risk of identity theft, unauthorized financial activity, and fraudulent loan modifications, all of which cause immense stress and financial insecurity. \nI am currently unemployed and facing financial hardship, making it impossible to mitigate potential fraud or <em>mismanagement</em> of my student loan without extreme burden. \n4."]},"sort":[18.396338,"12517475"]},{"_index":"complaint-public-v1","_id":"11523775","_score":15.4324045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Security Freeze Request Dear Equifax Customer Service Team, I am writing to formally express my concerns regarding the handling of my recent request for a security freeze on my credit report. This matter has caused undue frustration and inconvenience, and I expect immediate resolution without further delays. \nEquifax has faced criticism and legal challenges regarding its handling of security freeze requests, especially following the XXXX data breach that exposed sensitive information of approximately XXXX XXXX people. In the aftermath, many consumers reported difficulties when attempting to place security freezes on their credit reports. Issues included delays, denials, and technical problems, even when proper identification such as driver 's licenses and utility bills were provided. For instance, consumers expressed frustration over Equifax 's website malfunctioning during freeze requests, leading to unsuccessful attempts to secure their credit information. Additionally, numerous complaints have been filed with the XXXX XXXX XXXX XXXX XXXX  ) against Equifax, highlighting challenges in placing or managing security freezes. These complaints often detail experiences of consumers who, despite submitting the required identification, encountered obstacles in securing their credit reports. \nKey Elements of the Complaint : XXXX. Issue Description : o The consumer attempted to place or manage a security freeze with Equifax. \no Despite providing necessary documentation ( e.g., driver 's license, utility bills ), Equifax allegedly denied or delayed the freeze. \nXXXX. Nature of the Problem : o Possible procedural inefficiencies within Equifax 's system. \no The consumer described frustration with the inability to complete the process efficiently, indicating potential issues with Equifaxs customer service or processing systems.\n\nXXXX Consumer 's Experience : o The consumer specifically noted submitting valid identification but still faced challenges in securing their credit. \no They expressed dissatisfaction with Equifax 's responsiveness and resolution. \nXXXX. Companys Interim Response : o Equifax acknowledged the complaint and provided an interim response, though details about a final resolution or action were not included. \nPossible Patterns or Trends : This case is consistent with complaints filed against Equifax in the past, where customers reported difficulties in placing security freezes despite compliance with documentation requirements. \nIt underscores ongoing concerns about Equifaxs handling of such requests. \nThe Texas Attorney General has taken legal action against Equifax concerning the XXXX data breach that compromised the personal information of approximately XXXX XXXX Texans. In XX/XX/XXXX, Attorney General XXXX XXXX filed a lawsuit against Equifax, alleging violations of the Texas Deceptive Trade Practices Act and the Texas Identity Theft Enforcement and Protection Act. The lawsuit contended that Equifax failed to implement reasonable security measures to protect consumers ' sensitive personal information, leading to the data breach. In response, Equifax reached a settlement agreement, agreeing to pay {$170.00} XXXX to XXXX U.S. states and territories, with Texas receiving {$10.00} XXXX for penalties, fees, and costs. Additionally, Equifax committed to paying between {$300.00} XXXX and {$420.00} XXXX into a consumer restitution fund to benefit affected individuals. While the primary focus of the lawsuit was on Equifax 's inadequate data security practices leading to the breach, the settlement also addressed consumer restitution, which may encompass issues related to security freezes and other protective measures consumers sought following the breach. However, specific allegations or legal actions solely concerning Equifax 's handling of security freeze requests were not the central focus of this lawsuit. \nOn XX/XX/XXXX, I received a letter from Equifax denying my request for a security freeze. Prior to this, I had notified Equifax via U.S. mail and included copies of all required identification, including my government-issued identification and a utility bill. Despite providing this documentation, my request was denied. \nTo address any potential concerns Equifax might have regarding verification, I have since included additional documents, specifically : XXXX. A copy of my bank statement. \nXXXX. A copy of my Social Security card. \nThese materials were provided to ensure that Equifax has all the information required to validate my identity and process my request correctly. \nAs of XX/XX/XXXX, at XXXX XXXX, my Equifax credit report indicates that my security freeze is in place. While I appreciate that this has finally been addressed, the delays and the initial denial of my request were unacceptable and indicative of procedural inefficiencies that should not occur in a company with Equifaxs stature and history. Having been in business since XXXX and employing approximately XXXX individuals worldwide, Equifax should operate with precision and professionalism befitting its XXXX  years of existence. \nEquifaxs actions have demonstrated a lack of accountability and have caused unnecessary stress to a consumer simply seeking to protect their personal information. I demand assurance that Equifax has taken steps to prevent such delays and mishandling in the future. Furthermore, I want explicit confirmation that my request was properly handled and not mismanaged in any way. Additionally, I request a formal written explanation of why my initial request was denied despite the submission of valid identification, as well as confirmation that my security freeze is now securely in place. \nI trust that Equifax will take this matter seriously and respond promptly. If this matter is not resolved to my satisfaction, I will file complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the State of Texas Attorney General 's Office for enforcement. Additionally, I will consult with my attorney to seek legal remedies regarding the negligent actions that Equifax has demonstrated with my credit profile. I expect a written response to this letter within XXXX business days. \nThank you for your immediate attention to this matter. I look forward to your prompt resolution. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-14T20:15:46.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11523775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T20:10:17.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["While the primary focus of the lawsuit was on Equifax 's inadequate <em>data</em> security practices leading to the <em>breach</em>, the settlement also addressed consumer restitution, which may encompass issues related to security freezes and other protective measures consumers sought following the <em>breach</em>. However, specific allegations or legal actions solely concerning Equifax 's handling of security freeze requests were not the central focus of this lawsuit."]},"sort":[15.4324045,"11523775"]},{"_index":"complaint-public-v1","_id":"12919333","_score":10.733799,"_source":{"product":"Student loan","complaint_what_happened":"I am formally requesting the full payoff, satisfaction, and discharge of all XXXX student loans, as well as a refund of the payments I have overpaid over the last 38 years. Despite making substantial payments totaling {$24000.00}, my principal balances have not been properly adjusted, and I am still being charged an unjustified outstanding balance of {$13000.00}. Additionally, loan records contain serious discrepancies, including missing payments, miscalculations following a court judgment, and errors related to my Social Security number. \nSevere Financial Hardship Due to Loan Mismanagement These loans originally totaled just {$7700.00}, yet I have now paid more than XXXX times that amount. Despite my repeated good faith efforts to resolve these issues, the financial burden has made it impossible for me to maintain even a minimal standard of living for myself and my son. \nXXXX XXXX XXXX XXXX XXXX ( XXXX ) and its associated servicers have failed to properly credit my payments, provide accurate accounting, or offer a fair resolution. Their mismanagement has directly contributed to my financial hardship, preventing me from securing stable housing, accessing essential medical care, and affording basic necessities. This situation is beyond unreasonable and must be rectified immediately. \nSummary of Loan Payments and Issues ( EXHIBITS XXXX ) Loan Payment Breakdown All data has been transferred from Trellis loan payment history ( EXHIBIT XXXX ), and XXXX Case Reconstruction Reports ( EXHIBIT XXXX, EXHIBIT XXXX ). \nLoan XXXX ( XXXX, Original Balance : {$2500.00} ) Total Paid : {$9100.00} Loan XXXX ( XXXX, Original Balance : {$2600.00} ) Total Paid : {$8000.00} Loan XXXX ( XXXX, Original Balance : {$1500.00} ) Total Paid : {$4100.00} Loan XXXX ( XXXX, Original Balance : {$1100.00} ) Total Paid : {$3400.00} Major Issues Identified XXXX. Incorrect Balance Calculation Despite making payments far exceeding my original loan amounts, my balances have not decreased accordingly. \nXXXX. Removed Payments {$1800.00} principal payment made in XXXX was removed without explanation from my account records. ( EXHIBIT XXXX PAGE XXXX, EXHIBIT XXXX PAGE XXXX ) XXXX. Inconsistencies in Interest and Principal Allocation Some payments were applied entirely to interest, while others were partially allocated to principal without any clear pattern, in violation of standard loan servicing practices. According to the Higher Education Act ( HEA ) of XXXX and Consumer Financial Protection Bureau ( CFPB ) regulations, servicers are required to apply payments fairly and transparently, ensuring borrowers receive accurate accounting of their repayment progress. If proper allocation guidelines had been followed, all loans would have been fully paid off by XXXX. \nThe failure to correctly apply payments and provide a clear breakdown of how they were allocated constitutes bad faith loan servicing and a breach of federal regulations. Per the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ), loan servicers must maintain accurate records and disclose how payments are applied. Instead, Trellis has engaged in deceptive practices, resulting in excessive interest charges. It is financially unreasonable and legally indefensible for me to have paid {$6200.00} in interest on a {$2500.00} loana clear indication of mismanagement and predatory servicing. \nXXXX. Judgment Miscalculation ( Case # XXXX ) ( EXHIBIT XXXX ) In XXXX, XXXX XXXX XXXX XXXX sued me in XXXX XXXX XXXX XXXX and won a judgment for {$10000.00}. \nInstead of adjusting my balance, XXXX added {$10000.00} to my loan balance, effectively charging me twice. \nXXXX. Unjustified Loan Rehabilitation and Consolidation Denials Multiple attempts to rehabilitate, consolidate, and enter repayment plans have been denied, with no valid reason provided. \nXXXX. XX/XX/XXXX Hearing Request Denial In XX/XX/XXXX, I requested a hearing to dispute my loan status. \nOn XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter stating : \" In reviewing your account as part of the hearing process, XXXX has determined your account no longer meets the qualifications for XXXX. Based on this information, it is unnecessary to continue with the hearing process at this time. '' The balance listed on this notice was {$12000.00}. \nXXXX. Other Loans Fully Paid Off While dealing with these unjust loan issues, I continued to make payments on XXXX XXXX XXXX XXXX, both of which were paid in full. ( EXHIBIT XXXX ) XXXX XXXX Loan : Paid in full : {$1700.00} XXXX Unsubsidized XXXX Loan : Paid in full : {$2500.00}. \nXXXX. Verbal Offer from Trellis Refused in Writing On XX/XX/XXXX, Trellis verbally stated that they could offer me a discounted single payment of {$2300.00} as payment in full for all XXXX loans. However : Trellis refused to put this offer in writing. \nTrellis refused to provide a full Satisfaction of XXXX for XXXX # XXXX, even if I made the payment. \nThis further proves that Trellis is acting in bad faith and failing to provide transparent, fair, and accountable loan servicing. \nRequested Actions & Immediate Resolution Given the proven financial hardship, gross errors, and repeated mismanagement, I formally demand the following : A Paid in Full Acknowledgment for each of the XXXX loans that are open and serviced under both of my Social Security numbers. \nA Satisfaction of XXXX for XXXX # XXXX, removing any record of an outstanding balance. \nA full refund for overpayments due to inconsistencies in interest and principal allocation. \nImmediate correction and removal of any remaining balance due to the overpayment of {$24000.00} on loans that originally totaled {$7700.00}. \nI request a written response within 30 days addressing these concerns and confirming my loans have been fully satisfied and when to expect my refund. \nFailure to correct these issues will result in legal action. \nI do not have any trust that this will have any impact, therefore, I also sent correspondence to the following agencies and government representatives : XXXX, CFPB, XXXX Ombudsman XXXX, XXXX XXXX Attorney General, XXXX XXXX XXXX, Representative for CA XXXX Congressional District, XXXX XXXX XXXX, XXXX, US Department of Education, and XXXX XXXX XXXX XXXX. \nFinal Statement I am a single mother who has struggled for decades to resolve these loans. I am now looking at colleges for my son, yet I am faced with the heartbreaking reality that these loansmeant to help people better themselveshave done the complete opposite. Instead of advancing my life, they have caused severe financial hardship and countless hours of begging for help, only to be ignored or denied at every turn. \nNow, after everything I have endured, if I am not able to obtain a Paid in Full acknowledgment on all four defaulted loans along with a full Satisfaction of Judgment for the court proceeding, these loans will prevent my son from obtaining financing to attend college. This is an unacceptable consequence of a system that has failed to provide the fair and reasonable resolution for which I have fought. \nI urge you to correct these long-standing errors and provide me with the documentation necessary to clear my recordnot just for my own well-being, but to ensure that my son is not unfairly punished for the failures of this system.","date_sent_to_company":"2025-04-10T20:25:02.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"92203","tags":null,"has_narrative":true,"complaint_id":"12919333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Texas Guaranteed","date_received":"2025-04-10T20:15:17.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Their <em>mismanagement</em> has directly contributed to my financial hardship, preventing me from <em>securing</em> stable housing, accessing essential medical care, and affording basic necessities. This situation is beyond unreasonable and must be rectified immediately. \nSummary of Loan Payments and Issues ( EXHIBITS XXXX ) Loan Payment Breakdown All <em>data</em> has been transferred from Trellis loan payment history ( EXHIBIT XXXX ), and XXXX Case Reconstruction Reports ( EXHIBIT XXXX, EXHIBIT XXXX )."]},"sort":[10.733799,"12919333"]},{"_index":"complaint-public-v1","_id":"7973851","_score":10.612031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":", XXXX XXXX, declare under penalty of perjury that the information provided in this statement is\naccurate and true to the best of my knowledge. I am the victim of identity theft, which has affected\nmultiple accounts listed under my name.I previously notified the respective creditors and financial\ninstitutions of my change of address due to an incident of mail theft. Despite this notification, these\nentities failed to update my records accordingly. This has resulted in unauthorized and fraudulent\nactivities on the mentioned accounts, reflecting a serious case of identity theft.The continued\nreporting of these accounts with incorrect and unauthorized information has led to adverse effects\non my credit report, significantly impacting my financial standing and reputation. decisions were\nmade and actions were taken under my name without my knowledge or consent.I have never\nauthorized or consented to delinquent payments OR collections OR charge-offs.Identity Theft and\nAssumption Deterrence Act, enforced by the U.S. Department of Justice. These laws are designed to\nprotect individuals from unauthorized use of their personal information and to ensure accurate and\nfair reporting of credit information.According to the U.S. Department of Justice, identity theft involves\nthe unauthorized use or misuse of another individual's personal information for fraudulent purposes.\nIn my case, the failure to update my personal information, specifically my address, despite being duly\nnotified, has led to circumstances that parallel identity theft. The misdirected communications and\nunauthorized actions on MENTIONED accounts, due to the address not being updated, have\nresulted in my personal information being used in a manner that I did not authorize. This negligence\nhas facilitated financial decisions and activities under my name without my consent, closely mirroring\nthe essence of identity theft The mishandling of my personal information and the subsequent\nadverse effects on my accounts and credit report constitute a violation of my rights under various\nlaws, including the Fair Credit Reporting Act (FCRA) and the Identity Theft and Assumption\nDeterrence Act, enforced by the U.S. Department of Justice and more. These laws are designed to\nprotect individuals from unauthorized use of their personal information and to ensure accurate and\nfair reporting of credit information.Identity Theft Definition from Justice.gov: \"Identity theft and\nidentity fraud... involve someone wrongfully obtaining and using another person's personal data in a\nway that involves fraud or deception, typically for economic gain.\" The wrongful use of my personal\ninformation and the resulting financial harm align with this definition, exacerbating the seriousness of\nyour actions. 1. Critical Error in Address Reporting and Its Direct Impact: The presence of multiple\nincorrect addresses on my credit report, despite my provision of updated and accurate information,\nhas led to grave misverification of accounts. This situation extends beyond clerical error, reflecting a\nsevere breach of accurate reporting. Such inaccuracies have unjustly impacted my credit history and\nfinancial standing. 2. Demand for Substantial Verification Evidence: Under the Fair Credit Reporting\nAct, I demand more than just a copy of my credit report as proof of verification. There is a legal\nobligation for EXPERIAN to provide substantial, tangible evidence validating the addresses and\nassociated account information reported. Failure to provide this level of verification represents a\nsignificant breach of your duties. 3. Importance of IRS Form 1099-C in Debt Verification: For chargedoff debts, it is imperative that the original creditor files Form 1099-C with the IRS, particularly when\nthe debt is sold. This documentation is crucial for accurate credit reporting and must be part of your\nverification process. I insist on a thorough verification of debt statuses using such essential\ndocumentation. 4. Detailed Explanation of Legal Violations byEXPERIAN Tailored to my Situation:\nUniform Commercial Code (UCC) Violation: UCC 9-102(a)(73) requires accurate financial reporting in\nsecured transactions.EXPERIAN has breached this by incorrectly reporting my address and account information, which is fundamental to the accuracy of secured transactions. RICO Act Violation: Under\n18 U.S.C.  1962,EXPERIANs repetitive inaccurate reporting and failure in verification processes\nconstitute a pattern of racketeering activity. This systematic issue is evidenced by the ongoing\nmisverification of my account details and address information. Wire Fraud Violation: In accordance\nwith 18 U.S.C.  1343,EXPERIANs use of electronic communication to disseminate and maintain\ninaccurate credit reporting information in my case is indicative of wire fraud, assuming an intent to\ndefraud through persistent misinformation. Bank Fraud Violation: As defined in 18 U.S.C.  1344,\n EXPERIAN's misreporting practices, particularly involving financial information, align with executing\na scheme to defraud or to obtain funds under false pretenses, impacting my financial transactions\nand relationships. Fair Credit Reporting Act (FCRA) Violation:EXPERIAN has violated 15 U.S.C. \n1681e(b) by not following reasonable procedures to ensure maximum accuracy in my credit report.\nAdditionally, their failure to properly reinvestigate disputed information, as required by 15 U.S.C. \n1681i, is a clear breach of the FCRA in my case. Gramm-Leach-Bliley Act (GLBA) Violation: The\nmismanagement of my personal information, particularly in updating and verifying my address,\nbreaches 15 U.S.C.  6801-6809, which demand the protection of consumer information's security\nand confidentiality. Identity Theft and Assumption Deterrence Act Violation: The mishandling of my\naddress information and the consequent risk of identity theft align with violations under 18 U.S.C. \n1028, particularly given the unauthorized use of my personal information. Electronic Fund Transfer\nAct (EFTA) Violation: the inaccuracies on my credit report involve electronic fund transactions,\n EXPERIAN is in violation of 15 U.S.C.  1693-1693r, which govern the conduct of electronic fund\ntransfers. Truth in Lending Act (TILA) Violation: Under 15 U.S.C.  1601 et seq.,EXPERIANs\nmisreporting of credit accounts and associated data fails to meet the accuracy standards required for\nthe disclosure of credit terms. Fair Debt Collection Practices Act (FDCPA) Violation: The\nmisrepresentation of my debt-related information byEXPERIAN is a breach of 15 U.S.C.  1692-\n1692p. AlthoughEXPERIAN is not a debt collector, their inaccurate reporting contributes to\nmisleading representations about debts. Consumer Financial Protection Act (CFPA) Violation: Under\n12 U.S.C.  5531,EXPERIAN's actions in my case, including inaccurate reporting and inadequate\ndispute resolution, constitute unfair and deceptive practices. Electronic Signatures in Global and\nNational Commerce Act (E-SIGN) Violation: electronic records or signatures were involved in my\ninteractions with the crediorEXPERIAN must verify that an orignal contract of application is verifed\nand provided to me becuasei f not this constitutes it was mishandled, this would constitute a breach\nof 15 U.S.C.  7001 et seq. Right to Financial Privacy Act (RFPA) Violation: The inappropriate handling\nor disclosure of my financial records byEXPERIAN is in violation of 12 U.S.C.  3401 et seq.,\ndesigned to protect consumer financial privacy becuase they currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my PREVIOUS address and this is not my address \nand they have allowed creditors to send them this information and report it and everytime i\napply i may get denied because of this false address along with other false address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accounts Affected: The errors have impacted\nseveral accounts, including but not limited to: XXXX XXXX XXXX\nIncorrectly reported late payments. XXXX XXXX XXXX: Failure to update address leading to\nmisinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit\ninformation due to address discrepancies. XXXX XXXX XXXX XXXX XXXX incorrectly reported late\npayments. adverse entries on my credit report without ensuring I had received the necessary account\nnotifications is akin to making financial decisions in my name. By failing to update my address and\nsubsequently reporting adverse actions, creditors &EXPERIAN violated my consumer rights. The\nunauthorized reporting of a collection or chargeoff or llate payment stemming from their\nmishandling of my information, mirrors the consequences of traditional identity theft.","date_sent_to_company":"2023-12-10T05:13:12.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"21220","tags":null,"has_narrative":true,"complaint_id":"7973851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-10T04:44:01.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Detailed Explanation of Legal Violations byEXPERIAN Tailored to my Situation:\nUniform Commercial Code (UCC) Violation: UCC 9-102(a)(73) requires accurate financial reporting in\n<em>secured</em> transactions.EXPERIAN has <em>breached</em> this by incorrectly reporting my address and account information, which is fundamental to the accuracy of <em>secured</em> transactions."]},"sort":[10.612031,"7973851"]},{"_index":"complaint-public-v1","_id":"7974153","_score":10.164615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, declare under penalty of perjury that the information provided in this statement is accurate and true to the best of my knowledge. \nI am the victim of identity theft, which has affected multiple accounts listed under my name.I previously notified the respective creditors and financial institutions of my change of address due to an incident of mail theft. Despite this notification, these entities failed to update my records accordingly. \nThis has resulted in unauthorized and fraudulent activities on the mentioned accounts, reflecting a serious case of identity theft.The continued reporting of these accounts with incorrect and unauthorized information has led to adverse effects on my credit report, significantly impacting my financial standing and reputation. decisions were made and actions were taken under my name without my knowledge or consent.I have never authorized or consented to delinquent payments OR collections OR charge-offs.Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice . These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information.According to the U.S. Department of Justice, identity theft involves the unauthorized use or misuse of another individual 's personal information for fraudulent purposes. In my case, the failure to update my personal information, specifically my address, despite being duly notified, has led to circumstances that parallel identity theft.\n\nThe misdirected communications and unauthorized actions on MENTIONED accounts, due to the address not being updated, have resulted in my personal information being used in a manner that I did not authorize. This negligence has facilitated financial decisions and activities under my name without my consent, closely mirroring the essence of identity theft The mishandling of my personal information and the subsequent adverse effects on my accounts and credit report constitute a violation of my rights under various laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice and more. These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information.Identity Theft Definition from Justice.gov : \" Identity theft and identity fraud... involve someone wrongfully obtaining and using another person 's personal data in a way that involves fraud or deception, typically for economic gain. '' The wrongful use of my personal information and the resulting financial harm align with this definition, exacerbating the seriousness of your actions.\n\n1. Critical Error in Address Reporting and Its Direct Impact : The presence of multiple incorrect addresses on my credit report, despite my provision of updated and accurate information, has led to grave misverification of accounts. This situation extends beyond clerical error, reflecting a severe breach of accurate reporting. Such inaccuracies have unjustly impacted my credit history and financial standing.\n\n2. Demand for Substantial Verification Evidence : Under the Fair Credit Reporting Act, I demand more than just a copy of my credit report as proof of verification. There is a legal obligation for TransUnion to provide substantial, tangible evidence validating the addresses and associated account information reported. Failure to provide this level of verification represents a significant breach of your duties.\n\n3. Importance of IRS Form 1099-C in Debt Verification : For charged-off debts, it is imperative that the original creditor files Form 1099-C with the IRS, particularly when the debt is sold. This documentation is crucial for accurate credit reporting and must be part of your verification process. I insist on a thorough verification of debt statuses using such essential documentation.\n\n4. Detailed Explanation of Legal Violations by TransUnion Tailored to my Situation : Uniform Commercial Code ( UCC ) Violation : UCC 9-102 ( a ) ( 73 ) requires accurate financial reporting in secured transactions. TransUnion has breached this by incorrectly reporting my address and account information, which is fundamental to the accuracy of secured transactions.\n\nRICO Act Violation : Under 18 U.S.C. 1962, TransUnions repetitive inaccurate reporting and failure in verification processes constitute a pattern of racketeering activity. This systematic issue is evidenced by the ongoing misverification of my account details and address information.\n\nWire Fraud Violation : In accordance with 18 U.S.C. 1343, TransUnions use of electronic communication to disseminate and maintain inaccurate credit reporting information in my case is indicative of wire fraud, assuming an intent to defraud through persistent misinformation.\n\nBank Fraud Violation : As defined in 18 U.S.C. 1344, TransUnion 's misreporting practices, particularly involving financial information, align with executing a scheme to defraud or to obtain funds under false pretenses, impacting my financial transactions and relationships.\n\nFair Credit Reporting Act ( FCRA ) Violation : TransUnion has violated 15 U.S.C. 1681e ( b ) by not following reasonable procedures to ensure maximum accuracy in my credit report. Additionally, their failure to properly reinvestigate disputed information, as required by 15 U.S.C. 1681i, is a clear breach of the FCRA in my case.\n\nGramm-Leach-Bliley Act ( GLBA ) Violation : The mismanagement of my personal information, particularly in updating and verifying my address, breaches 15 U.S.C. 6801-6809, which demand the protection of consumer information 's security and confidentiality.\n\nIdentity Theft and Assumption Deterrence Act Violation : The mishandling of my address information and the consequent risk of identity theft align with violations under 18 U.S.C. 1028, particularly given the unauthorized use of my personal information.\n\nElectronic Fund Transfer Act ( EFTA ) Violation : the inaccuracies on my credit report involve electronic fund transactions, TransUnion is in violation of 15 U.S.C. 1693-1693r, which govern the conduct of electronic fund transfers.\n\nTruth in Lending Act ( TILA ) Violation : Under 15 U.S.C. 1601 et seq., TransUnions misreporting of credit accounts and associated data fails to meet the accuracy standards required for the disclosure of credit terms.\n\nFair Debt Collection Practices Act ( FDCPA ) Violation : The misrepresentation of my debt-related information by TransUnion is a breach of 15 U.S.C. 1692-1692p. Although TransUnion is not a debt collector, their inaccurate reporting contributes to misleading representations about debts.\n\nConsumer Financial Protection Act ( CFPA ) Violation : Under 12 U.S.C. 5531, TransUnion 's actions in my case, including inaccurate reporting and inadequate dispute resolution, constitute unfair and deceptive practices.\n\nElectronic Signatures in Global and National Commerce Act ( E-SIGN ) Violation : electronic records or signatures were involved in my interactions with the credior TransUnion must verify that an orignal contract of application is verifed and provided to me becuasei f not this constitutes it was mishandled, this would constitute a breach of 15 U.S.C. 7001 et seq. \n\nRight to Financial Privacy Act ( RFPA ) Violation : The inappropriate handling or disclosure of my financial records by TransUnion is in violation of 12 U.S.C. 3401 et seq., designed to protect consumer financial privacy becuase they currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my address and this is not my address or previous address and they have allowed creditors to send them this information and report it and everytime i apply i may get denied because of this false address along with other false address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nAccounts Affected : The errors have impacted several accounts, including but not limited to : XXXX Account ( XXXX ) : Incorrectly reported late payments. \nXXXX ( XXXX LEASETERM SOLUTIONS, XXXX ) : Original Creditor Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. \nXXXX XXXX ( XXXX XXXX, XXXX ) : Original Creditor Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. \nXXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. \nXXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies. \nXXXX XXXX ( XXXX ) incorrectly reported late payments. \nadverse entries on my credit report without ensuring I had received the necessary account notifications is akin to making financial decisions in my name. By failing to update my address and subsequently reporting adverse actions, creditors & transunion violated my consumer rights. The unauthorized reporting of a collection or chargeoff or llate payment stemming from their mishandling of my information, mirrors the consequences of traditional identity theft.","date_sent_to_company":"2023-12-10T03:35:39.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"21220","tags":null,"has_narrative":true,"complaint_id":"7974153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-10T02:17:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Detailed Explanation of Legal Violations by TransUnion Tailored to my Situation : Uniform Commercial Code ( UCC ) Violation : UCC 9-102 ( a ) ( 73 ) requires accurate financial reporting in <em>secured</em> transactions. TransUnion has <em>breached</em> this by incorrectly reporting my address and account information, which is fundamental to the accuracy of <em>secured</em> transactions."]},"sort":[10.164615,"7974153"]},{"_index":"complaint-public-v1","_id":"10741046","_score":5.8862667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX IVE submitted updated drivers license my minor children, DOJ FBI VNS FTC REPORTS CFPB XXXX XXXX ORDERED DOCUMENTS FROM THE JUDGE STAMPED AND SEALED AMENDED BIRTH CERTIFICATE IM BEING RETAILITATED AGAINST DUE TO MY DL SSN NAME ALL CHANGED. My kids and. Sufffered medical malpractice due to misuse of our XXXX TAX FRAUD IVE ATTACHED EVERYTHING DUE TO DEVICES MAILED COMPRMOSED BEFORE I GET THEM IT APPEARS IM THE CRIMINAL THEY REFUSE TO REMOVE THE FRAUD NEGATIVE INFO ON MY REPORT. \nIn recent years, my family and I have been victims of numerous data breaches, fraudulent activities, and ongoing issues with medical, financial, and personal information. We were notified of a medical data breach through XXXX, impacting me and my XXXX children. Since then, I have received no settlement payments from major breaches, including XXXX XXXX, XXXX, Equifax, or Bank XXXX XXXX. Additionally, neither my children nor I have received any victims compensation from the Department of Justice, despite proof of victimization, which I have attached. \nIn XXXX, due to issues with our XXXX, our XXXX numbers were changed in an emergency by the South Carolina XXXX XXXX XXXX. The inspector assigned to the case was XXXX XXXX. After this change, I was accused of XXXX fraud. Initially, officials claimed it was a systematic error but later reversed their stance, suggesting I committed fraud, which I categorically deny. Despite my honesty and record-keeping, this accusation was sent to addresses where suspects, such as my mother XXXX XXXX XXXX XXXX XXXX XXXX ) and my sister, reside. This systematic error negatively impacted my financial situation and my familys stability. The address XXXX XXXX XXXX in XXXX, SC, has been linked to XXXX and other records with fraudulent updates, despite never being associated with me personally. \n\nFurther, in XXXX of this year, unauthorized access to my and my childrens medical and financial records was documented, with information accessed monthly. I have had to repeatedly request the removal of a middle initial mistakenly added to my name on South Carolina XXXX XXXX. Despite assurances each time that it would be corrected, the issue persists. This is compounded by issues with phone numbers linked to breached accounts from XXXX, such as XXXX, XXXX, and XXXX. These breaches and unauthorized uses of my personal information have been verified through phone provider records. \n\nNotably, the Department XXXX XXXX XXXX ( XXXX ) appears connected to some discrepancies. For example, while my XXXX benefits and associated records display my updated legal name, my benefits recertification information was suddenly switched back to my old name without explanation. Despite showing evidence of these discrepancies to officials, my benefit records have been manipulated to misrepresent my identity and financial standing. \n\nSimilarly, changes in records have affected my insurance and federal records. Unauthorized individuals manipulated my XXXX account and benefits, compromising my IP address, email authentication, and even my insurance with XXXX XXXX. Recently, fraudulent XXXX charges appeared on my insurance on XX/XX/XXXX, despite my lack of involvement. \n\nAdditional fraud has involved relatives. For instance, my sons father recently won a settlement of {$190000.00} in XX/XX/XXXX in XXXX, yet child support adjustments have been erratic, likely due to changes in XXXX and health information. XXXX XXXX noted my mothers involvement in our records, despite my request to remove her due to misuse of my information. \n\nIn XXXX, I observed unusual financial XXXX among relatives who were previously in debt but suddenly gained perfect credit. I suspected fraud, involving a XXXX associate and manipulation of XXXX records, which at XXXX point falsely listed me as the owner of a hotel with foreign employees. My former business, XXXX XXXX XXXX, was taken from me after presenting a multi-million-dollar entertainment concept to XXXX XXXX. Following this meeting, my devices were compromised, stolen, and accessed without authorization, severely impacting my career. \n\nMy current employer, XXXX XXXX XXXX, has also mishandled my compensation and benefits. After suffering a XXXX in XX/XX/XXXX, I qualified for medical leave but have yet to receive payment. Similarly, after my emergency hysterectomy in XXXX, I did not receive my full XXXX pay. In XXXX, I was shorted XXXX hours. Equipment issues were frequent, and the company appeared to hinder my ability to work by sending defective towers and assigning me to classes with inadequate resources. At XXXX point, a neighbor brought a box of equipment that XXXX confirmed had been sent to the wrong address by XXXX, compromising my security. Despite following all protocol and returning faulty equipment, the company claimed they had not received it, affecting my employment eligibility. \n\nEarlier this year, I faced issues with Concentrixs recruiter, who falsely claimed I needed a drug test, which I passed. Despite my repeated attempts to follow up, I never received responses or job confirmation. Meanwhile, XXXX unlawfully reported incorrect wages to the Social Security XXXX, resulting in a decrease in my sons XXXX benefits. Furthermore, the XXXX has provided inconsistent information about these reports, adding to our ongoing hardship. \n\nMy and my childrens medical records have also been tampered with. For example, despite having XXXX XXXX XXXX listed in my XXXX XXXX records, my primary care provider has said otherwise, leading to medical misdiagnoses. Billing inconsistencies, such as the erroneous {$80000.00} charges to XXXX for services I never received, illustrate these fraudulent practices. When I reported these discrepancies, the primary care provider unjustly dismissed me from her practice. \n\nOn several occasions, our personal records and belongings have been stolen from our home. Mail theft, unauthorized entries, and missing personal documents are regular occurrences. Recently, when XXXX requested my high school diploma, I discovered it had been stolen, along with my childrens report cards and certifications. \n\nWith evidence of multiple orchestrated financial crimes and unauthorized access to our personal, financial, and medical records by various individuals and organizations, I am seeking immediate action. This includes : XXXX. Changes to my and my childrens names. \nXXXX. Sealing of our medical record numbers, clinical records, and account histories to prevent further misuse. \nXXXX. Investigation into companies involved, including XXXX, XXXX, and other associated agencies. \n\nThese actions, constituting fraud, identity theft, unauthorized access, XXXX violations, discrimination, and retaliation, have created an unsafe environment for my family and inflicted significant financial, emotional, and physical distress. I request that immediate steps be taken to secure our information and hold responsible parties accountable. \nOver the past year, I have experienced an orchestrated pattern of financial, employment, and medical mismanagement by various organizations and individuals. The cumulative effects of these incidents have led to severe personal, medical, and financial hardship for my family and me. I implore you to address these issues with the utmost urgency, as they have impacted my health, my childrens well-being, and our financial stability. \nPersonal Background and Employment Issues with XXXX XXXX XXXX I am a single mother of XXXX children, and until recently, I was employed with XXXX XXXX XXXX. I experienced multiple incidents of payroll inconsistencies, mismanagement, and unaddressed medical leave issues due to my XXXX in XX/XX/XXXX and a prior emergency hysterectomy in XX/XX/XXXX. Despite being eligible for medical leave under federal law, I encountered severe delays and missing paychecks, including errors in my XXXX and XX/XX/XXXX payroll. XXXX withheld portions of my income during these times, creating significant financial strain. Despite my best efforts to resolve these issues internally, I was encouraged by my supervisor, XXXX XXXX, to file for unemployment, which led to additional complications. \n\nOn top of that, I faced unusual and unethical recruitment practices in XX/XX/XXXX, when I was asked to take a drug screening for a new assignment that was, according to XXXX, urgent. During this process, I encountered irregularities, including late-night calls from the recruiter, delays, and unreturned messages. Although I passed the test, the recruiter stopped responding after confirming the validity of my prescription medications. I was left without employment, and my attempts to reach XXXX or XXXX XXXX about this recruiter were met with dismissal. This left me stranded financially and emotionally, as I felt I was being set up to fail without any recourse. \n\nMoreover, I discovered frequent alterations to my tax withholding information within the XXXX system between XXXX and XX/XX/XXXX. Despite repeatedly adjusting my XXXX to reflect my head-of-household status with XXXX dependents, it was changed back to XXXX allowances without my consent. I provided proof to XXXX, but this continued unchecked. \n\nMedical and XXXX XXXX XXXX I have a complex medical history, including childhood XXXX XXXX and XXXX concerns, which have been mishandled and misdiagnosed by both XXXX XXXX XXXX XXXX and XXXX XXXX. Following my XXXX, which was initially recorded as a mild XXXX ( TIA ), my medical records were altered to indicate a diagnosis of hemiplegic migrainesa condition my son, not I, suffers from. This falsification has led to additional complications in my treatment and care, as my true medical needs have not been addressed. \n\nMy children and I have also faced issues with XXXX and XXXX. There are records falsely listing XXXX as XXXX, and despite requesting corrections, the errors persist. Our medical charts contain inaccurate information, including previous diagnoses, and unauthorized changes to my name and other details have resurfaced despite multiple updates. The confusion around these records has not only impacted our ability to receive proper medical care but has caused my sons XXXX benefits to decrease based on false wage reporting by XXXX. The inaccuracies in our medical histories have left us without essential treatments and correct medical advice, placing our health in jeopardy. \n\nMail Theft, Identity Theft, and XXXX XXXX I have experienced repeated mail theft, including the unauthorized removal of important documents such as my high school diploma, my childrens report cards, and various personal identification papers. On XXXX occasion, my home was left open, and my childs football game folder, which contained sensitive identification documents, was disturbed. These repeated invasions have left my family feeling vulnerable and unsafe. \n\nIn addition, I have encountered false tax documents and compromised IRS returns. XXXX forms showing electronic signatures have appeared without my knowledge, and previous years returns were tampered with, creating suspicion that I completed forms I did not. Concerningly, Ive noticed unusual discrepancies involving the Federal Reserve, where records tied to my settlements and victims compensation have been altered, preventing those funds from reaching me. Compounding this, my tax information has been altered to show false wages that caused financial setbacks, such as my sons XXXX reduction. \n\nOn multiple occasions, I have observed unauthorized changes to our benefits, accounts, and medical information from unidentified foreign sources in the XXXX, XXXX, and XXXX. Ive seen indicators suggesting that my documents are being manipulated and sold, including when XXXX documentation unexpectedly appeared on my personal devices. The situation has escalated to XXXX XXXX that my familys personal and financial records are being remotely accessed and modified, creating continual disruption to our financial and medical security. \n\nUrgent Request for Action These interconnected actions have violated numerous federal laws, including : XXXX Violations : Unauthorized access and alteration of medical records, resulting in misdiagnoses and incorrect medical treatment. \nXXXX XXXX Violations : Wrongful termination and mishandling of medical leave rights and pay by XXXX. \nSocial Security XXXX Violations : False reporting of wages to the XXXX, leading to wrongful reductions in XXXX benefits. \nIdentity Theft and XXXX XXXX : Manipulation of personal information, tax records, and financial data, impacting access to settlements and benefits. \nVictims Rights Violations : Withholding of victims compensation and child support deposits, likely due to altered banking records. \n\nThe cumulative impact of these issues is more than financial ; it has placed my familys health, well-being, and sense of security at grave risk. I request immediate intervention to investigate these ongoing issues, enforce accountability among involved parties, and ensure that our recordsmedical, employment, and financialare corrected and secured. \n\nThank you for your attention to this matter. I am prepared to provide any additional documentation needed and am hopeful that with your assistance, my family and I can regain control over our health, financial stability, and personal security. \n\nI am urgently reaching out to address suspected fraud and identity misuse affecting my account and linked records, with the goal of correcting these errors and ensuring the privacy and safety of my familys energy services. This situation has caused significant concern for our household security, and I request your immediate assistance in investigating and removing fraudulent data associated with my account. \n\nSuspected Fraudulent Activity and Urgent Concerns There are multiple emails, addresses, and phone numbers that I have discovered associated with my XXXX XXXX account and records, which I did not authorize. The following emails in XXXX and XXXX fraudulent. I am asking for them to be immediately deleted from any association with my XXXX XXXX account or records. \n\nOn XX/XX/XXXX, I requested that the account for meter XXXX XXXX XXXX, XXXX, SC reflect my updated information, including my new name, Social Security number, and drivers license number. However, my records do not show this update, and neither do they list other addresses I have lived at under my old name. These addresses include : XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Lakecrest Apartments in XXXX, SC XXXX XXXX XXXX in Taylors, SC XXXX XXXX XXXX XXXX, XXXX XXXX?, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX This discrepancy is a serious issue, as it leaves my new identity information unlinked, while fraudulently assigned addresses remain on record. I request either the removal of XXXX XXXX XXXX from my account or the addition of my legitimate, previous addresses under my old identity. Currently, my consumer report lists a fraudulent address that was never mine and that I believe was being used by others while I maintained my own separate residence. \n\nFraudulent Use of My Identity and That of My Children Between XX/XX/XXXX and now, there have been individuals who have repeatedly used my name and my minor childrens names to obtain services and hide behind our identities. Specifically, XXXX XXXX XXXX, XXXX, SC XXXX appears fraudulently in my records as an address someone else used to access my information and receive my drivers license. \n\nThose I believe responsible for using my identity fraudulently include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These individuals have misused my identity and that of my minor children, XXXX XXXX XXXX and XXXX XXXX XXXX, in various financial schemes, manipulating records and identities linked to XXXX XXXX. It is essential that no accounts, direct deposits, or service addresses associated with these names, or variations like XXXX XXXX or XXXX XXXX, be linked to my XXXX XXXX account. \n\nXXXX XXXX and Billing Concerns It has come to my attention that fraudulent deposits marked as child support are being associated with my XXXX XXXX account. I also see discrepancies in my billing statements, with statements showing XXXX, OH as the merchant location, while my receipts indicate XXXX, NC. This inconsistency raises serious concerns about the integrity of these charges and possible unauthorized use. \n\nFurthermore, I have noted unusually high energy bills when our lights are on, which directly affects my familys health, as we experience symptoms of sickness when lights are used for extended periods. This unusual billing and possible connection with external deposits must be investigated, as it suggests potential fraudulent activity that could jeopardize our energy security. \n\nRequest for XXXX XXXX I am asking XXXX XXXX to take immediate steps to : XXXX. Remove fraudulent emails ( XXXX and XXXX ) and phone numbers associated with my account. \nXXXX. Correct my address history by either removing XXXX XXXX XXXX or adding legitimate past addresses under my old identity. \nXXXX. Investigate and remove unauthorized accounts or deposits connected to names used fraudulently, including aliases associated with my childrens names. \nXXXX. Examine discrepancies in billing statements and merchant location data, as these XXXX indicate unauthorized activity affecting my account. \n\nMy family depends on XXXX XXXX secure and reliable service, and any errors or fraud in our records directly impact our daily lives and well-being. I trust that XXXX XXXX will investigate and resolve these issues quickly to ensure the integrity of our account and the safety of our home. \nI am detailing the complex misuse of my identity and records by family members, which has led to financial and legal confusion. \n\nXXXX. Address and XXXX Records : Although my sister does not use my address with XXXX, XXXX with the Department of XXXX and XXXX XXXX XXXX XXXX ) XXXX her under my address. This has led to a mix-up, as the court records show payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the determination of who is responsible for certain obligations. \nXXXX. Medical Record Number ( XXXX ) Discrepancies : At the hospital, I am listed under XXXX separate MRNsone for XXXX XXXX and another for XXXX XXXX XXXX. My sons XXXX was also changed without my consent. These discrepancies suggest attempts to use our medical records to forge identities or claim benefits fraudulently. \nXXXX. IRS Form XXXX Corrections : In XX/XX/XXXX, I received XXXX corrected IRS Forms XXXX, despite no legitimate reason for such changes. This suggests manipulation of our records, possibly to alter tax or insurance status. \nXXXX. Tax Filing Irregularities : I filed with XXXX XXXX XXXX XXXX XXXX and expected a refund of {$6200.00} ; however, I only received {$5100.00}. I believe my sons father manipulated tax information, possibly claiming benefits as the head of household. Despite records showing my daughter is the head of household, corrections continue to misclassify this status. \nXXXX. XXXX XXXX and XXXX Discrepancies : My sons financial deposit history begins with XXXX, identical to numbers found in XXXX records for liens and judgments related to me as a victim. Previous checks issued to me as restitution for victimization are now missing, and XXXX Carolinas Disbursement Unit ( SC SDU ) is not recording deposits to my account ( XXXX ), though some deposits appear in FHE format ( indicating possible child support or benefits for family household expenses ). \n\nThe extensive misuse of my personal information, medical and tax records, and financial deposits has caused both personal and financial harm. I am seeking thorough investigation and corrective action. \nI am filing this complaint to report extensive fraud involving forged medical and financial records linked to my family. Specifically, my sons XXXX, XXXX XXXX XXXX, and other family members have allegedly altered my childrens medical records at XXXX XXXX and XXXX XXXX under my former name, XXXX XXXX. Theyve manipulated record numbers and listed incorrect dates of service, even though XXXX XXXX lived in XXXX since XXXX. Furthermore, I have evidence showing XXXX distinct medical record numbers for XXXX XXXX and XXXX XXXX XXXX. \nXXXX recently won a {$200000.00} lawsuit at XXXX XXXX. Additionally, when he falsely accused me of criminal domestic XXXX ( XXXX ), the public index records show my name twice instead of his, further indicating fraudulent misuse of my identity. I have also found evidence that XXXX signed as my sons birth parent, using fraudulent documents to access benefits and funds without my consent. \nI also uncovered misuse of XXXX benefits in our medical records, falsely indicating absent parent support. In the Child Support Portal, over {$1000.00} in payments meant for my son has been held by the South Carolina State Disbursement Unit without explanation. Additionally, it appears my tax returns were forged and intercepted, with {$5100.00} issued on a fraudulent check from XXXX & XXXX XXXX XXXX instead of the original {$6200.00} owed. \nI have evidence suggesting a XXXX XXXX account was linked to my Treasury XXXX account under my new identity without my authorization. Despite removing certain addresses, XXXX and XXXX XXXX XXXX records show XXXX continued to use my address. The ongoing manipulation of my records has been substantiated by documents, and my XXXX data was also accessed without permission. I am seeking corrective action and an investigation into these fraudulent activities, which have left me financially compromised. \n\n\nSubject : Urgent Report of Financial and Privacy Violations, Medical Record Manipulation, and Fraudulent Activity To Whom It XXXX Concern, I am writing to urgently bring to your attention a series of serious violations and fraudulent activities that have caused significant financial hardship, emotional distress, and breaches of privacy for both myself and my children. We have become victims of what appears to be a carefully orchestrated scheme involving unauthorized access to medical records, misuse of personal information, and the misallocation of benefits. The following outlines in detail the specific violations, the individuals involved, and the detrimental impact this has had on our lives. \n\nXXXX. XXXX XXXX XXXX and Misdiagnosis My sons medical records at XXXX XXXX reveal troubling discrepancies, particularly an instance where his father, XXXX XXXX XXXX, signed as the patient for a visit. He did not sign as the legal guardian or authorized representativehe signed as if he were my son, which is neither accurate nor authorized. Additionally, my sons medical record number for this visit does not match the number assigned to him at birth. This inconsistency raises serious concerns about tampering and unauthorized access to our medical records. \n\nFurther, I suffered a XXXX in XX/XX/XXXX. However, records at XXXX XXXX XXXX ( connected to XXXX XXXX and XXXX XXXX ) indicate my son was admitted for hemiplegic migraines on the exact dates of my hospitalization, suggesting either gross error or intentional misrepresentation. This not only complicates my own diagnosis but has led to an inappropriate medical history being attached to my son. \n\nXXXX. Financial Hardship and Incorrect XXXX Benefit Allocation Recently, the Social Security XXXX reduced my sons XXXX benefits, citing funds he supposedly received from his father, who has not made any child support payments for over XXXX months. Despite my providing evidence of this nonpayment, the XXXX has continued to decrease his benefits. This financial burden has caused me great hardship and confusion, especially as my sons fathers unpaid child support was supposed to be offset against my tax refund, which was delayed for XXXX months and ultimately arrived short by over {$2000.00}. \n\nAdditionally, the Department XXXX XXXX XXXX ( XXXX ) has been deducting child support for XXXX, yet only for my son, XXXX, and not my other child. XXXX claimed no offset was done, which conflicts with earlier communications. It has also come to my attention that my insurance through XXXX XXXX XXXX XXXX XXXX, XXXX assurances from XXXX administrators XXXX I owe no TANF obligations. This misrepresentation of benefits further amplifies my financial distress. \n\nXXXX. XXXX XXXX and XXXX XXXX Evidence suggests that someone XXXX have gained unauthorized access to my online records and accounts. My IP address has shown unusual access points from XXXX, where my sons father resides. In XXXX, someone using a XXXX device accessed my XXXX account without my authorization, specifically connected to XXXX XXXX. I have explained these issues to the Department of Treasury and the Department of XXXX, but the concerns persist. \n\nAdditionally, a detective revealed that my sister had used my address with the Department XXXX XXXX and XXXX XXXX, although her name does not appear in the XXXX system. Her use of my address for state services could be contributing to the financial and identity confusion affecting us. This misuse of my address and personal information by family members, combined with unauthorized access to my accounts, suggests a significant compromise of my personal privacy and civil rights. \n\nXXXX. Forgery, Misrepresentation, and Potential Financial Gain On XX/XX/XXXX, my sister reportedly forged my signature, making it appear that my son was in the hospital at the same time I was. This forged record enabled further manipulation of our medical history and potentially allowed for financial claims I did not authorize. In addition, school records have inexplicably reversed the roles between myself and my daughter, listing me as the student and her as the parent, which further indicates identity tampering and misrepresentation. \n\nSubjects Involved and Methods Used XXXX XXXX XXXX : Used my sons medical information, signing as the patient at XXXX XXXX without authorization. The motives appear to be tied to manipulating medical records and possibly accessing benefits fraudulently. \nMy Sister : Forged my signature, used my address with the Department XXXX XXXX XXXX and XXXX, and XXXX have contributed to the ongoing misrepresentation issues with the XXXX and state agencies. \nDepartment XXXX XXXX XXXX ( XXXX ) : Deducted child support for XXXX but failed to apply it correctly, resulting in unexplained benefit misallocations and tax offset confusion. \n\nThese actions have collectively created a web of complications that leave XXXX vulnerable, financially strained, and emotionally distressed. Our rights to privacy, fair treatment, and accurate benefits allocation have been compromised. The effects of these ongoing issues are profound and have disrupted every aspect of our lives, leading to financial instability and unwarranted emotional trauma. \n\nRequest for Urgent Intervention I urge your office to investigate the following : Unauthorized Medical Record Access and Forgery : Violations under XXXX due to unauthorized changes and access to medical records. \nSocial Security XXXX : Manipulation of XXXX benefits and associated financial documents, resulting in incorrect benefit allocation. \nXXXX XXXX : Potential manipulation of child support payments, XXXX misallocation, and missing tax offsets. \nIdentity Theft and Impersonation : Fraudulent use of my address and unauthorized access to my records, resulting in compromised privacy and civil rights violations. \nWe have become victims treated as criminals, facing unwarranted scrutiny and reduction in necessary benefits. I respectfully ask for an in-depth investigation to provide relief, clarity, and accountability for those responsible. Thank you for your attention to this matter, and I look forward to your prompt response.","date_sent_to_company":"2024-11-09T19:30:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10741046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T18:41:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In recent years, my family and I have been victims of numerous <em>data</em> <em>breaches</em>, fraudulent activities, and ongoing issues with medical, financial, and personal information. We were notified of a medical <em>data</em> <em>breach</em> through XXXX, impacting me and my XXXX children. Since then, I have received no settlement payments from major <em>breaches</em>, including XXXX XXXX, XXXX, Equifax, or Bank XXXX XXXX."]},"sort":[5.8862667,"10741046"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8}]}},"product":{"doc_count":8,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}}]}},"issue":{"doc_count":8,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2}]}},{"key":"Managing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":1},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":8,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":8}]}},"company_response":{"doc_count":8,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":8,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":8}]}},"company":{"doc_count":8,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Block, Inc.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"Texas Guaranteed","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":8,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":2},{"key":"MD","doc_count":2},{"key":"GA","doc_count":1},{"key":"MN","doc_count":1},{"key":"SC","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":8,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":8,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}