{"took":264,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":25,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11695718","_score":32.165188,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in regards to the Equifax Data Breach Settlement. The extended claim date has passed to file a claim but My data was proven to have been breached and misused by the Settlement Administration for the lawsuit. So I wanted to file a claim through here.","date_sent_to_company":"2025-01-23T17:41:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76549","tags":"Servicemember","has_narrative":true,"complaint_id":"11695718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T17:31:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is in regards to the Equifax <em>Data</em> <em>Breach</em> <em>Settlement</em>. The extended <em>claim</em> date has passed to file a <em>claim</em> but My <em>data</em> was proven to have been <em>breached</em> and misused by the <em>Settlement</em> <em>Administration</em> for the lawsuit. So I wanted to file a <em>claim</em> through here."]},"sort":[32.165188,"11695718"]},{"_index":"complaint-public-v1","_id":"9831347","_score":27.831732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a Equifax data breach with my restoration officer included a identity theft ina dispute. I contacted the optimal browser cleaning security scan with the XXXX XXXX and my link had expired in the investigation showing the account expired. I sent the fire wall blocking and email hack of my email and phone with XXXX business app. I also sent the XXXX affidavit with the irs and the account went into a restricted allocated bonds with a administration showing the account tax XXXX was updated a XXXX business identity theft with a bond of {$47000.00} in funds to the XXXX. I looked at the reimbursement dispute with the Equifax and the proof of claim stated it was in a attorney sellers account hacked identity theft with a bankruptcy dispute administration. So I contacted the claims administration and showed a identity theft report with geek buddy firewall security for XXXX XXXX XXXX. My account was hacked and the account had been terminated and inaccessible through my credit report brief of hacks. So I filed a claim with the administration showing the fire walls were blocked off from a XXXX monetary unit with XXXX XXXX. Showing delayed of payment with the SSI with XXXX XXXX showing the social security administration filed a representative payee in the data breach. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat breach with Equifax. XXXX XXXX XXXX escalated claims board held it over from XXXX to XXXX showing escalated claims of amended return checks of fraudulent tax refunds. So I contacted the restoration officer with the Equifax data breach settlement showing the account restoration to send a identity theft affidavit of administrator account hack with the resolution team and show a security breach of XXXX affidavit id restoration for restricted access of account fraud with the XXXX XXXX of the institution. The account was forbidden access and breached by the accountant showing the billing statement and records had lapsed from previous filing. So I have the restrictions identity theft case with the administration officer with XXXX XXXX XXXX case number XXXX. That the police report updated a case with XXXX XXXX and sent the irs a XXXX affidavit with XXXX XXXX from XXXX XXXX 's office employee id number XXXX. Kindly reach out with the dispute teams with XXXX XXXX XXXX XXXX XXXX showing the case was escalated and sent to XXXX XXXX theft fraud claims dispute. Showing error on the credit report. But the XXXX XXXX  XXXX  XXXX administration has file a objection to claims suppose to send the documents to XXXX XXXX XXXX XXXX XXXX XXXX to file a objection claims identity theft with the attorney representing myself. So I showed the cour solution fee waiver email to my identity theft portal and said contact them over the phone and call you back with the restrictions on the account so the id restoration officer can send the dispute over with the Equifax data breach settlement restoration officer id theft dispute. Also file a XXXX of the account with the IRS showing a XXXX proof of claim for bankruptcy with krolls XXXX was sent to prime clerk and updated the dispute without releasing the tax XXXX and data breach bankruptcy dispute to the XXXX In failure to appear in a hacked account identity theft dispute. So we can waive the objection of claims with bed bath and beyond claims board with krolls Restructure chapter XXXX data breach. Also file a extension for a bankruptcy with the attorney to appear on the dispute for the claim of objection fled with the XXXX XXXX XXXX XXXX equifax XXXX breach dispute restoration id case for the XXXX XXXX Works case on the claim of the XXXX affidavit with sole priortorship business account of XXXX XXXX XXXX with the IRS notice in referral to the bankruptcy report with XXXX was not appearing on the Equifax data breach report or XXXX XXXX XXXX fraud claims disputes.","date_sent_to_company":"2024-08-17T20:31:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"9831347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-17T20:31:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Showing delayed of payment with the SSI with XXXX XXXX showing the social security <em>administration</em> filed a representative payee in the <em>data</em> <em>breach</em>. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat <em>breach</em> with Equifax. XXXX XXXX XXXX escalated <em>claims</em> board held it over from XXXX to XXXX showing escalated <em>claims</em> of amended return checks of fraudulent tax refunds."]},"sort":[27.831732,"9831347"]},{"_index":"complaint-public-v1","_id":"9833211","_score":27.365765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a XXXX data breach with my restoration officer included a identity theft ina dispute. I contacted the optimal browser cleaning security scan with the XXXX XXXX and my link had expired in the investigation showing the account expired. I sent the fire wall blocking and email hack of my email and phone with XXXX business app. I also sent the XXXX affidavit with the irs and the account went into a restricted allocated bonds with a administration showing the account tax lien was updated a XXXX business identity theft with a bond of {$47000.00} in funds to the XXXX. I looked at the reimbursement dispute with the XXXX and the proof of claim stated it was in a attorney sellers account hacked identity theft with a bankruptcy dispute administration. So I contacted the claims administration and showed a identity theft report with XXXX buddy firewall security for XXXX XXXX XXXX. My account was hacked and the account had been terminated and inaccessible through my credit report brief of hacks. So I filed a claim with the administration showing the fire walls were blocked off from a imf monetary unit with XXXX XXXX Showing delayed of payment with the SSI with XXXX XXXX showing the social security XXXX filed a representative payee in the data breach. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat breach with XXXX. Experian XXXX XXXX escalated claims board held it over from XXXX to XXXX showing escalated claims of amended return checks of fraudulent tax refunds. So I contacted the restoration officer with the XXXX data breach settlement showing the account restoration to send a identity theft affidavit of XXXX account hack with the resolution team and show a security breach of XXXX affidavit id restoration for restricted access of account fraud with the financial advisor of the institution. The account was forbidden access and breached by the accountant showing the billing statement and records had lapsed from previous filing. So I have the restrictions identity theft case with the administration officer with Experian XXXX XXXX case number XXXX. That the police report updated a case with XXXX XXXX and sent the irs a XXXX affidavit with XXXX XXXX from XXXX XXXXXXXX XXXX office employee id number XXXX. Kindly reach out with the dispute teams with Experian XXXX XXXX XXXX XXXX showing the case was escalated and sent to Experian XXXX theft fraud claims dispute. Showing error on the credit report. But the XXXXXXXX XXXX XXXX XXXX administration has file a objection to claims suppose to send the documents to XXXX XXXXXXXX XXXX XXXX XXXX XXXX to file a objection claims identity theft with the attorney representing myself. So I showed the cour solution fee waiver email to my identity theft portal and said contact them over the phone and call you back with the restrictions on the account so the id restoration officer can send the dispute over with the XXXX data breach settlement restoration officer id theft dispute. Also file a XXXX of the account with the IRS showing a XXXX proof of claim for bankruptcy with krolls XXXX was sent to prime clerk and updated the dispute without releasing the tax lien and data breach bankruptcy dispute to the officer In failure to appear in a hacked account identity theft dispute. So we can waive the objection of claims with bed bath and beyond claims board with krolls Restructure chapter XXXX data breach. Also file a extension for a bankruptcy with the attorney to appear on the dispute for the claim of objection fled with the XXXX XXXX XXXX XXXX XXXX XXXX breach dispute restoration id case for the Experian XXXX Works case on the claim of the XXXX affidavit with sole priortorship business account of XXXX XXXX XXXX with the IRS notice in referral to the bankruptcy report with XXXX was not appearing on the XXXX data breach report or Experian Identity Works fraud claims disputes.","date_sent_to_company":"2024-08-17T20:31:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"9833211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-17T19:22:06.000Z","state":"NC","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":["So I filed a <em>claim</em> with the <em>administration</em> showing the fire walls were blocked off from a imf monetary unit with XXXX XXXX Showing delayed of payment with the SSI with XXXX XXXX showing the social security XXXX filed a representative payee in the <em>data</em> <em>breach</em>. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat <em>breach</em> with XXXX."]},"sort":[27.365765,"9833211"]},{"_index":"complaint-public-v1","_id":"14364955","_score":26.077202,"_source":{"product":"Mortgage","complaint_what_happened":"I have a arbitration settlement from a data breach litigation in dispute. My account was terminated and lost my employment information and I request a reinstatement claim. My agent to pursue from embezzlement of my account with extortion robbery of my personal background records from the bank reinstatement process. I have been trying to manage my bankruptcy records but the financial statement was on my log in with my hacked phone with XXXX XXXX XXXX and my XXXX records show that my account was breached of contract. So I wanted to advise the administration of my workers compensation lawsuit with my personal injury of being XXXX from work. I have a unstable work injury from a doctor who asked to see a XXXX council with the XXXX and monitor the XXXX XXXX XXXXXXXX claim. I have been unable to afford it my car was stolen with my license and ID. I have been trying to manage care but the claim process was held up for breach of contract with my industry insurance. I want to contact the XXXX XXXX with a breach I contract obtaining property under false pretenses with embarment of my duties with a fidicuary citation data breach in bankruptcy. I have a class membership settlement with arbitration claim.","date_sent_to_company":"2025-06-30T23:03:49.000Z","issue":"Incorrect information on your report","sub_product":"Other type of mortgage","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"14364955","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lanier Law Firm, LLC","date_received":"2025-06-30T22:04:30.000Z","state":"NC","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I have been trying to manage care but the <em>claim</em> process was held up for <em>breach</em> of contract with my industry insurance. I want to contact the XXXX XXXX with a <em>breach</em> I contract obtaining property under false pretenses with embarment of my duties with a fidicuary citation <em>data</em> <em>breach</em> in bankruptcy. I have a class membership <em>settlement</em> with arbitration <em>claim</em>."]},"sort":[26.077202,"14364955"]},{"_index":"complaint-public-v1","_id":"6786422","_score":23.964802,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX and This is a DISCRIMINATION and DEFAMATION OF CHARACTER complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT. This is a adverse action / discriminationvoliation per the Judges Court Order settlment for reinbursement of the damages that EQUIFAX caused me and the letter they sent was proof of discrimination. \n\nI tried to resolve the issue .. Equifax/In re Equifax Data Breach Settlement c/o JND Legal Administration violated 1681i and therefore is liable under 1681n.\n\nThis email I got on XX/XX/XXXX is clear evidence of discrimination, false and misleading information, adverse action towards the consumer, and willful noncompliance. \n\nI got an email from XXXX Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately XXXX XXXX U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits. \n\nIf you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records. \n\nYou must provide proof of Class Membership by XX/XX/XXXX. \n\nIf you do not, your claim will be denied without further communication from the Settlement Administrator.\n\nTo submit proof of Class Membership, click here. \n\nYou can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o JND Legal Administration XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com. \n\nThis notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at XXXX, by phone toll-free at XXXX, or by mail at Equifax Data Breach Settlement , c/o JND Legal Administration, XXXX XXXX XXXX, XXXX, WA XXXX XXXX \n\nEquifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX Police Department also has a FULL Police Report on File due to what Equifax did with my credit and personal information and a assigned detective by the name of XXXX. XXXX XXXX # XXXX. \n\nI have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised. \n\nI have attached Identity Theft Report and Police Report Two crimes happened : 1. Cyber criminals took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately XXXX XXXX U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information. \n\nI was mislead as a consumer ( UDAAP ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXX In re Equifax Data Breach Settlement c/o JND Legal Administration XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : XXXX In re Equifax Data Breach Settlement c/o JND Legal Administration XXXX XXXX XXXX XXXX, WA XXXX Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations I was harmed because low credit score result in credit denial for quality safe housing which I have a right. Being denied for that quality housing forced me to live in a less favorable neighborhood that force me and my children to have to witness drug use and violent activity. There is a lot of crime in the area and I dont feel safe. I was also denied for an auto loan and having to walk is embarrassing. How does Equifax know that people arent passing my laughing at me and my children which now causes emotional stress. \n\nIdentity Stolen Denied EIDL AND PPP lost XXXX due to XXXX credit reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and XXXX XXXX  after I found out I was affected and my personal info had been compromised and or stolen from Equifax. \n\nI was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for XXXX attacks Identity Theft ( Notarized ) Police Report Refusals for PPP and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have attached the following and sent to Equifax Breach Settlemnt via mail with the tracking number # attached to this complaint Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( 2 ) UDAAP FCRA report Equifax violated the following : 1. 15 USC 1691c 2. 15 USC 1692k 3. 15 USC 1642 4. 15 USC 1681m 5. 12 CFR 1002 15 USC 1681a ( k ) The term \" adverse action '' ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) 0f this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title This new complaint will also be sent to Georgia Attorney General, BBB, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. \" Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.\n\nEquifax , Inc and its registered agents have played a detrimental role in the death of my credit repuation. Equifax , Inc continuously, willfully and knowingly report inaccuracies have ruinted me credit worthiness, credit standing, credit capacity character and reputation. \n\nEquifax has caused me grave harm, injury and have tremendously violated me pursuant to 15 U.S.C. 1681 ( a ) ( 1 )","date_sent_to_company":"2023-05-09T15:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"6786422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-03T23:30:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I got an email from XXXX Subject : Your Equifax <em>Settlement</em> <em>Claim</em> is Incomplete ( You Must Act or Your <em>Claim</em> Will Be Denied ) Your <em>Claim</em> Number : XXXX Dear XXXX XXXX : You filed a <em>claim</em> in the Equifax <em>Data</em> <em>Breach</em> <em>Settlement</em>. To be a <em>Settlement</em> Class Member you must have been one of the approximately XXXX XXXX U.S. consumers identified by Equifax whose personal information was impacted by the <em>Data</em> <em>Breach</em> that Equifax announced in XXXX of XXXX."]},"sort":[23.964802,"6786422"]},{"_index":"complaint-public-v1","_id":"14457239","_score":23.009384,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a breach of fidicuary duty account hack with my ID restoration reversed mortgage account. My account was compromised and XXXX XXXX XXXX ID claims department did not send the notice of dispute in error. I have escalated the claims to my attorney for breach of contract. I want to settle my account with the legal advisor department for wire tap fraud of fraudulent accessed data broker breach hack from XXXX. My investigation included a XXXX  credit report that monitored credit report with a master policy with XXXX. My account was recorded a consumer data breach hack under consumer litigation of restructured settlement litigation with bankruptcy policy if credit bureau insurance. The claims department with XXXX XXXX XXXX did not send the notice of dispute with the restricted account access of XXXX and XXXX  and XXXX XXXX XXXX and XXXX XXXX Bank. I have a case open with my attorney for arbitration in this matter. I want to file a ID restoration hack with my Business account affidavit tax return using my name to file my taxes. I have a breach of fidicuary duty complaint from ID restoration with a claim of wire tap escalated to the claims department for identity theft, with extortion and larceny of membership health plans and military ID with management forum. I have documents from my claim in arbitration showing my account was hacked by XXXX employee XXXX XXXX using my ID to restore whats app error log in on phone hack. I have a case for XXXX XXXX XXXX XXXX XXXX for account hack protection plan. I wanted to file a identity theft of obtaining property under false pretenses with a ID restoration referral notice of dispute claim not showing on my credit report. With the arbitration of my appointed council, I have received claim from settlement administration to update in a preliminary hearing of {$170.00} XXXX dollars in 2 payments with another settlement. I have been trying to get my claims department to file a claim with the XXXX  ID restoration officer resiliency team with XXXX affidavit tax return not able to file my taxes under litigation. I asked to revise my account with government documents of claims. I have no records of bankruptcy or collection ID restoration from XXXX XXXX with XXXX  ID restoration. I have a background check for scams sowing pawned website from 13 different emails. I want to file a criminal defense hack ID restoration.","date_sent_to_company":"2025-07-04T20:44:55.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"14457239","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lanier Law Firm, LLC","date_received":"2025-07-04T19:27:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I wanted to file a identity theft of obtaining property under false pretenses with a ID restoration referral notice of dispute <em>claim</em> not showing on my credit report. With the arbitration of my appointed council, I have received <em>claim</em> from <em>settlement</em> <em>administration</em> to update in a preliminary hearing of {$170.00} XXXX dollars in 2 payments with another <em>settlement</em>."]},"sort":[23.009384,"14457239"]},{"_index":"complaint-public-v1","_id":"8878002","_score":21.249615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX : XXXX Consumer Financial Protection Bureau1700 G Street NWWashington, D.C. 20552 Subject : Formal Complaint Regarding Ongoing Issues and Inadequate Resolution of Identity Theft Claim Following Equifax Data Breach Dear Sir/Madam, I am writing to file a complaint regarding the mishandling of my identity theft claim associated with the Equifax data breach, under claim number XXXX. Since the breach in 2017, I have not had peace, constantly needing to monitor my credit reports. This ongoing vigilance has caused significant stress, aggravating my XXXX. Despite this, my attempts to claim further damages for the continuous repercussions have been unfairly denied. \n\nBackground : Since the initial data breach, unauthorized activities on my financial accounts have persisted, necessitating ongoing interventions. Although I was recognized as an affected class member and issued a prepaid virtual card by the same office now denying further claims, my extended damages remain unrecognized. \n\nIssues Faced : 1. Continual Stress and Health Impact : The need for constant vigilance over my credit has severely impacted my XXXX health, adding undue XXXX  and exacerbating my XXXX. \n2. Administrative Inconsistencies : The same office that acknowledged and compensated me in one instance has subsequently denied further claims, citing that I am not part of the initial claims, despite having records of my claim and compensation. \n3. Denial Without Just Cause : It is deeply troubling that victims like myself are denied further necessary compensation without clear reasoning, which questions the fairness and integrity of the claims process. I provided the email adress and proof of payment made by same office and they still say they can located me obviously I dont used my same emails as I had to change them XXXX XXXX XXXX Steps Taken : Despite providing substantial evidence of the ongoing impacts and engaging in the appeals process, the responses from the Claims Administrator have been both inadequate and disheartening. The lack of proper resolution has forced me to seek intervention from your bureau. \n\nAction Requested : I respectfully request that the Consumer Financial Protection Bureau : Investigate the handling of my claim and the apparent inconsistencies within the Equifax Data Breach Settlement Claims Administration. \nEnsure that my rights and the rights of other victims are fully upheld, recognizing the long-term impacts of the breach on our personal and financial well-being. \nFacilitate a fair and thorough resolution that addresses the continuous challenges faced by victims of the breach. \n\nI am prepared to provide any additional documentation needed to support my complaint and assist in a thorough review. My hope is for a resolution that finally brings peace to my life and rectifies the ongoing injustices faced by myself and similar victims. \n\nThank you for your attention to this pressing matter. I look forward to your prompt response and am eager for your assistance in achieving justice. \n\nSincerely, XXXX XXXX XXXX Enclosures : Notification of {$5.00} Settlement Prepaid Card Documentation of Entitlement to Identity Restoration Services","date_sent_to_company":"2024-05-01T13:53:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"8878002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T03:56:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Action Requested : I respectfully request that the Consumer Financial Protection Bureau : Investigate the handling of my <em>claim</em> and the apparent inconsistencies within the Equifax <em>Data</em> <em>Breach</em> <em>Settlement</em> <em>Claims</em> <em>Administration</em>. \nEnsure that my rights and the rights of other victims are fully upheld, recognizing the long-term impacts of the <em>breach</em> on our personal and financial well-being."]},"sort":[21.249615,"8878002"]},{"_index":"complaint-public-v1","_id":"6786449","_score":19.819733,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX and This is a DISCRIMINATION and DEFAMATION OF CHARACTER complaint PER THE EMAIL THAT WAS SENT TO ME on XX/XX/XXXX from EQUIFAX BREACH SETTLEMENT. This is a adverse action / discriminationvoliation per the XXXX XXXX XXXX settlment for reinbursement of the damages that EQUIFAX caused me and the letter they sent was proof of discrimination. \n\nI tried to resolve the issue .. Equifax/In re Equifax XXXXata Breach Settlement c/o JND Legal Administration violated 1681i and therefore is liable under 1681n. \n\nThis email I got on XX/XX/XXXX is clear evidence of discrimination, false and misleading information, adverse action towards the consumer, and willful noncompliance. \n\nI got an email from info@equifaxbreachsettlement.com Subject : Your Equifax Settlement Claim is Incomplete ( You Must Act or Your Claim Will Be Denied ) Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately 147 million U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to Equifaxs records, you are not a member of the Settlement Class and are not eligible for Settlement benefits. \n\nIf you believe this determination was incorrect, you must provide proof of Class membership. This could include providing confirmation of a previous name you used or the email address where you received Settlement Notice so that we can attempt to locate you in our records.\n\nYou must provide proof of Class Membership by XX/XX/XXXX. \n\nIf you do not, your claim will be denied without further communication from the Settlement Administrator. \n\nTo submit proof of Class Membership, click here.\n\nYou can also submit proof of Class Membership by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number ( provided above ) and mail it to : Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, please visit the Settlement Website at www.EquifaxBreachSettlement.com. \n\nThis notice is from the Court-appointed Settlement Administrator ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at info@EquifaxBreachSettlement.com, by phone toll-free at XXXX, or by mail at Equifax Data Breach XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX \n\nEquifax Debt Settlement is violating laws and defaming my character which has caused me alot of damages : The XXXX XXXX Police Department also has a FULL Police Report on File due to what Equifax did with my credit and personal information and a assigned detective by the name of XXXX. XXXX XXXX # XXXX. \n\nI have attached court records verifying I am a verified victim of the Equifax Data Breach of XXXX. All my personal information was stolen and compromised. \n\nI have attached Identity Theft Report and Police Report XXXXwo crimes happened : 1. Cyber criminals took my info from 2. Equifax, Equifax Data Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) I was mislead as a consumer ( UDAAP ) this was the law that was broken Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX In XX/XX/XXXX, Equifax announced that it had been the victim of a criminal cyberattack on its systems. The attackers gained unauthorized access to the personal information of approximately 147 million U.S. consumers. This information included peoples names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers, credit card numbers, or other personal information. \n\nI was mislead as a consumer ( XXXX ) this was the law that was broken that allows me to have {$20000.00} paid to me due to the Equifax Data Breach. I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : //contactus.equifaxbreachsettlement.com/en/contact In re Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Equifax Claim Number XXXX - claim was received on XX/XX/XXXX I would like to be reimbursed for the action to prevent, time spent, potential harm, and recovery of {$20000.00} https : //contactus.equifaxbreachsettlement.com/en/contact In re Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations I was harmed because low credit score result in credit denial for quality safe housing which I have a right. Being denied for that quality housing forced me to live in a less favorable neighborhood that force me and my children to have to witness drug use and violent activity. There is a lot of crime in the area and I dont feel safe. I was also denied for an auto loan and having to walk is embarrassing. How does Equifax know that people arent passing my laughing at me and my children which now causes emotional stress. \n\nIdentity Stolen Denied XXXX AND XXXX lost XXXX due to XXXX XXXX reporting Denied Unemployment Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had to have medical treatment due to stress, anxiety, panic attacks, chest pains, and heart palpitations and breathing heavy after I found out I was affected and my personal info had been compromised and or stolen from Equifax. \n\nI was denied mortgages Charged a higher deposit on home rentals Could not finance a vehicle Everything will have to be logged Screenshots of every time I order a credit report Copies of mail Phone calls to credit bureau ( logged ) Notarized affidavit of truth Dr appt for anxiety attacks Identity Theft ( Notarized ) Police Report Refusals for XXXX and loans Refused for jobs and credit applications Turned down for mortgage or credit Talked to counselor for stress ( receipts or proof ) Massage ( receipt ) tense due to you being a victim of your stuff stolen I have attached the following and sent to Equifax Breach Settlemnt via mail with the tracking number # attached to this complaint Receipt attached Police Report FTC Report Notarized Identity Theft Affadavit Notarized Affadavit of Truth My ID Equifax Claim # Court Orders ( XXXX ) XXXX FCRA report Equifax violated the following : 1. 15 USC 1691c 2. 15 USC 1692k 3. 15 USC 1642 4. 15 USC 1681m 5. 12 CFR 1002 15 USC 1681a ( k ) The term \" adverse action '' ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) 0f this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title This new complaint will also be sent to Georgia Attorney General, BBB, and other federal entitites so that it is tracked as evidence and that the EQUIFAX DATA BREACH SETTLEMENT is not in compliance with the Judge 's mandatory court order and if my rights continue to being violated and they continue to break the law, I will be forced to take legal actions for actual damages when there has been negligent noncompliance. \" Compensatory damages AND Punitive damages. '' Governing Law. This Letter of Intent shall be governed under the laws of the State of Georgia.\n\nEquifax , Inc and its registered agents have played a detrimental role in the death of my credit repuation. Equifax , Inc continuously, willfully and knowingly report inaccuracies have ruinted me credit worthiness, credit standing, credit capacity character and reputation. \n\nEquifax has caused me grave harm, injury and have tremendously violated me pursuant to 15 U.S.C. 1681 ( a ) ( 1 )","date_sent_to_company":"2023-04-03T23:30:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"6786449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-03T21:06:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I got an email from info@equifaxbreachsettlement.com Subject : Your Equifax <em>Settlement</em> <em>Claim</em> is Incomplete ( You Must Act or Your <em>Claim</em> Will Be Denied ) Your <em>Claim</em> Number : XXXX Dear XXXX XXXX : You filed a <em>claim</em> in the Equifax <em>Data</em> <em>Breach</em> <em>Settlement</em>. To be a <em>Settlement</em> Class Member you must have been one of the approximately 147 million U.S. consumers identified by Equifax whose personal information was impacted by the <em>Data</em> <em>Breach</em> that Equifax announced in XXXX of XXXX."]},"sort":[19.819733,"6786449"]},{"_index":"complaint-public-v1","_id":"14858229","_score":10.571782,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"# Comprehensive Identity Theft Dispute Letter - Multiple Data Breaches XXXX XXXX Date : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX To : XXXX XXXX Experian, Equifax and TransUnion XXXX XXXX CC : XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, DC XXXXXXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Federal Trade Commission ( FTC ) * * XXXX XXXX XXXX, XXXX, XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE - IDENTITY THEFT ACCOUNTS- DEMAND FOR PERMANENT DELETION UNDER FCRA & FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF IDENTITY THEFT AND DEMAND FOR IMMEDIATE ACTION XXXX XXXX To Whom It May Concern : XXXX XXXX I am writing to formally dispute fraudulent accounts appearing on my credit report as a direct result of identity theft stemming from multiple confirmed major data breaches. This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., constituting a comprehensive legal demand for immediate investigation and permanent deletion of all fraudulent information from my credit files. \n\nXXXX XXXX XXXX XXXX XXXX CONFIRMED IDENTITY THEFT VICTIM - MULTIPLE DATA BREACHES I am a XXXX XXXX CONFIRMED VICTIM OF IDENTITY THEFT XXXX XXXX resulting directly from XXXX XXXX TWO SEPARATE MAJOR DATA BREACHES XXXX XXXX that have systematically compromised my most sensitive personal identifying information : XXXX XXXX XXXX  BREACH XXXX  XXXX : EQUIFAX DATA BREACH SETTLEMENT - XXXX XXXX Official Website Confirmation : XXXX XXXX eligibility.equifaxbreachsettlement.com - XXXX XXXX Breach Impact Status : XXXX XXXX Based on the information you provided, our records indicate your personal information was impacted by this incident - XXXX XXXX Settlement Engagement Number : XXXX XXXX XXXX XXXX XXXX XXXX Available Services : XXXX XXXX Assisted Identity Restoration Services via Experian ( XXXX ) - XXXX XXXX Compromised Information : XXXX XXXX Social Security Number, full name, current and previous addresses, date of birth, and other sensitive personal identifying information - XXXX XXXX Legal Status : XXXX XXXX Class member eligible for monetary settlement and identity restoration services XXXX XXXX XXXX  BREACH XXXX  XXXX : NATIONAL PUBLIC DATA BREACH ( XX/XX/XXXX ) - XXXX XXXX  Perpetrator : XXXX XXXX XXXX hacking group - XXXX XXXX Magnitude : XXXX XXXX  XXXX XXXX personal records stolen from XXXX - XXXX XXXX  Breach Classification : XXXX XXXX One of the largest in history per cybersecurity researchers- XXXX XXXX My Specific Compromised Information Confirmed : XXXX XXXX XXXX XXXX XXXX Full Legal Name : XXXX XXXX XXXX XXXX - XXXX XXXX Social Security Number : XXXX XXXX  XXXX - XXXX XXXX ZIP Code : XXXX XXXX XXXX XXXX XXXX XXXX Complete Address Details : * * XXXX XXXX XXXX, XXXX, Oh XXXX - XXXX XXXX  Additional Personal Identifiers : XXXX XXXX  XXXX XXXX XXXX XXXX CURRENT THREAT STATUS : XXXX XXXX This stolen personal information has now surfaced on the dark web and is being actively used by criminals to commit identity fraud, including the fraudulent opening of financial accounts in my name. \n\nXXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE PERMANENT DELETION The following accounts appearing on my credit report are XXXX XXXX  100 % FRAUDULENT XXXX XXXX  and were opened by criminals using my stolen personal information from the aforementioned data breaches. I have XXXX XXXX NEVER XXXX XXXX applied for, opened, authorized, used, or benefited from any of these accounts : XXXX XXXX XXXX FRAUDULENT ACCOUNT # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Outstanding Balance : XXXX XXXX {$19000.00} - XXXX XXXX  Status : XXXX XXXX Fraudulent - Identity Theft Related - * * My Knowledge : XXXX XXXX  NO knowledge of this accounts existence prior to credit report discovery XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outstanding Balance : XXXX XXXX {$1800.00} XXXX XXXX XXXX Status : XXXX XXXX Fraudulent - Identity Theft Related - XXXX XXXX  My Knowledge : XXXX XXXX NO knowledge of this accounts existence prior to credit report discovery XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outstanding Balance : XXXX XXXX  {$1800.00} XXXX XXXX XXXX  Status : XXXX XXXX Fraudulent - Identity Theft Related/ Collection Account - XXXX XXXX My Knowledge : XXXX XXXX NO knowledge of this accounts existence prior to credit report discovery XXXX XXXX TOTAL XXXX XXXX XXXXT : XXXX XXXX  {$22000.00} These fraudulent accounts represent the direct criminal exploitation of my personal information stolen in confirmed data breaches, causing severe damage to my credit profile, financial standing, and ability to obtain legitimate credit. \n\nXXXX XXXX XXXX XXXX XXXX  COMPREHENSIVE LEGAL DEMANDS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA XXXX XXXX XXXX XXXX XXXX. FCRA 605B - IDENTITY THEFT INFORMATION ( 15 U.S.C. 1681c-2 ) XXXX XXXX Subsection ( a ) - Blocking Requirement XXXX XXXX XXXX Upon receipt of this identity theft report with appropriate documentation, you are XXXX XXXX  LEGALLY MANDATED XXXX XXXX to : - XXXX XXXX IMMEDIATELY BLOCK XXXX XXXX the reporting of any information in the consumers file that the consumer identifies as information that resulted from identity theft - XXXX XXXX NOT report, provide, or communicate XXXX XXXX such blocked information, except in limited statutory circumstances XXXX XXXX XXXX NOTIFY furnishers XXXX XXXX of the information that the information XXXX be the result of identity theft XXXX XXXX  Subsection ( c ) - Exception for Resellers : XXXX XXXX Information blocked under this section shall not be reported by any consumer reporting agency except in response to a specific request by the consumer or under court order. \n\nXXXX XXXX XXXX  XXXX. FCRA 611 ( a ) - PROCEDURE IN CASE OF DISPUTED INFORMATION ( 15 U.S.C. 1681i ) XXXX XXXX  Subsection ( 1 ) ( A ) - Reinvestigation Requirement : XXXX XXXX  You must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information within XXXX XXXX 30 days XXXX XXXX of receipt. \n\nXXXX XXXX  Subsection ( 1 ) ( D ) - Notice to Furnisher : XXXX XXXX You must provide notice of the dispute to any person who provided any item of information in question XXXX XXXX within XXXX business days XXXX XXXX  of receiving the dispute. \n\nXXXX XXXX Subsection ( 5 ) ( A ) - Treatment of Inaccurate Information : XXXX XXXX If information is found to be inaccurate or incomplete or can not be verified, you must XXXX XXXX  promptly delete XXXX XXXX  such information and may not thereafter report such information. \n\nXXXX XXXX Subsection ( 6 ) ( B ) ( iii )- Written Notice : XXXX XXXX You must provide written notice of the results of any reinvestigation within * * XXXX business days * * of completion. \n\nXXXX XXXX XXXX 3. FCRA 623 - RESPONSIBILITIES OF FURNISHERS ( 15 U.S.C. 1681s-2 ) XXXX XXXX Subsection ( a ) ( 1 ) ( A ) - Accuracy Requirement : XXXX XXXX  Furnishers may not furnish information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. \n\nXXXX XXXX Subsection ( a ) ( 1 ) ( F ) - Identity Theft Prevention XXXX XXXX XXXX  Furnishers must have reasonable procedures designed to respond appropriately to any notification of identity theft received from consumer reporting agencies. \n\n* * Subsection ( a ) ( 6 ) - Duty Upon Notice of Identity Theft : XXXX XXXX  Upon notification of potential identity theft, furnishers must conduct reasonable investigations and not report information they can not verify. \n\nXXXX XXXX XXXX  4. FCRA CIVIL LIABILITY PROVISIONS XXXX XXXX XXXX - Civil Liability for Willful Noncompliance ( XXXX XXXX. XXXX ) : XXXX XXXX - Actual damages sustained by the consumer - Punitive damages as the court XXXX allow ( statutory range : $ XXXX {$1000.00} per violation ) - Attorneys fees and costs of the action XXXX XXXX 617 - Civil Liability for Negligent Noncompliance ( 15 U.S.C . 1681o ) : * * - Actual damages sustained by the consumer - Attorneys fees and costs of the action -- -- - XXXX XXXX  COMPREHENSIVE LEGAL DEMANDS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) XXXX XXXX XXXX 1. FDCPA 807 - FALSE OR MISLEADING REPRESENTATIONS ( 15 U.S.C. 1692e ) XXXX XXXX Subsection ( 8 ) - False Credit Information : XXXX XXXX  It is a violation for debt collectors to communicate or threaten to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n\nXXXX XXXX  Subsection ( XXXX ) - False Legal Status : XXXX XXXX Using any false representation or deceptive means to collect or attempt to collect any debt, including misrepresenting the legal status of fraudulent debts. \n\nXXXX XXXX XXXX XXXX. FDCPA 808 - UNFAIR PRACTICES ( 15 U.S.C. 1692f ) XXXX XXXX General Prohibition XXXX XXXX XXXX Using unfair or unconscionable means to collect or attempt to collect any debt, including attempting to collect fraudulent debts that were never legitimately incurred. \n\nXXXX XXXX XXXX  XXXX. FDCPA 809 - VALIDATION OF DEBTS ( 15 U.S.C. 1692g ) XXXX XXXX  Subsection ( a ) - Initial Communication : XXXX XXXX Collection agencies must provide debt validation information within 5 days of initial communication, which they can not legitimately provide for fraudulent accounts. \n\nXXXX XXXX Subsection ( b ) - Disputed Debt Procedures : XXXX XXXX If  the validity of a debt is disputed within 30 days, debt collection activities must cease until verification is obtained and mailed to the consumer - impossible for fraudulent debts. \n\nXXXX XXXX XXXX  XXXX. FDCPA CIVIL LIABILITY PROVISIONS XXXX XXXX 813 - Civil Liability ( 15 U.S.C. 1692k ) : XXXX XXXX XXXX XXXX XXXX Individual Actions : XXXX XXXX Recovery of actual damages plus additional damages up to {$1000.00} - XXXX XXXX Class Actions : XXXX XXXX Additional damages up to {$500000.00} or 1 % of the creditors net worth XXXX XXXX XXXX Attorneys Fees and Costs : XXXX XXXX Successful consumers may recover reasonable attorneys fees and costs XXXX XXXX XXXX XXXX XXXX IMMEDIATE ACTIONS REQUIRED - LEGAL COMPLIANCE DEMANDS Based on the aforementioned federal statutes and my confirmed status as an identity theft victim from multiple data breaches, I hereby XXXX XXXX DEMAND XXXX XXXX  immediate compliance with the following legally mandated actions : XXXX XXXX XXXX IMMEDIATE BLOCKING AND DELETION ( Within 15 Days ) : 1. XXXX XXXX PERMANENTLY BLOCK XXXX XXXX all information related to the three fraudulent accounts pursuant to FCRA 605B ( a ) 1XXXX XXXX XXXX PERMANENTLY DELETE XXXX XXXX all references to these fraudulent accounts from my credit files XXXX. XXXX XXXX  CEASE ALL REPORTING XXXX XXXX of these accounts to any third parties XXXX. XXXX XXXX NOTIFY ALL FURNISHERS XXXX XXXX within 5 business days that these accounts resulted from confirmed identity theft per FCRA 611 ( a ) ( 1 ) ( D ) XXXX XXXX XXXX  COLLECTION ACTIVITY CESSATION ( Immediate ) : 1XXXX XXXX XXXX CEASE ALL COLLECTION ACTIVITIES XXXX XXXX  related to these fraudulent debts pursuant to FDCPA 809 ( b ) 1. XXXX XXXX STOP ALL COMMUNICATIONS XXXX XXXX regarding these fraudulent accounts XXXX. XXXX XXXX RECALL ANY PENDING LEGAL ACTIONS XXXX XXXX related to collection of fraudulent debts XXXX XXXX XXXX CORRECTIVE NOTIFICATIONS ( Within 30 Days ) : XXXX. XXXX XXXX  NOTIFY ALL CREDIT GRANTORS XXXX XXXX who received copies of my credit report containing the fraudulent information within the past 6 months ( 2 years for employment purposes ) XXXX. XXXX XXXX PROVIDE WRITTEN CONFIRMATION XXXX XXXX of all deletions and corrections made XXXX. XXXX XXXX  SUPPLY FREE COPIES XXXX XXXX of my updated credit report from all three major bureaus showing the permanent deletions # # # ONGOING COMPLIANCE OBLIGATIONS : XXXX. XXXX XXXX MAINTAIN PERMANENT BLOCKS XXXX XXXX against any future reporting of this fraudulent information XXXX. XXXX XXXX IMPLEMENT SAFEGUARDS XXXX XXXX to prevent reinsertion of fraudulent data without proper legal recertification XXXX. XXXX XXXX ESTABLISH IDENTITY THEFT ALERTS XXXX XXXX on my credit files to prevent future fraudulent account openings XXXX XXXX XXXX XXXX XXXX  SUPPORTING DOCUMENTATION AND EVIDENCE XXXX XXXX Enclosed and incorporated by reference : XXXX XXXX XXXX XXXX XXXX PRIMARY DOCUMENTATION : - XXXX XXXX  Federal Trade Commission ( FTC ) Identity Theft Report XXXX XXXX  - Official government documentation of identity theft complaint - XXXX XXXX Equifax Data Breach Settlement Confirmation XXXX XXXX - Official proof of breach impact from XXXX - XXXX XXXX National Public Data Breach Evidence XXXX XXXX  - Screenshots and documentation showing my personal information in the compromised database - XXXX  XXXX  Government-Issued Photo Identification XXXX XXXX - Confirming my identity and legal name - XXXX XXXX Proof of Current Address XXXX XXXX  - Utility bills and official correspondence XXXX XXXX XXXX Social Security Administration Documentation XXXX XXXX - Confirming legitimate SSN ownership # # # SUPPLEMENTARY EVIDENCE : - XXXX  XXXX Screenshots of breach notification websites XXXX XXXX showing confirmed impact - XXXX XXXX Documentation of identity theft prevention measures XXXX XXXX taken following breach notifications- XXXX XXXX  Correspondence with financial institutions XXXX XXXX denying knowledge of fraudulent accounts - XXXX XXXX Timeline of breach discoveries XXXX XXXX and subsequent fraudulent account appearances XXXX XXXX XXXX XXXX XXXX LEGAL NOTICE OF INTENT TO PURSUE CIVIL REMEDIES This letter constitutes XXXX XXXX FORMAL LEGAL NOTICE XXXX XXXX that I will aggressively pursue all available legal remedies under federal and state law for any failure to comply with the demands set forth herein. My preparedness to take legal action includes, but is not limited to : XXXX XXXX XXXX  REGULATORY COMPLAINTS : XXXX. XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  - Filing comprehensive complaints regarding FCRA and FDCPA violations XXXX. XXXX XXXX  Federal Trade Commission ( FTC ) XXXX XXXX  - Reporting violations of federal consumer protection laws XXXX. XXXX XXXX State Attorney General XXXX XXXX  - Pursuing state-level consumer protection enforcement XXXX XXXX XXXX  State Banking Regulators XXXX XXXX XXXX Reporting violations to appropriate state regulatory bodies XXXX XXXX XXXX CIVIL LITIGATION : XXXX. XXXX XXXX XXXX XXXX Actions XXXX XXXX under FCRA 616-617 seeking : - Actual damages for credit harm, emotional distress, and financial losses - Punitive damages up to statutory maximums- Attorneys fees and litigation costs - Injunctive relief requiring compliance XXXXXXXX XXXX XXXX  Federal Court Actions XXXX XXXX under FDCPA 813 seeking : - Actual damages for harassment and collection attempts on fraudulent debts - Statutory damages up to {$1000.00} per violation - Attorneys fees and litigation costs - Cessation of all collection activities XXXX XXXX XXXX CLASS ACTION PARTICIPATION : XXXX. XXXX XXXX  Joining existing class action lawsuits XXXX XXXX  against entities that fail to properly handle identity theft cases XXXX. XXXX XXXX Initiating class action litigation XXXX XXXX if widespread violations are discovered XXXX XXXX XXXX XXXX XXXX  STATUTORY COMPLIANCE TIMELINE AND URGENCY This matter requires XXXX XXXX IMMEDIATE PRIORITY ATTENTION XXXX XXXX due to : XXXX XXXX XXXX TIME-SENSITIVE FACTORS : - XXXX XXXX Confirmed identity theft XXXX XXXX from XXXX separate major data breaches affecting billions of consumers - XXXX XXXX  Significant ongoing financial harm XXXX XXXX totaling {$22000.00} in fraudulent debt reporting - XXXX XXXX Continuous credit damage XXXX XXXX preventing legitimate credit applications and financial transactions - XXXX XXXX Federal statutory deadlines XXXX XXXX  requiring prompt investigation and response XXXX XXXX XXXX COMPLIANCE DEADLINES : - XXXX XXXX XXXX Business Days XXXX XXXX XXXX  Notification to furnishers ( FCRA 611 ( a ) ( 1 ) ( D ) ) - XXXX XXXX 15 Days : XXXX XXXX Initial blocking and deletion actions ( My demand for expedited processing ) - XXXX XXXX 30 Days : XXXX XXXX Complete reinvestigation and final resolution ( FCRA 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX STATUTE OF LIMITATIONS CONSIDERATIONS : XXXX XXXX XXXX  FCRA Claims : XXXX XXXX 2 years from discovery of violation - XXXX XXXX FDCPA Claims : XXXX XXXX 1 year from violation occurrence - XXXX XXXX Continuing Violations : XXXX XXXX  Each day of non-compliance constitutes a separate violation XXXX XXXX CRITICAL NOTICE : XXXX XXXX Any delay in compliance beyond these timeframes will be considered evidence of willful violations of federal consumer protection laws and will result in enhanced damages and penalties in subsequent legal proceedings. \n\n-Sincerely, XXXX XXXX","date_sent_to_company":"2025-07-24T18:38:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"435XX","tags":null,"has_narrative":true,"complaint_id":"14858229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-24T18:30:21.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX CONFIRMED IDENTITY THEFT VICTIM - MULTIPLE <em>DATA</em> <em>BREACHES</em> I am a XXXX XXXX CONFIRMED VICTIM OF IDENTITY THEFT XXXX XXXX resulting directly from XXXX XXXX TWO SEPARATE MAJOR <em>DATA</em> <em>BREACHES</em> XXXX XXXX that have systematically compromised my most sensitive personal identifying information : XXXX XXXX XXXX  <em>BREACH</em> XXXX  XXXX : EQUIFAX <em>DATA</em> <em>BREACH</em> <em>SETTLEMENT</em> - XXXX XXXX Official Website Confirmation : XXXX XXXX eligibility.equifaxbreachsettlement.com - XXXX XXXX <em>Breach</em> Impact Status"]},"sort":[10.571782,"14858229"]},{"_index":"complaint-public-v1","_id":"14851247","_score":10.570877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"# Comprehensive Identity Theft Dispute Letter - Multiple Data Breaches XXXX XXXX Date : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX To : XXXX XXXX Experian, Equifax and TransUnion XXXX XXXX CC : XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, DC XXXXXXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Federal Trade Commission ( FTC ) * * XXXX XXXX XXXX, XXXX, XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE - IDENTITY THEFT ACCOUNTS- DEMAND FOR PERMANENT DELETION UNDER FCRA & FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF IDENTITY THEFT AND DEMAND FOR IMMEDIATE ACTION XXXX XXXX To Whom It May Concern : XXXX XXXX I am writing to formally dispute fraudulent accounts appearing on my credit report as a direct result of identity theft stemming from multiple confirmed major data breaches. This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., constituting a comprehensive legal demand for immediate investigation and permanent deletion of all fraudulent information from my credit files. \n\nXXXX XXXX XXXX XXXX XXXX CONFIRMED IDENTITY THEFT VICTIM - MULTIPLE DATA BREACHES I am a XXXX XXXX CONFIRMED VICTIM OF IDENTITY THEFT XXXX XXXX resulting directly from XXXX XXXX TWO SEPARATE MAJOR DATA BREACHES XXXX XXXX that have systematically compromised my most sensitive personal identifying information : XXXX XXXX XXXX  BREACH XXXX  XXXX : EQUIFAX DATA BREACH SETTLEMENT - XXXX XXXX Official Website Confirmation : XXXX XXXX eligibility.equifaxbreachsettlement.com - XXXX XXXX Breach Impact Status : XXXX XXXX Based on the information you provided, our records indicate your personal information was impacted by this incident - XXXX XXXX Settlement Engagement Number : XXXX XXXX XXXX XXXX XXXX XXXX Available Services : XXXX XXXX Assisted Identity Restoration Services via Experian ( XXXX ) - XXXX XXXX Compromised Information : XXXX XXXX Social Security Number, full name, current and previous addresses, date of birth, and other sensitive personal identifying information - XXXX XXXX Legal Status : XXXX XXXX Class member eligible for monetary settlement and identity restoration services XXXX XXXX XXXX  BREACH XXXX  XXXX : NATIONAL PUBLIC DATA BREACH ( XX/XX/XXXX ) - XXXX XXXX  Perpetrator : XXXX XXXX XXXX hacking group - XXXX XXXX Magnitude : XXXX XXXX  XXXX XXXX personal records stolen from XXXX - XXXX XXXX  Breach Classification : XXXX XXXX One of the largest in history per cybersecurity researchers- XXXX XXXX My Specific Compromised Information Confirmed : XXXX XXXX XXXX XXXX XXXX Full Legal Name : XXXX XXXX XXXX XXXX - XXXX XXXX Social Security Number : XXXX XXXX  XXXX - XXXX XXXX ZIP Code : XXXX XXXX XXXX XXXX XXXX XXXX Complete Address Details : * * XXXX XXXX XXXX, XXXX, Oh XXXX - XXXX XXXX  Additional Personal Identifiers : XXXX XXXX  XXXX XXXX XXXX XXXX CURRENT THREAT STATUS : XXXX XXXX This stolen personal information has now surfaced on the dark web and is being actively used by criminals to commit identity fraud, including the fraudulent opening of financial accounts in my name. \n\nXXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE PERMANENT DELETION The following accounts appearing on my credit report are XXXX XXXX  100 % FRAUDULENT XXXX XXXX  and were opened by criminals using my stolen personal information from the aforementioned data breaches. I have XXXX XXXX NEVER XXXX XXXX applied for, opened, authorized, used, or benefited from any of these accounts : XXXX XXXX XXXX FRAUDULENT ACCOUNT # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Outstanding Balance : XXXX XXXX {$19000.00} - XXXX XXXX  Status : XXXX XXXX Fraudulent - Identity Theft Related - * * My Knowledge : XXXX XXXX  NO knowledge of this accounts existence prior to credit report discovery XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outstanding Balance : XXXX XXXX {$1800.00} XXXX XXXX XXXX Status : XXXX XXXX Fraudulent - Identity Theft Related - XXXX XXXX  My Knowledge : XXXX XXXX NO knowledge of this accounts existence prior to credit report discovery XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outstanding Balance : XXXX XXXX  {$1800.00} XXXX XXXX XXXX  Status : XXXX XXXX Fraudulent - Identity Theft Related/ Collection Account - XXXX XXXX My Knowledge : XXXX XXXX NO knowledge of this accounts existence prior to credit report discovery XXXX XXXX TOTAL XXXX XXXX XXXXT : XXXX XXXX  {$22000.00} These fraudulent accounts represent the direct criminal exploitation of my personal information stolen in confirmed data breaches, causing severe damage to my credit profile, financial standing, and ability to obtain legitimate credit. \n\nXXXX XXXX XXXX XXXX XXXX  COMPREHENSIVE LEGAL DEMANDS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA XXXX XXXX XXXX XXXX XXXX. FCRA 605B - IDENTITY THEFT INFORMATION ( 15 U.S.C. 1681c-2 ) XXXX XXXX Subsection ( a ) - Blocking Requirement XXXX XXXX XXXX Upon receipt of this identity theft report with appropriate documentation, you are XXXX XXXX  LEGALLY MANDATED XXXX XXXX to : - XXXX XXXX IMMEDIATELY BLOCK XXXX XXXX the reporting of any information in the consumers file that the consumer identifies as information that resulted from identity theft - XXXX XXXX NOT report, provide, or communicate XXXX XXXX such blocked information, except in limited statutory circumstances XXXX XXXX XXXX NOTIFY furnishers XXXX XXXX of the information that the information XXXX be the result of identity theft XXXX XXXX  Subsection ( c ) - Exception for Resellers : XXXX XXXX Information blocked under this section shall not be reported by any consumer reporting agency except in response to a specific request by the consumer or under court order. \n\nXXXX XXXX XXXX  XXXX. FCRA 611 ( a ) - PROCEDURE IN CASE OF DISPUTED INFORMATION ( 15 U.S.C. 1681i ) XXXX XXXX  Subsection ( 1 ) ( A ) - Reinvestigation Requirement : XXXX XXXX  You must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information within XXXX XXXX 30 days XXXX XXXX of receipt. \n\nXXXX XXXX  Subsection ( 1 ) ( D ) - Notice to Furnisher : XXXX XXXX You must provide notice of the dispute to any person who provided any item of information in question XXXX XXXX within XXXX business days XXXX XXXX  of receiving the dispute. \n\nXXXX XXXX Subsection ( 5 ) ( A ) - Treatment of Inaccurate Information : XXXX XXXX If information is found to be inaccurate or incomplete or can not be verified, you must XXXX XXXX  promptly delete XXXX XXXX  such information and may not thereafter report such information. \n\nXXXX XXXX Subsection ( 6 ) ( B ) ( iii )- Written Notice : XXXX XXXX You must provide written notice of the results of any reinvestigation within * * XXXX business days * * of completion. \n\nXXXX XXXX XXXX 3. FCRA 623 - RESPONSIBILITIES OF FURNISHERS ( 15 U.S.C. 1681s-2 ) XXXX XXXX Subsection ( a ) ( 1 ) ( A ) - Accuracy Requirement : XXXX XXXX  Furnishers may not furnish information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. \n\nXXXX XXXX Subsection ( a ) ( 1 ) ( F ) - Identity Theft Prevention XXXX XXXX XXXX  Furnishers must have reasonable procedures designed to respond appropriately to any notification of identity theft received from consumer reporting agencies. \n\n* * Subsection ( a ) ( 6 ) - Duty Upon Notice of Identity Theft : XXXX XXXX  Upon notification of potential identity theft, furnishers must conduct reasonable investigations and not report information they can not verify. \n\nXXXX XXXX XXXX  4. FCRA CIVIL LIABILITY PROVISIONS XXXX XXXX XXXX - Civil Liability for Willful Noncompliance ( XXXX XXXX. XXXX ) : XXXX XXXX - Actual damages sustained by the consumer - Punitive damages as the court XXXX allow ( statutory range : $ XXXX {$1000.00} per violation ) - Attorneys fees and costs of the action XXXX XXXX 617 - Civil Liability for Negligent Noncompliance ( 15 U.S.C . 1681o ) : * * - Actual damages sustained by the consumer - Attorneys fees and costs of the action -- -- - XXXX XXXX  COMPREHENSIVE LEGAL DEMANDS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) XXXX XXXX XXXX 1. FDCPA 807 - FALSE OR MISLEADING REPRESENTATIONS ( 15 U.S.C. 1692e ) XXXX XXXX Subsection ( 8 ) - False Credit Information : XXXX XXXX  It is a violation for debt collectors to communicate or threaten to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n\nXXXX XXXX  Subsection ( XXXX ) - False Legal Status : XXXX XXXX Using any false representation or deceptive means to collect or attempt to collect any debt, including misrepresenting the legal status of fraudulent debts. \n\nXXXX XXXX XXXX XXXX. FDCPA 808 - UNFAIR PRACTICES ( 15 U.S.C. 1692f ) XXXX XXXX General Prohibition XXXX XXXX XXXX Using unfair or unconscionable means to collect or attempt to collect any debt, including attempting to collect fraudulent debts that were never legitimately incurred. \n\nXXXX XXXX XXXX  XXXX. FDCPA 809 - VALIDATION OF DEBTS ( 15 U.S.C. 1692g ) XXXX XXXX  Subsection ( a ) - Initial Communication : XXXX XXXX Collection agencies must provide debt validation information within 5 days of initial communication, which they can not legitimately provide for fraudulent accounts. \n\nXXXX XXXX Subsection ( b ) - Disputed Debt Procedures : XXXX XXXX If  the validity of a debt is disputed within 30 days, debt collection activities must cease until verification is obtained and mailed to the consumer - impossible for fraudulent debts. \n\nXXXX XXXX XXXX  XXXX. FDCPA CIVIL LIABILITY PROVISIONS XXXX XXXX 813 - Civil Liability ( 15 U.S.C. 1692k ) : XXXX XXXX XXXX XXXX XXXX Individual Actions : XXXX XXXX Recovery of actual damages plus additional damages up to {$1000.00} - XXXX XXXX Class Actions : XXXX XXXX Additional damages up to {$500000.00} or 1 % of the creditors net worth XXXX XXXX XXXX Attorneys Fees and Costs : XXXX XXXX Successful consumers may recover reasonable attorneys fees and costs XXXX XXXX XXXX XXXX XXXX IMMEDIATE ACTIONS REQUIRED - LEGAL COMPLIANCE DEMANDS Based on the aforementioned federal statutes and my confirmed status as an identity theft victim from multiple data breaches, I hereby XXXX XXXX DEMAND XXXX XXXX  immediate compliance with the following legally mandated actions : XXXX XXXX XXXX IMMEDIATE BLOCKING AND DELETION ( Within 15 Days ) : 1. XXXX XXXX PERMANENTLY BLOCK XXXX XXXX all information related to the three fraudulent accounts pursuant to FCRA 605B ( a ) 1XXXX XXXX XXXX PERMANENTLY DELETE XXXX XXXX all references to these fraudulent accounts from my credit files XXXX. XXXX XXXX  CEASE ALL REPORTING XXXX XXXX of these accounts to any third parties XXXX. XXXX XXXX NOTIFY ALL FURNISHERS XXXX XXXX within 5 business days that these accounts resulted from confirmed identity theft per FCRA 611 ( a ) ( 1 ) ( D ) XXXX XXXX XXXX  COLLECTION ACTIVITY CESSATION ( Immediate ) : 1XXXX XXXX XXXX CEASE ALL COLLECTION ACTIVITIES XXXX XXXX  related to these fraudulent debts pursuant to FDCPA 809 ( b ) 1. XXXX XXXX STOP ALL COMMUNICATIONS XXXX XXXX regarding these fraudulent accounts XXXX. XXXX XXXX RECALL ANY PENDING LEGAL ACTIONS XXXX XXXX related to collection of fraudulent debts XXXX XXXX XXXX CORRECTIVE NOTIFICATIONS ( Within 30 Days ) : XXXX. XXXX XXXX  NOTIFY ALL CREDIT GRANTORS XXXX XXXX who received copies of my credit report containing the fraudulent information within the past 6 months ( 2 years for employment purposes ) XXXX. XXXX XXXX PROVIDE WRITTEN CONFIRMATION XXXX XXXX of all deletions and corrections made XXXX. XXXX XXXX  SUPPLY FREE COPIES XXXX XXXX of my updated credit report from all three major bureaus showing the permanent deletions # # # ONGOING COMPLIANCE OBLIGATIONS : XXXX. XXXX XXXX MAINTAIN PERMANENT BLOCKS XXXX XXXX against any future reporting of this fraudulent information XXXX. XXXX XXXX IMPLEMENT SAFEGUARDS XXXX XXXX to prevent reinsertion of fraudulent data without proper legal recertification XXXX. XXXX XXXX ESTABLISH IDENTITY THEFT ALERTS XXXX XXXX on my credit files to prevent future fraudulent account openings XXXX XXXX XXXX XXXX XXXX  SUPPORTING DOCUMENTATION AND EVIDENCE XXXX XXXX Enclosed and incorporated by reference : XXXX XXXX XXXX XXXX XXXX PRIMARY DOCUMENTATION : - XXXX XXXX  Federal Trade Commission ( FTC ) Identity Theft Report XXXX XXXX  - Official government documentation of identity theft complaint - XXXX XXXX Equifax Data Breach Settlement Confirmation XXXX XXXX - Official proof of breach impact from XXXX - XXXX XXXX National Public Data Breach Evidence XXXX XXXX  - Screenshots and documentation showing my personal information in the compromised database - XXXX  XXXX  Government-Issued Photo Identification XXXX XXXX - Confirming my identity and legal name - XXXX XXXX Proof of Current Address XXXX XXXX  - Utility bills and official correspondence XXXX XXXX XXXX Social Security Administration Documentation XXXX XXXX - Confirming legitimate SSN ownership # # # SUPPLEMENTARY EVIDENCE : - XXXX  XXXX Screenshots of breach notification websites XXXX XXXX showing confirmed impact - XXXX XXXX Documentation of identity theft prevention measures XXXX XXXX taken following breach notifications- XXXX XXXX  Correspondence with financial institutions XXXX XXXX denying knowledge of fraudulent accounts - XXXX XXXX Timeline of breach discoveries XXXX XXXX and subsequent fraudulent account appearances XXXX XXXX XXXX XXXX XXXX LEGAL NOTICE OF INTENT TO PURSUE CIVIL REMEDIES This letter constitutes XXXX XXXX FORMAL LEGAL NOTICE XXXX XXXX that I will aggressively pursue all available legal remedies under federal and state law for any failure to comply with the demands set forth herein. My preparedness to take legal action includes, but is not limited to : XXXX XXXX XXXX  REGULATORY COMPLAINTS : XXXX. XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  - Filing comprehensive complaints regarding FCRA and FDCPA violations XXXX. XXXX XXXX  Federal Trade Commission ( FTC ) XXXX XXXX  - Reporting violations of federal consumer protection laws XXXX. XXXX XXXX State Attorney General XXXX XXXX  - Pursuing state-level consumer protection enforcement XXXX XXXX XXXX  State Banking Regulators XXXX XXXX XXXX Reporting violations to appropriate state regulatory bodies XXXX XXXX XXXX CIVIL LITIGATION : XXXX. XXXX XXXX XXXX XXXX Actions XXXX XXXX under FCRA 616-617 seeking : - Actual damages for credit harm, emotional distress, and financial losses - Punitive damages up to statutory maximums- Attorneys fees and litigation costs - Injunctive relief requiring compliance XXXXXXXX XXXX XXXX  Federal Court Actions XXXX XXXX under FDCPA 813 seeking : - Actual damages for harassment and collection attempts on fraudulent debts - Statutory damages up to {$1000.00} per violation - Attorneys fees and litigation costs - Cessation of all collection activities XXXX XXXX XXXX CLASS ACTION PARTICIPATION : XXXX. XXXX XXXX  Joining existing class action lawsuits XXXX XXXX  against entities that fail to properly handle identity theft cases XXXX. XXXX XXXX Initiating class action litigation XXXX XXXX if widespread violations are discovered XXXX XXXX XXXX XXXX XXXX  STATUTORY COMPLIANCE TIMELINE AND URGENCY This matter requires XXXX XXXX IMMEDIATE PRIORITY ATTENTION XXXX XXXX due to : XXXX XXXX XXXX TIME-SENSITIVE FACTORS : - XXXX XXXX Confirmed identity theft XXXX XXXX from XXXX separate major data breaches affecting billions of consumers - XXXX XXXX  Significant ongoing financial harm XXXX XXXX totaling {$22000.00} in fraudulent debt reporting - XXXX XXXX Continuous credit damage XXXX XXXX preventing legitimate credit applications and financial transactions - XXXX XXXX Federal statutory deadlines XXXX XXXX  requiring prompt investigation and response XXXX XXXX XXXX COMPLIANCE DEADLINES : - XXXX XXXX XXXX Business Days XXXX XXXX XXXX  Notification to furnishers ( FCRA 611 ( a ) ( 1 ) ( D ) ) - XXXX XXXX 15 Days : XXXX XXXX Initial blocking and deletion actions ( My demand for expedited processing ) - XXXX XXXX 30 Days : XXXX XXXX Complete reinvestigation and final resolution ( FCRA 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX STATUTE OF LIMITATIONS CONSIDERATIONS : XXXX XXXX XXXX  FCRA Claims : XXXX XXXX 2 years from discovery of violation - XXXX XXXX FDCPA Claims : XXXX XXXX 1 year from violation occurrence - XXXX XXXX Continuing Violations : XXXX XXXX  Each day of non-compliance constitutes a separate violation XXXX XXXX CRITICAL NOTICE : XXXX XXXX Any delay in compliance beyond these timeframes will be considered evidence of willful violations of federal consumer protection laws and will result in enhanced damages and penalties in subsequent legal proceedings. \n\n-Sincerely, XXXX XXXX","date_sent_to_company":"2025-07-24T18:38:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"435XX","tags":null,"has_narrative":true,"complaint_id":"14851247","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-24T18:38:12.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX CONFIRMED IDENTITY THEFT VICTIM - MULTIPLE <em>DATA</em> <em>BREACHES</em> I am a XXXX XXXX CONFIRMED VICTIM OF IDENTITY THEFT XXXX XXXX resulting directly from XXXX XXXX TWO SEPARATE MAJOR <em>DATA</em> <em>BREACHES</em> XXXX XXXX that have systematically compromised my most sensitive personal identifying information : XXXX XXXX XXXX  <em>BREACH</em> XXXX  XXXX : EQUIFAX <em>DATA</em> <em>BREACH</em> <em>SETTLEMENT</em> - XXXX XXXX Official Website Confirmation : XXXX XXXX eligibility.equifaxbreachsettlement.com - XXXX XXXX <em>Breach</em> Impact Status"]},"sort":[10.570877,"14851247"]},{"_index":"complaint-public-v1","_id":"7400455","_score":7.657388,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 To Whom It May Concern : Since XX/XX/XXXX, I have requested that Wells Fargo allow me to pay my home mortgage. Wells Fargo has not allowed me to pay, without adding interest. Representatives of Wells Fargo have not been helpful during this 3 year dilemma. In fact, they appear to be completely satisfied with allowing interest to accrue. I received a letter, dated XX/XX/XXXX, from Wells Fargos Enterprise Complaints Management Office that states we confirmed we sent two letters to you about the upcoming maturity of your account on XX/XX/XXXX and XX/XX/XXXX. \n\nIn conversation with a Wells Fargo Executive Office Case Specialist, XXXX XXXX, I was informed that Wells Fargo had to calculate a payoff based on the loan amount in XX/XX/XXXX. Therefore, the statement regarding the letters about the upcoming maturity of [ my ] account on XX/XX/XXXX and XX/XX/XXXX does not make sense. According to XXXX XXXX statement, Wells Fargo could not provide a payoff amount before the last month of the loan. \n\nHere are the facts.., 1. This secondary mortgage with Wells Fargo was on my primary residence.\n\n2. The primary mortgage was also with Wells Fargo, on the same residence.\n\n3. This secondary mortgage with Wells Fargo was active for over 10 years.\n\n4. The primary mortgage was also with Wells Fargo was initiated at the same time as the secondary mortgage.\n5. The primary mortgage remains active.\n\n6. This secondary mortgage with Wells Fargo was paid on time every month for the life of the loan with the exception of the final payment, which was prevented by Wells Fargo.\n\n7. The primary mortgage has been paid on time every month since inception.\n\n8. Wells Fargo has not provided an amortization schedule with accrued interest.\n\nGiven the payment history and the facts listed above, it is reasonable to conclude that a payment would have been made if Wells Fargo allowed it. For several years, I have been asking Wells Fargo to accept the final payment, in full and without interest for the period after XX/XX/XXXX. This is a simple ask considering their missteps in providing me with a final payment letter and their history of mortgage scandals. I am asking that Wells Fargo allow me to make the final payment, in full and without interest for the period after XX/XX/XXXX. \n\nThe Executive Office Case XXXX, XXXX XXXX, stated in his XX/XX/XXXX letter that I called Wells Fargo on XX/XX/XXXX regarding access to [ my ] online account. I also called in XX/XX/XXXX. None of my calls resulted in a payoff notice. Wells Fargo was unmoved as interest began accruing, improperly. The Executive Office Case Specialist, XXXX XXXX, stated that an investigation would take place. After approximately two weeks, Wells Fargo sent an invoice with even more accrued interest. Using the words of the Administrative Law Judge, assigned to hear the fake-account scandal in the XXXX with the Office of Financial Institution Adjudication , Wells Fargo [ failed ] to provide credible challenge. After a decade of making timely payments on the Wells Fargo, there is no acceptable reason that Wells Fargo did not allow me to make my final payment online. \nCreditors must allow online payment for several compelling reasons : 1. Convenience : Online payment offers a high level of convenience for both the creditor and the debtor. It eliminates the need for physical checks, cash, or money orders, saving time and effort for both parties. Debtors can make payments from the comfort of their homes or anywhere with internet access, and creditors can receive payments without the need for manual processing or visits to physical locations.\n\n2. Faster Processing : Online payments are typically processed much faster than traditional payment methods. Once a debtor initiates an online payment, the transaction can be completed and recorded within seconds or minutes. This swift processing benefits both creditors and debtors by ensuring timely and efficient payment processing, reducing the risk of late payments, and improving cash flow for the creditor.\n\n3. Global Accessibility : Enabling online payment options allows creditors to expand their reach beyond local or regional boundaries. Debtors from anywhere in the world can make payments easily, regardless of their geographical location. This broadens the customer base for creditors and facilitates business transactions across borders, promoting international trade and economic growth. \n4. Enhanced Security : Online payment systems employ robust security measures to protect sensitive financial information. Encryption, tokenization, two-factor authentication, and other security protocols ensure that payment transactions are secure and safeguarded against unauthorized access. This instills confidence in debtors, encouraging them to make payments online without concerns about potential fraud or data breaches. \n5. Cost Savings : Online payment methods are generally more cost-effective for both creditors and debtors. Creditors can save on administrative costs associated with processing physical checks or cash payments, such as manual data entry, bank reconciliation, and check handling. Debtors can also avoid costs associated with postage, money orders, or potential late fees due to postal delays.\n\n6. Improved Recordkeeping : Online payment systems provide accurate and easily accessible records of all transactions. Both creditors and debtors can keep track of payments made, dates, and amounts, eliminating the need for paper-based records. In case of disputes or discrepancies, having digital records simplifies the resolution process and provides an audit trail for reference.\n\n7. Customer Satisfaction : Offering online payment options enhances customer satisfaction. Many people prefer the convenience and flexibility of making payments online. By accommodating their preferred payment method, creditors can create a positive customer experience, improve customer retention, and foster long-term relationships. \n\nIn summary, allowing online payment benefits creditors by providing convenience, faster processing, global accessibility, enhanced security, cost savings, improved recordkeeping, and increased customer satisfaction. Embracing online payment methods aligns with the digital transformation of financial services and promotes efficient and seamless transactions in today 's interconnected world. \n\nWells Fargo prevented me from making the final payment online. Then, added interest after it removed my ability to make the final payment. Since the loan matured, I have requested that Wells Fargo remove the interest so I could pay the final balance. Similar to Wells Fargos Mortgage Payment Scandal where the bank failed to properly process mortgage payments, resulting in improper fees and penalties being charged to customers, Wells Fargo prevented me from paying while it ratcheted up the interest on my loan. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Wells Fargo {$1.00} XXXX for the Mortgage Payment Scandal. \n\nCreditors such as Wells Fargo have a responsibility to ensure that the credit reporting information, they provide to credit reporting agencies is accurate and complete. Wells Fargo has violated the responsibility it has to provide accurate and complete information. Since Wells Fargo prevented my ability to pay, as I did for years before the final payment, it has provided inaccurate and incomplete information in two ways : 1 ) Wells Fargo did not report that it prevented payment during the last month of the loan ( and approximately three months after ) ; 2 ) Wells Fargo never reported that the account was in dispute for interest that accrued after it prevented final payment. In the month during, and at any time after, the final payment was due, Wells Fargo could have provided a mechanism for me to pay the final payment without placing additional interest due to its illegal delaying tactic. The actions by Wells Fargo in this matter are consistent with its actions in the Mortgage Payment Scandal referenced above, where it was fined {$1.00} XXXX by the CFPB. After nearly a hundred interactions over several years with Wells Fargo representatives, the company has not allowed me to pay the final loan amount even before the final payment was due. Because Wells Fargo changed the payment method, in the last month of the loan, and charged interest as it delayed providing an alternate payment method, it has consistently provided inaccurate and incomplete information regarding my account. \nThe Fair Credit Reporting Act ( FCRA ) requires that creditors such as Wells Fargo to furnish accurate and complete information to credit bureaus in a timely manner, and that they correct any errors or inaccuracies that are brought to their attention. I have brought this information to Wells Fargos attention on dozens of occasions. The responsibility of creditors such as Wells Fargo for accurate credit reporting is essential because the information provided by creditors is used by credit reporting agencies to determine creditworthiness and credit scores. Inaccurate information can lead to errors in credit reports, which can in turn lead to negative consequences for consumers, such as being denied credit or receiving higher interest rates on loans. The inaccuracies provided by Wells Fargo to all credit reporting agencies has harmed my employment options, increased my insurance and loan rates, and destroyed my credit. With its history of fraud to include the Mortgage Payment Scandal ( {$1.00} XXXX fine in XXXX ), Credit Card Payment Scandal ( {$180.00} XXXX fine in XXXX ), Auto Loan Payment Scandal ( {$1.00} XXXX fine in XXXX ), Wells Fargo is known for providing inaccurate and misleading information. As a result of these scandals and others, Wells Fargo has experienced fines, legal action, public criticism and calls for accountability from customers, lawmakers, and regulators. Wells Fargos governance structure, internal controls, and FCRA compliance practices are highly questionable. Without question, my loan was likely part of one of several mortgage scandals, a few are listed below. \n\nXXXX : Wells Fargo agreed to pay {$85.00} XXXX to settle claims that it steered borrowers into high-cost, subprime loans, resulting in discriminatory lending practices. This was part of a broader settlement involving several major banks. \nXXXX : Wells Fargo settled a lawsuit for {$170.00} XXXX, which alleged that it discriminated against XXXX and XXXX borrowers by charging them higher fees and rates than white borrowers with similar credit profiles. The settlement included compensation for affected borrowers and changes to lending practices. \nXXXX : Wells Fargo agreed to pay {$1.00} XXXX to settle civil claims that it certified mortgage loans as eligible for Federal Housing Administration ( FHA ) insurance when they were not. \nXXXX : Wells Fargo reached a settlement of {$480.00} XXXX related to a class-action lawsuit accusing the bank of having made misleading statements about its residential mortgage-backed securities to investors. \nXXXX : Wells Fargo agreed to pay a {$2.00} XXXX penalty to settle claims related to its role in originating and selling residential mortgage loans that it knew contained misstated income information. \nXXXX : Wells Fargo agreed to pay {$3.00} XXXX to resolve criminal and civil investigations into its practices related to its sales culture, including opening unauthorized accounts and other issues. \n\nThe examples listed above show a pattern of mortgage improprieties. This list is not exhaustive, several more examples exist. I am asking that Wells Fargo allow me to make the final payment, in full and without interest for the period after XX/XX/XXXX. \n\nRegards, XXXX XXXX","date_sent_to_company":"2023-08-14T18:34:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20011","tags":"Servicemember","has_narrative":true,"complaint_id":"7400455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-14T18:16:20.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The <em>settlement</em> included compensation for affected borrowers and changes to lending practices. \nXXXX : Wells Fargo agreed to pay {$1.00} XXXX to settle civil <em>claims</em> that it certified mortgage loans as eligible for Federal Housing <em>Administration</em> ( FHA ) insurance when they were not. \nXXXX : Wells Fargo reached a <em>settlement</em> of {$480.00} XXXX related to a class-action lawsuit accusing the bank of having made misleading statements about its residential mortgage-backed securities to investors."]},"sort":[7.657388,"7400455"]},{"_index":"complaint-public-v1","_id":"4350501","_score":6.415296,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my Complaint against Nationwide Title Clearing, Inc ( NTC ) for their unlawful and deceptive business practices ; and my demand to provide full disclosures regarding OWNERSHIP of my so-called loan and identify the Principal, an owner of my purported debt who hired NTC and MERS to prepare fatally defective assignment to XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. \nMortgage assignment reflects a change in creditor ownership, while the sale of servicing rights from servicer to servicer are entirely different matters. Servicing rights do not exist in a vacuum. It must be a Principal who is the lawful owner of the debt and who has my so-called loan on their general Ledger account RECEIVABLE where my loans is RECORDED as an asset. That would be the account where debits and credits are posted, resulting in an adjustment of the value of the account. That is, in other words, the place where the loan can be found. That is the only place. There is only one way an entry is made on any ledger a transaction has occurred and the ledger shows the debit from one account and a credit to another account. Each transaction has a paper trail usually starting with receipt or payment of money. So there is a wire transfer receipt, ACH receipt, or canceled check that will prove the payment along with some bill of sale or other documents describing the transaction in which a third party has agreed to the terms. This is required by GAAP that is the law and no amount of argument can escape the simple fact that if someone is claiming an ownership of someones loan, this debt must exist.. Without the loan account receivable on a proper accounting ledger there can be no such claim and there isnt.\n\nSelf-proclaimed Servicers own nothing except servicing rights that might have been worth something if there was any owner of an account receivable with my name on it. But no such person or entity existed. Hence the servicing rights, just like the title rights in MERS and the administration rights in the named trustee were strictly an illusion. And every assignment ( transfer of ownership ) is conducted in accordance with UCC Art. 9/203, where the SALE of any mortgages can be proven by a copy of a cancelled check ; or wire transfer ; and the release of lien by the Seller.\n\nAs of today I have absolutely no knowledge who is the Lender ( which is not XXXX XXXX XXXX XXXX ) and who is the legal owner of my purported debt who on XX/XX/XXXX hired MERS and NTC to prepare and record fatally deficient assignment to XXXX. Nobody ever confirmed to be a Seller of my loan ; along with evidence of ownership ( proof of payment ) to be the Owner of my purported debt. Moreover, from the beginning of this transaction I was actively misled about the true parties XXXX XXXX XXXX XXXX XXXX ( former XXXX XXXX, XXXX ) who sent me a Commitment Letter on XX/XX/XXXX indicating that I will buy Calibers loan ; XXXX XXXX XXXX XXXX, who was the originator of this transaction via their Empower ; and a Big Bank ( XXXX  XXXX XXXX ) who financed my transaction with borrowed from undisclosed investors money. \n\nOn XX/XX/XXXX someone ( who was never disclosed to me ) transferred my so-called loan to XXXX via XXXX prepared by Collateral Shipper XXXX XXXX. When I asked where XXXX was working and who authorized him to prepare this XXXX, nobody responded to my inquiry. \n\nOn XX/XX/XXXX I received a letter from XXXX claiming that XXXX transferred them some servicing rights. Obviously, any transfers of servicing must be made after they are authorized by the legal owner of my purported debt. \n\nWhen I asked whom XXXX and XXXX is servicing and who appointed them as Servicers, both companies relentlessly lied but never gave me a clear answer who is the owner who has account receivable on their general ledger where my money are deposited who approved these changes of Servicers. \n\nAccording to XXXX, someone sold them my purported loan which is pooled in XXXX XXXX Pooled Security XXXX where XXXX XXXX XXXX XXXX is a Trustee. In other words, under Big Banks legend, the owner of my purported loan must be XXXX XXXX XXXX XXXX XXXX and BONY must be an authorized Agent of the Principal who is also a custodian for all documents, particularly Mortages and Notes. \n\nHowever here are no records of existence of any Pooled Security XXXX, no need to say nobody claimed to be a Trustor who established this pooled security. VA and HUD have absolutely no records of any sales and who is the owner of my purported debt since all their information is provided by XXXX XXXX XXXX. Moreover, VA has no idea whom the guarantee payments since all their information is provided by XXXX XXXX XXXX. \n\nBear to repeat, someone transferred my loan to XXXX on my closing day, thus XXXX lied to Federal Authority that they merely assumed servicing from XXXX on XX/XX/XXXX. XXXX has no idea when servicing transfer to XXXX took place ; and here is no evidence of any sales as well as no one claimed to be a Seller. \n\nMoreover, from XX/XX/XXXX to present time Federal Reserve purportedly purchased XXXX XXXX mortgage backed bonds thus theoretically became the creditor without any Notices to me or any releases of liens by the prior owner ( if exists ) and thus should be the Principal who hired MERS and NTC to prepare this Assignment. But the reality is that when the Federal Feserve was publicly stating that it was purchasing mortgage bonds from GSEs and the banks, none of that was true. There were no mortgage bonds. There were certificates issued to investors representing an IOU from an investment bank. The certificates were owned by investors, not by the investment banks who were selling them. The Federal reserve was purchasing thin air or blank paper created and issued by the investment banks solely for the purpose of \" sale '' to the Federal reserve who hosts XXXX XXXX XXXX scheme on their XXXX XXXX XXXX and XXXX XXXX XXXX. \n\nYet, the Assignment states that MERS, acting on behalf of a Principal, as nominee for XXXX ( dissolved in XX/XX/XXXX ) apparently hired NTC to prepare and record this Assignment where MERS Vice President XXXX XXXX, who is personally known by Notary XXXX, transferred ownership of my purported debt ( mortgage ) without transferring the Note, to XXXX in unknown capacity on XX/XX/XXXX. \n\nFor some reason all other parties are ignored from the chain of ownership such as XXXX, XXXX XXXX ( who is still listed as Investor/Guarantor on MERS ServicerId, while my purported mortgage appears to be inactive, thus outside of MERS authority which MERS never had with XXXX or XXXX XXXX since MERS only serves its members. Neither XXXX or XXXX XXXX never been MERS members ; thus, XXXX XXXX does not have agency relationship with MERS to authorize MERS to transfer ownership of my purported debt to anyone. \n\nYet, XXXX claimed to be owner of my debt and later said that the owner is XXXX XXXX, while according to Wall Street Stockbrokers, the owner is a Trust ( here- imaginary Pooled Security XXXX where BONY is a purported Trustee ) Unfortunately for Nationwide Title Clearing and its clients, a paper assignment can not ratify an event that never occurred. The event is the purchase of a loan or many loans. The proof is not the assignment but the payment for the assignment. I dont have ANY proof of any sales. Moreover, nobody confirmed to be a SELLER. \n\nNationwide Title Clearing is selling the concept that if they forge, fabricate and robosign a document at a nominal cost for the servicer that they can make the assignment ( or note ) valid. The proper way to look at it would be for NTC to actually investigate that there was a transaction and then proceed knowing the assignment could be valid and could therefore be legally ratified. If there is no transaction, there is nothing to ratify and therefore the assignment is void, not voidable, and must be remediated aka removed from the public records, as NTC agreed in the XXXX and XXXX Settlements with Attorney Generals office.\n\nNTC refused to provide me any disclosures who is the Principal who hired MERS to act as nominee for XXXX ; and who is NTC client who is the owner of my purported debt who paid NTC commission or other fee and who instructed them to prepare, execute and file this Assignment in XXXX XXXX Recorder of Deeds. \n\nNTC refused to validate Mr. XXXX employment as MERS Vice President and provide me his direct contact information, where exactly Mr. XXXX works, his email and phone number, so I can contact Mr. XXXX and ask him directly regarding ownership of my purported debt and who is MERS client and the Principal whom MERS serve. \nIt is not a secret and well-described in IL AG Madigans case and in NTC employee Lances deposition that people who place electronic signatures and pose as MERS VPs are actually employees of NTC who prepare documents of assignment and transfer and record them without any knowledge of any transactions ; he has no knowledge or power to stop it or to verify that it is correct. To be clear, the law requires something different. No law allows anyone to prepare, execute, notarize or record a document that is not known, for a fact, to be memorializing some actual event in the real world. No signature is valid unless the signor knows that the document is true and accurate as to what is on it. Authorization to execute an unknown document is no authorization at all. \nOn XX/XX/XXXX I received a respond from NTC lawyer XXXX XXXX ( who is also a CPA ) who stated that NTC is [ .. ] simply unable to provide me the remedy that you seek and that any challenges to the assignment or any request for recorded documents to be removed from the public records are matters between you and your prior or current mortgage lenders or servicers. We are not legally authorized to provide you with the relief you seek '' Mr. XXXX statements are not true and clearly violate terms of their Settlement with Florida Attorney General in XXXX where NTC expressly consented to XXXX NTC shall ensure that no mortgage-related document is signed by NTC on behalf of a client without the client 's express and specific authorization and NTC shall maintain up to date records of such authorization. \n\nXXXX. To the extent necessary, NTC agrees to continue to remediate any such documents when reasonably necessary to assist any person or borrower or when required by state or local laws. \nIdentical case was filed by IL Attorney General XXXX on XX/XX/XXXX. According to Final Decree in Case 12-CH-o3602, Illinois vs. NTC, ORDERED that Defendant [ .. ] comply with and remain in compliance with Section 2 the Consumer Fraud Act and Section 2 of the Uniform Deceptive Trade Practices Act. with the following terms : a. Defendant shall not sign a document that is recorded in the county recording offices [. ] unless the person signing the document ( the signatory ) has performed a substantive review of the information contained in the document to ensure the accuracy and validity of that information. Substantive review means that the signatory must read, understand, and review each document to be recorded.\n\nd. Documents signed by signatories at the direction of the Defendant for the purpose of recordation in Illinois shall accurately identify the signatory s employer ( e.g., employed by Nationwide Title Clearing, Inc. ) and indicate that the signatory has the qualified authority to sign on behalf of the financial institution or mortgage servicer.\n\ne. Documents recorded by Defendant shall accurately reflect the nature and substance of the transaction.\n\ng. Defendant shall remediate ANY document [. ] that is found to be a cloud on title or otherwise unlawful. Defendant shall also remediate any document when reasonably necessary to assist any person or borrower, or when required by federal, state, or local law. Defendant shall establish, advertise and staff a toll- free telephone hotline where consumers may ask questions regarding any document executed by NTC , including but not limited to requests that NTC remediate a document.\n\nRemediation means REMOVAL of bad or defective documents from the public records by NTC ; and full disclosures to the Customers, as required by the Uniform Deceptive Trade Practices Act and MI 445.903 Unfair, unconscionable, or deceptive methods, acts, or practices in conduct of trade or commerce are prohibited.\n\nThus, NTCs refusal to cooperate constitutes their breach of both settlements and intentional and/or negligent violations of Federal and State laws.\n\nThe Assignment prepared by NTC employee XXXX XXXX is fatally defective and contains numerous false and misleading information and must be remediated and removed immediately by NTC, as required by the Settlements. \n\nI further demand XXXX XXXX to provide me the name of the Principal and the legal owner of my purported debt ( if any ) who had authority to hire MERS and NTC to transfer ownership of my purported debt to XXXX. \nI demand XXXX XXXX to describe in which capacity XXXX accepted the assignment ( ownership ) of mortgage ; and why nobody assigned XXXX my Note. Mortgage Assignments : Assignment of a Mortgage Without the Underlying Note is A Nullity in all jurisdictions. It is the general rule in Florida ( where NTC is incorporated ) that the transfer of a mortgage note transfers with it the related mortgage. The mortgage note is regarded as the principal item with the mortgage being regarded as a mere accessory. 6 Fla. Jur. 2nd, Bills and Notes, Section 123. Hence the adage \" the mortgage follows the note. '' \" All the authorities agree that the debt is the principal thing and the mortgage an accessory. The apparent rule in Florida is that an assignment of a mortgage without an assignment of the related mortgage note is deemed a nullity and creates no right in the assignee because a mortgage is a mere lien incidental to the obligation it secures. 37 Fla. Jur. 2nd, Mortgages, Section 511. See e.g., Sobel v. Mutual Development , Inc., 313 So.2d 77 ( Fla. 1st DCA 1975 ). Vance v. Fields, 172 So.2d 613 ( Fla. 1st DCA 1965 ).\n\nAgain, ALL transfers must be conducted and authorized by a Principal who is a legit owner of the underlying obligation ( if any ). As of today here is no evidence of any ownership as well as here are no loan account receivable held on the ledger of any Company. All my payments are cashed by XXXX XXXX XXXX via XXXX who have lockbox agreements with XXXX XXXX XXXX XXXX ( the originator of my transaction ). \n\nAll property taxes and insurances are paid by CoreLogic, who was recently accrued by XXXX  XXXX XXXX and XXXX XXXX via their sham conduits Mr. XXXX XXXX Holding ( owner of XXXX XXXX, former XXXX XXXX XXXX XXXX-2 ) ; Senator Fund operated by XXXX banker XXXX XXXX ; and Stone Point ( operated by XXXX XXXX XXXX XXXX XXXX XXXX. Here are no single document ( except NTCs assignment ) which is related to XXXX as a Servicer no need to say owner of my purported obligation On XX/XX/XXXX XXXX XXXX sued XXXX for theft of proprietory secrets from their MSP ; and confirmed that XXXX XXXX is originating over 62 % of ALL so-called loans. XXXX XXXX processed my Application for a Loan acting on behalf of their client XXXX Mortgage who was a pretender lender hired for a small fee. \n\nThe reason for the absence of accounting or original documents is simple. The securitization players had to avoid any loan account when they sold securities because if they owned a loan account they would be accused of selling the same loan over and over again. Instead, they sold securities representing performance data bets on nonexistent loan accounts as reported in the sole discretion of the investment bank who was operating under the fictitious name of the REMIC trust. \n\nThe Government decided that its simply OK now to lie to consumers about who is lending them money and what risks consumers are assuming without knowing anything about it. There is no incentive at all to make a viable, workable loan that provides the benefit of a bargain to both a lender and a borrower because there is no lender. \n\nWhat we have instead are originators who pretend to be lenders ( hence pretender lenders ) and who are treated as though they are lenders even though they have no lending intent. Their intent is to make a fee which is disguised as the profit on selling a mortgage and note that they never owned. Because it is labeled as a sale the word fee is avoided. but that doesnt make it a sale.","date_sent_to_company":"2021-05-04T09:36:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"4350501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nationwide Title Clearing, Inc.","date_received":"2021-05-04T08:53:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Thus, NTCs refusal to cooperate constitutes their <em>breach</em> of both <em>settlements</em> and intentional and/or negligent violations of Federal and State laws.\n\nThe Assignment prepared by NTC employee XXXX XXXX is fatally defective and contains numerous false and misleading information and must be remediated and removed immediately by NTC, as required by the <em>Settlements</em>."]},"sort":[6.415296,"4350501"]},{"_index":"complaint-public-v1","_id":"7230445","_score":5.70676,"_source":{"product":"Mortgage","complaint_what_happened":"Mortgage Payments Stolen Greetings, I pray all is well. \n\nDue to the circumstances surrounding this complaint, I am in DIRE NEED of assistance from your office and/or other offices if deemed necessary. \n\nOn XXXX I was again informed by my mortgage company ( USAA, XXXX XXXX, XXXX XXXX, and whatever other names they go by these days ) that they have never received the mortgage assistance funds myself and other offices have been tracking and inquired about. They claim they have NOT received such funds and are not aware of such payments. They provided this false information to myself and investigative/government offices. \n\nI have advised them on numerous occasions that such payments totaling {$12000.00} was made towards my mortgage on XXXX. Similarly, a {$50000.00} payment was sent to them in error and was to be forwarded to the Bankruptcy Court to satisfy my XXXX XXXX  legal requirement and to prevent my case from being dismissed. They refused to forward funds to the court as directed, and have advised several times that they can do as they please, by keeping the money and altering/falsifying financial figures they provide to me and government agencies. They ( the bank, mortgage co, et al ) were aware of my health complications at the time and worked tirelessly to overwhelm me with their unwarranted lawless attacks. They also decided to try and take advantage of this opportunity to exploit, stealing at least {$17000.00}, that not only caused my XXXXXXXX XXXX Bankruptcy case to be dismissed, but their lawlessness has caused various hardships, in addition to continued/escalated foreclosure threats and other attacks. \n\nThey refuse to satisfy my request for mortgage payment receipts. They refuse to satisfy my request for a complete copy of all my records from their office ( s ), system ( s ), and all other data/information storage systems. They refuse to correct their records to show payments were made. These mortgage payments were made. Governmental and non-governmental offices confirms this fact, yet they still continue to commit criminal/unlawful acts to try to steal my {$500000.00} home, this is in addition to the XXXX they have already stolen. Evidence reveals that they have been seamlessly running this lucrative scheme for quite some time, which is interesting. \n\nThis organization and many of its members/agents/partners/affiliates continue to commit fraud by not only stealing peoples payment funds, but also by making false claims against their victims/targets in order to unlawfully absorb/acquire their properties and wealth. These unlawful, illegal, treacherous, immoral, unethical acts against protected groups CAN NOT be allowed nor tolerated. \n\nI still require from them a receipt of all payments and a complete copy of all records involving myself, my property, my payment history details and all other pertinent notes and files from their offices, systems, etc. \n\nAlso, their proprietary data contains logs/records of some of their unlawful/illegal practices/operations. \n\nMy goal is for them to cease and desist all harassment and attacks against me, my property, property occupants, et al. These actions/attacks include but not limited to extortion, blackmail, unlawful/frivolous debt collection practices, fraud, defrauding the government, theft, and threats. \n\nThrough internal, third party and governmental investigations and inquiries the perpetrators continue to claim that they have never received any assistance funds, however, attached is proof to the contrary. Attached are copies of payments made by governmental and veteran services offices to them ( mortgage company, bank, USAA, XXXX XXXX XXXX XXXX ). \n\n\nPLEASE NOTE : Them/they/their = any and all perpetrators involved. \n\nTheir lawlessness have negatively affected vital government projects. \n\nTheir lawlessness have caused myself, team members, prospective tenants and others to be displaced, in addition to causing many other hardships. \n\nTheir lawlessness have prevented my XXXX XXXX  case from being completed/confirmed and have negatively affected my credit profiles and quality of life. \n\nTheir lawlessness have prevented me from obtaining medicine and medical treatment I require. \n\nTheir lawlessness have caused severe hardships for myself, occupants, guests, ASPs ( Assistant Service Providers ), VSOs ( Veteran Service Officers ), their own employees who were helpful, and so many others who were helpful and then eventually removed and/or eliminated. \n\nAgents have advised that many of the perpetrators are members of various SGs ( Sabotage Groups ), that exploit, blackmail, threaten, and covertly attack their targets. Emails, texts, mail, letters, notes and other evidence reveals the legitimacy of this complaint and any other complaint. On numerous occasions they attempted to destroy all evidence, however, other offices have retained records. \n\nThey were fraud from day one and their lawlessness void/nullify/breach all contract/agreements and the damage they have caused far exceeds the value of my home many times over. Yet they expect me to extend/prolong our strained relationship, further enrich them and fund their corruption. The absurdity. \n\nThey have launched many coordinated covert attacks to prevent/block/restrict me from gaining access to credit, loans, financing and other resources. \n\nThey have framed me, ruined relationships, and destroyed law abiding advocates/supporters. \n\nThe bankruptcy shows on my credit profile and needs to be removed. Because of their lawlessness I did NOT benefit from the bankruptcy, especially due to it being dismissed/cancelled after they refuse to relinquish funds that were designated for my XXXX XXXX Bankruptcy payment. There is no reason for my life or other peopless lives to be continuously negatively impacted by their lawlessness. Its just issues after issues after more issues, they are out of line, they are out of order, they are out of control. I will NOT fund this circus. \n\nSome of their crimes rage from identity theft/bodily harm/emotional and property damage to vandalism/destruction/theft of multiple vehicles, flooding homes, hacking bank accounts and stealing funds, and hacking and taking over email accounts that contain vital/confidential information for government projects. They also buy, sell, trade, and unlawfully access information/records protected by HIPPA and other laws. They are unchecked, immoral, lawless, sick creatures that must be stopped. \n\nI have also been harassed over 100 times with them calling my phone and not speaking a word, they wont respond to me, but yet theyll snicker and laughing and then hang up. Many times they will do this several times a day. Their name ( XXXX ) shows on the Caller ID when they call. If or when they provide logs or records, I am certain it will not include anything that will incriminate them. \n\nThe harassment, theft of mortgages payments, and other unlawful, unauthorized activities they engage in are covertly and strategically devised and carried out. Law abiding parties/agents have advised these incidents and SGs ( Sabotage Groups ) are in connection with the major XXXX data leaks, theft of secret information, patents and other intellectual property. This is in addition to theft, and damage of other items, property and systems. \n\nThese lawless groups include but not limited to rouge military intelligence agents, rouge law enforcement agents, spies, hackers, and other criminals that have threatened, injured, tortured, eliminated protected groups of innocent people. \n\nMembers of their interconnected SGs also cause damage to vehicles, homes, and to the lives of so many other innocent people. Many times, shortly after they attack they will call my phone, they wont speak a word but theyll laugh. Then many times theyll cause certain electrical items to go out/malfunction when its needed most, then theyll call/text/email me asking how those items are doing and how Im holding up. And different times when I was mourning a loss their agent ( s ) would call to invite me out to celebrate and party. \n\nThese lawless creatures also warned that they can see what goes on in the offices and homes of their victims/targets. \n\nIf this extreme level of fraud, deception and corruption is acceptable, then they can also accept monopoly game money to payoff any balances they desire to be paid. But i will not participate in this madness. Their treacherous and dishonorable acts have voided all arrangement/agreements. \n\nNot only did I not get any relief from the XXXX XXXX bankruptcy filing, but they made sure it still damaged my credit and caused undue hardships that couldve been avoided/prevented had they not stolen the funds and committed other unlawful acts to cause further damage. \n\nThe theft, damage and destruction of my vehicles has prevented me from receiving follow-up treatment for my service-connected XXXX. They also threaten, attack, eliminate doctors, teachers, lawyers, government officials, et al. \n\nThey also harass and torture the elderly and disabled people and steal their disability money and other assets. \n\nThe information provided here is based on indisputable facts, and is only a fraction of whats going on. These criminals claim and have shown that they can manipulate, control, access, hack, influence most people, offices and systems. \n\nI did not serve my country and provide a service to other countries only to be attacked by my own people in my own land. \n\nUnfortunately, due to their unchecked privacy/security breaching/violating methods/technologies they may receive my complaint against them before it makes it to your office. I would not be surprised for it would not be the first time. \n\nMany members of these groups have expressed extreme hatred towards the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many of these interconnected group members conspire against others who do not support/join their attack missions/campaigns. \n\nMany members of these groups intercept/delay/steal important communication via USPS and other methods .\n\nThey also attack to delay/prevent their targets from timely filing for, investigations, inquiries, refunds, legal action and any other necessary actions. Which is why corruption of this magnitude needs to be fully investigated regularly and then fully reinvestigated regularly and/or when necessary. \n\nThey change accurate address and other account information to inaccurate information with various providers/institutions. This is in addition to holding/freezing/stealing funds. \n\nDue to their actions I am a victim and survivor of multiple identity theft attacks. \n\nOver the years they have destroyed/stolen mountains of evidence to protect themselves and other criminals. \n\nIt is also very interesting and has happened on numerous occasions, shortly after my microwave, AC, heating, fridge, lights or other system start to malfunction or goes out completely I get mysterious calls, texts, emails and/or other notifications inquiring about said item ( s ). These notifications typically disappear within seconds. Seconds after saving the contact information on my phone, it quickly vanishes, leaving without a trace. Around that same time I received calls from my mortgage company and others. When I answer the phone they do not speak a word, but you can hear them breathing, laughing and snickering. Sometimes the Caller ID shows USAAXXXX and sometime it doesn't. Sometimes their greeting/intro plays just before the strange silence, breathing and other nonsense. \n\nLawyers and doctors and other advocates have been threatened and/or eliminated. \n\nAgents have warned that many of their attacks where launched to help themselves and other criminals steal more intellectual property material of mine and others. \n\nThey somehow even blocked me from accessing my CFPB online account countless times. Thats very interesting. \n\nA Notice of Error was issued to USAAXXXX on XXXX and another NOE issued the following month. Unfortunately, the copies of the NOEs appears to have been removed from the system and emails, so I am unable to attach at this time. However, I am confident that if these documents are needed, a copy can easily be retrieved legally somehow. \n\nRecords show that others have had the same or similar experiences I have had with USAA/XXXXXXXX, et al. \n\nSome of their targets/victims have been silenced, including some of their own employees. \n\n\n\nPLEASE NOTE : Upon dealing with countless unjustified attacks from USAA, XXXX, Mr.Cooper, their agents, representatives, affiliates, and partners, they have all been put on notice. \n\nNotice is as follows : All Rights Reserved. \n\nUpdated Notice : NOTICE TO PRINCIPAL IS NOTICE TO AGENT & NOTICE TO AGENT IS NOTICE TO PRINCIPAL All Rights Reserved & Exercised Indefinitely. Which also includes/applies to any and all business/commercial and non commercial dealings, all tender/currency/finances/money/exchange/property and the like with regards to myself, my home, occupants, property and all other matters. This is in addition to any rights/protections through/for the XXXX, US, XXXX, FTC, UCC, XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXX as well as all civil, local, city , county, state, federal, tribal, International, and all other rights and protections for military, veterans, disabled, minorities, et al. For any and all perpetrators/violators/conspirators and those who gain and/or expect to gain from their lawlessness, there is a mandatory, irreversible/irrevocable violation fee/charge assessed. A XXXX XXXX dollar fee against each individual and a XXXX XXXX dollar fee against each business/company/et al for each violation. ALL parties who are at least partially involved in committing these attacks/unlawful acts are fully liable and are held fully responsible and accountable. Violation fees are assessed in addition to local, city, state, federal, court, attorneys, legal and other charges/fines/fees. Any and all agreements, contracts, settlements, and the like, and all other arrangements are hereby null and void when made under threat, duress or coercion. \n\n\nPLEASE NOTE : Though the CFPB may prematurely close this complaint and consider the issue resolved, the matter is NOT resolved and is still Open/Pending/Unresolved/Unsettled until all perpetrators have been held accountable and all my request have been satisfied. The bank/mortgage co may also provide a extensive list/timeline of events covering several years to decades, however said list/timeline will NOT include anything of importance with regards to the complaint and primary issues at hand. Then again, they have advised numerous times that they do NOT have to follow any rules, laws, regulations, codes, etc and are free to do as they wish.\n\nResolution Track and recover all funds. Reverse any and all adverse actions, restore what was/is damaged, which includes but not limited to providing for damages and to fully recover and relocate the surviving team members that they caused to be displaced and correct/restore all respective credit profiles. And provide a complete/full/true copy of all records from all associated parties/entities.\n\nAlso for accessibility purposes and to track the progress of this complaint resolution and related concerns, can your office provide me with contact information on the case manager ( s ) handling my complaint? \n\n\nPoint of Contact USAA - a liable party XXXXXXXX XXXX - a liable party XXXX XXXX - a liable party Veterans Administration - may be helpful due to this being a VA home loan. \n\n\nAttachments XXXX Mortgage Payments Confirmation Letter XXXX XXXX Mortgage Payments Confirmation Notice XXXX XXXX Email to USAA Inquiring about XXXX XXXX Email to USAA Inquiring about Loan Mod Correction XXXX Extortion/Blackmail e-mail sent to me. Again, this is just one of many. \n\n\nI would have added or attached more evidence, however, due to time constraints and security concerns of other witnesses/survivors I am unable to provide at this time. More evidence may be provided upon request.","date_sent_to_company":"2023-07-10T17:44:52.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"75104","tags":"Servicemember","has_narrative":true,"complaint_id":"7230445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-07-10T17:21:15.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["These criminals <em>claim</em> and have shown that they can manipulate, control, access, hack, influence most people, offices and systems. \n\nI did not serve my country and provide a service to other countries only to be attacked by my own people in my own land. \n\nUnfortunately, due to their unchecked privacy/security <em>breaching</em>/violating methods/technologies they may receive my complaint against them before it makes it to your office. I would not be surprised for it would not be the first time."]},"sort":[5.70676,"7230445"]},{"_index":"complaint-public-v1","_id":"9050300","_score":5.6647487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB, XXXX : The person ( XXXX ) REGIONAL ACCEPTANCE CORPORATION, TRUIST, and partnered affiliates and nonaffiliates have put my nonpublic personal information and security principal in jeopardy. \n\n: I, the consumer, have been involved in unfair deceptive acts and practices by the creditor and the seller of my consumer credit contract. The contract and business arrangement between the creditor and seller have underwriting amendments that have put my data, privacy, security principal, ssn, name, address, phone, email and nonpublic personal information at jeopardy of data breaches, identity theft, and numerous criminal interests. \n\nMy data shared with third party affiliates and nonaffiliates has been transferred on multiple occasions, and transferred with inaccuracies. A person must not furnish any information relating to my nonpublic personal information to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\nIt is the duty of furnishers of information to provide accurate information and responsibilities of furnishers of information to report accurately to consumer reporting agencies. Any multiple names, address, phone, email must be accurate and must display XXXX of each nonpublic personal information item and any privacy policy that I, the consumer, consent to by my own draft. \n\n[ 40 FR 53506 ] [ 16 CFR 433.1 ] - [ Definitions ; ( a ) Person. An individual, corporation, or any other business organization.\n\n( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. \n\n( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. \n\n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.\n\n( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. ] [ 40 FR 53506 ] [ 16 CFR 433.2 ] - [ Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : { NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. } ] [ Pub. L. 90321, title VI, 605, as added Pub. L. 91508, title VI, 601 ] [ TITLE I -FINANCIAL RECORDKEEPING ] [ SEC . 21. ( a ) ( 1 ) The Congress finds that adequate records maintained by insured banks have a high degree of usefulness in criminal, tax, and regulatory investigations and proceedings. The Congress further finds that microfilm or other reproductions and other records made by banks of checks, as well as records kept by banks of the identity of persons maintaining or authorized to act with respect to accounts therein, have been of particular value in this respect. ] [ 15 U.S. Code 1681c ] - [ Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports ; Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\nAny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ] [ 15 U.S. Code 1681s-2 ] - [ Responsibilities of furnishers of information to consumer reporting agencies ; ( a ) Duty of furnishers of information to provide accurate information ; 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. ] [ PUBLIC LAW 106102NOV. 12, 1999 ] [ SEC. 501. PROTECTION OF NONPUBLIC PERSONAL INFORMATION. ] [ ( a ) PRIVACY OBLIGATION POLICY.It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) FINANCIAL INSTITUTIONS SAFEGUARDS.In furtherance of the policy in subsection ( a ), each agency or authority described in section 505 ( a ) shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. ] [ SEC. 502. OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ] [ ( a ) NOTICE REQUIREMENTS.Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503.\n\n( b ) OPT OUT.\n\n( 1 ) IN GENERAL.A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) EXCEPTION.This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 504, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) LIMITS ON REUSE OF INFORMATION.Except as otherwise provided in this subtitle, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES..A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) GENERAL EXCEPTIONS.Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978, to law enforcement agencies ( including a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, United States Code, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act, or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit ; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ] [ SEC. 504. RULEMAKING. ] ( a ) REGULATORY AUTHORITY.\n\n( 1 ) RULEMAKING.The Federal banking agencies, the National Credit Union Administration, the Secretary of the Treasury, the Securities and Exchange Commission, and the Federal Trade Commission shall each prescribe, after consultation as appropriate with representatives of State insurance authorities designated by the National Association of Insurance Commissioners, such regulations as may be necessary to carry out the purposes of this subtitle with respect to the financial institutions subject to their jurisdiction under section 505.\n\n( 2 ) COORDINATION, CONSISTENCY, AND COMPARABILITY. Each of the agencies and authorities required under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and authorities for the purposes of assuring, to the extent possible, that the regulations prescribed by each such agency and authority are consistent and comparable with the regulations prescribed by the other such agencies and authorities.\n\n( 3 ) PROCEDURES AND DEADLINE.Such regulations shall be prescribed in accordance with applicable requirements of title 5, United States Code, and shall be issued in final form not later than 6 months after the date of the enactment of this Act.\n\n( b ) AUTHORITY TO GRANT EXCEPTIONS.The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 502 as are deemed consistent with the purposes of this subtitle.\n\n[ SEC. 505. ENFORCEMENT. ] [ ( a ) IN GENERAL.This subtitle and the regulations prescribed thereunder shall be enforced by the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 8 of the Federal Deposit Insurance Act, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ), by the Office of the Comptroller of the Currency ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act, and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ), by the Board of Governors of the Federal Reserve System ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ), by the Board of Directors of the Federal Deposit Insurance Corporation ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ), by the Director of the Office of Thrift Supervision.\n\n( 2 ) Under the Federal Credit Union Act, by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934, by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940, by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940, by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 104 of this Act.\n\n( 7 ) Under the Federal Trade Commission Act, by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ] [ SEC. 508. STUDY OF INFORMATION SHARING AMONG FINANCIAL AFFILIATES. ] [ ( a ) IN GENERAL.The Secretary of the Treasury, in conjunction with the Federal functional regulators and the Federal Trade Commission, shall conduct a study of information sharing practices among financial institutions and their affiliates. Such study shall include ( 1 ) the purposes for the sharing of confidential customer information with affiliates or with nonaffiliated third parties ; ( 2 ) the extent and adequacy of security protections for such information ; ( 3 ) the potential risks for customer privacy of such sharing of information ; ( 4 ) the potential benefits for financial institutions and affiliates of such sharing of information ; ( 5 ) the potential benefits for customers of such sharing of information ; ( 6 ) the adequacy of existing laws to protect customer privacy ; ( 7 ) the adequacy of financial institution privacy policy and privacy rights disclosure under existing law ; ( 8 ) the feasibility of different approaches, including opt-out and opt-in, to permit customers to direct that confidential information not be shared with affiliates and nonaffiliated third parties ; and ( 9 ) the feasibility of restricting sharing of information for specific uses or of permitting customers to direct the uses for which information may be shared. ] [ 15 U.S.C. 6809 ] [ SEC. 509. DEFINITIONS. ] [ As used in this subtitle : ( 1 ) FEDERAL BANKING AGENCY.The term Federal banking agency has the same meaning as given in section 3 of the Federal Deposit Insurance Act.\n\n( 2 ) FEDERAL FUNCTIONAL REGULATOR.The term Federal functional regulator means ( A ) the Board of Governors of the Federal Reserve System ; ( B ) the Office of the Comptroller of the Currency ; ( C ) the Board of Directors of the Federal Deposit Insurance Corporation ; ( D ) the Director of the Office of Thrift Supervision ; ( E ) the National Credit Union Administration Board ; and ( F ) the Securities and Exchange Commission.\n\n( 3 ) FINANCIAL INSTITUTION.\n\n( A ) IN GENERAL.The term financial institution means any institution the business of which is engaging in financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956.\n\n( B ) PERSONS SUBJECT TO CFTC REGULATION.Notwithstanding subparagraph ( A ), the term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act.\n\n( C ) FARM CREDIT INSTITUTIONS.Notwithstanding subparagraph ( A ), the term financial institution does not include the Federal Agricultural Mortgage Corporation or any entity chartered and operating under the Farm Credit Act of 1971.\n\n( D ) OTHER SECONDARY MARKET INSTITUTIONS.Notwithstanding subparagraph ( A ), the term financial institution does not include institutions chartered by Congress specifically to engage in transactions described in section 502 ( e ) ( 1 ) ( C ), as long as such institutions do not sell or transfer nonpublic personal information to a nonaffiliated third party.\n\n( 4 ) NONPUBLIC PERSONAL INFORMATION.\n\n( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.\n\n( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 504.\n\n( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.\n\n( 5 ) NONAFFILIATED THIRD PARTY.The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.\n\n( 6 ) AFFILIATE.The term affiliate means any company that controls, is controlled by, or is under common control with another company.\n\n( 7 ) NECESSARY TO EFFECT, ADMINISTER, OR ENFORCE.The term as necessary to effect, administer, or enforce the transaction means ( A ) the disclosure is required, or is a usual, appropriate, or acceptable method, to carry out the transaction or the product or service business of which the transaction is a part, and record or service or maintain the consumers account in the ordinary course of providing the financial service or financial product, or to administer or service benefits or claims relating to the transaction or the product or service business of which it is a part, and includes ( i ) providing the consumer or the consumers agent or broker with a confirmation, statement, or other record of the transaction, or information on the status or value of the financial service or financial product ; and ( ii ) the accrual or recognition of incentives or bonuses associated with the transaction that are provided by the financial institution or any other party ; ( B ) the disclosure is required, or is one of the lawful or appropriate methods, to enforce the rights of the financial institution or of other persons engaged in carrying out the financial transaction, or providing the product or service; ( C ) the disclosure is required, or is a usual, appropriate, or acceptable method, for insurance underwriting at the consumers request or for reinsurance purposes, or for any of the following purposes as they relate to a consumers insurance : Account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing premium payments, processing insurance claims, administering insurance benefits ( including utilization review activities ), participating in research projects, or as otherwise required or specifically permitted by Federal or State law ; or ( D ) the disclosure is required, or is a usual, appropriate or acceptable method, in connection with ( i ) the authorization, settlement, billing, processing, clearing, transferring, reconciling, or collection of amounts charged, debited, or otherwise paid using a debit, credit or other payment card, check, or account number, or by other payment means ; ( ii ) the transfer of receivables, accounts or interests therein ; or ( iii ) the audit of debit, credit or other payment information.\n\n( 8 ) STATE INSURANCE AUTHORITY.The term State insurance authority means, in the case of any person engaged in providing insurance, the State insurance authority of the State in which the person is domiciled.\n\n( 9 ) CONSUMER.The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual.\n\n( 10 ) JOINT AGREEMENT.The term joint agreement means a formal written contract pursuant to which two or more financial institutions jointly offer, endorse, or sponsor a financial product or service, and as may be further defined in the regulations prescribed under section 504.\n\n( 11 ) CUSTOMER RELATIONSHIP.The term time of establishing a customer relationship shall be defined by the regulations prescribed under section 504, and shall, in the case of a financial institution engaged in extending credit directly to consumers to finance purchases of goods or services, mean the time of establishing the credit relationship with the consumer. ] [ 15 USC 6827 ] [ For purposes of this subtitle, the following definitions shall apply : ( 1 ) CUSTOMER.The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary.\n\n( 2 ) CUSTOMER INFORMATION OF A FINANCIAL INSTITUTION. The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer.\n\n( 3 ) DOCUMENT.The term document means any information in any form.\n\n( 4 ) FINANCIAL INSTITUTION.\n\n( A ) IN GENERAL.The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution.\n\n( B ) CERTAIN FINANCIAL INSTITUTIONS SPECIFICALLY INCLUDED.The term financial institution includes any depository institution ( as defined in section 19 ( b ) ( 1 ) ( A ) of the Federal Reserve Act ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 603 ( p ) of the Consumer Credit Protection Act ).\n\n( C ) SECURITIES INSTITUTIONS.For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 3 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78c ) ; ( ii ) the term investment adviser has the same meaning as given in section 202 ( a ) ( 11 ) of the Investment Advisers Act of 1940 ( 15 U.S.C. 80b2 ( a ) ) ; and ( iii ) the term investment company has the same meaning as given in section 3 of the Investment Company Act of 1940 ( 15 U.S.C. 80a3 ). ] No claims of the listed companies software systems being unable to correctly display and report accurate punctuations in my name, address, email, and no claims of these companies software systems auto-correcting any deviation of my accurate nonpublic personal information into duplicate inaccurate reporting and bookkeeping is revoked and prohibited. Accounts placed for collection or charged to profit and loss and any other adverse items of information with actual knowledge of errors is prohibited.\n\nPer [ 16 CFR 433.2 ( b ) ], as the holder of the contract, I invoke my consumer right to protect my nonpublic personal information and the accuracy of furnishing persons reporting to consumer reporting agencies of any and all my account ( s ).\n\nSalutations, Consumer-Principal-Attorney-In-Fact","date_sent_to_company":"2024-05-20T17:03:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9050300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-05-20T16:03:43.000Z","state":"NC","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":["The contract and business arrangement between the creditor and seller have underwriting amendments that have put my <em>data</em>, privacy, security principal, ssn, name, address, phone, email and nonpublic personal information at jeopardy of <em>data</em> <em>breaches</em>, identity theft, and numerous criminal interests. \n\nMy <em>data</em> shared with third party affiliates and nonaffiliates has been transferred on multiple occasions, and transferred with inaccuracies."]},"sort":[5.6647487,"9050300"]},{"_index":"complaint-public-v1","_id":"8343459","_score":4.7804766,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXX XXXX  XXXX XXXX & USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXX OF XXXX XXXX on XXXX XXXX 2023 . I allegedly entered into a contract agreement with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XXXX XXXX  2023, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Receivables Trust 2023-B, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX XXXX  XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXX XXXX  XXXX, as seller, and the XXXX XXXX  Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX XXXX  XXXX XXXX F & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX  XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXX XXXX. \nChoice 1 ) : XXXX ; Choice 2 ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXXXXXX ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. \n\n\nFHFA/DOJ COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:50:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the <em>administration</em> of the consumers and proper <em>administration</em> and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXXXXXX ] for the matter of my estate."]},"sort":[4.7804766,"8343459"]},{"_index":"complaint-public-v1","_id":"8269867","_score":4.0962057,"_source":{"product":"Debt collection","complaint_what_happened":"NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail 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  USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA 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 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 USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & USAA and All others, XXXX, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment.\n\nI. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX. broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Does 5-100 Inclusive and USAA engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX XXXX XXXXt 2023-B.\n\nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the XXXX XXXX XXXX XXXX XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the XXXX XXXX XXXX  consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX XXXX XXXX  primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement.\n\nFurthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act.\n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) XXXX XXXX \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement.\n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : XXXX XXXX XXXX \n\nMoreover, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX  and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXXXXXX XXXX XXXX XXXX \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XXXX XXXXXX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts.\n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). \n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. \nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX ] for the matter of my estate. \nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. \nFailure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX XXXX  [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as commonly called via email or U.S.P.S Mail. \nAll calls may be rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Financial Instruments XXXX Final XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUSAA Fraudulent Financial Statements","date_sent_to_company":"2024-02-02T13:34:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8269867","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-02T13:15:28.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the <em>administration</em> of the consumers and proper <em>administration</em> and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX ] for the matter of my estate."]},"sort":[4.0962057,"8269867"]},{"_index":"complaint-public-v1","_id":"8343534","_score":4.090123,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind XXXX. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial XXXX institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( XXXX ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( XXXX ), The Securities XXXX XXXX ( SEA ) of XXXX and XXXX, the Foreign Corrupt Practices Act ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Indenture Trustee Act ( XXXX ), the Consumer Financial Protection Act ( XXXX ), the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, XXXX XXXX XXXX, XXXX ABS Funding, XXXX XXXX XXXX, XXXX XXXX Receivables XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inclusive and USAA engaged in a XXXX whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust XXXX. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( XXXX ) between XXXX of XXXX, as seller, and the XXXX Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the XXXX is attached XXXX, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not XXXX special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX OF XXXX XXXX XXXX XXXX I Business XXXX, General XXXX, and Sales XXXX stated that an illegal and unlawful down payment of {$2800.00} was required XXXX XXXX off the car lot. However, the information provided was false and deceptive, violating XXXX CFR XXXX : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, XXXX XXXX XXXX XXXX consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities XXXX XXXX of XXXX and Sections XXXX, XXXX, and XXXX of The Securities XXXX of XXXX provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection XXXX ( b ) of the XXXX XXXX XXXX prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, XXXX XXXX ; XXXX XXXX prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule XXXX can be enforced by the SEC in XXXX and civil penalty actions, brought pursuant to XXXX ( d ) of XXXX XXXX Act, and by the Justice Department in actions pursuant to XXXX ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection XXXX ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \nXXXX. Persons Liable If a registration statement is false or misleading, XXXX ( a ) makes liable : a. the issuer; b. the directors of the issuer ; XXXX persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA , I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to XXXX XXXX committed by the parties as evidenced by XXXX XXXX XXXX. Transfer the securities to my Treasury XXXX Account ( XXXX ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( XXXX ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. \n\nXXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( XXXX ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( XXXX ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus XXXX placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury XXXX XXXX XXXX XXXX XXXX as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" XXXX '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge.\n\nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX \nChoice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the XXXX Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form XXXX ( e.g., Part I, Part XXXX, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form XXXX is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). \n\nPer the XXXX XXXX XXXX, no Assignment was made as required by the XXXX. XXXX recommends immediate pro-duction of document and review of all purchase documents and then notarized XXXX endorsements among all relevant parties. \n\nPlease note that the XXXX XXXX XXXX XXXX XXXX XXXX Fiduciary Relationship ; Form XXXX of Cash Payments Over {$10000.00}, XXXX XXXX of XXXX XXXX, FOIA for IRS XXXX will XXXX XXXX and XXXX XXXX XXXX Treasury Department along with Form XXXX Department of XXXX XXXX Revenue Service Information Referral, Form op XXXX, and XXXX XXXX XXXX for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. \n\nLastly, be advised this notice, along with affidavit ( XXXX ), will be given to the XXXX and XXXX XXXX of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX XXXX  for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z XXXX C.F.R. XXXX, XXXX of XXXX, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait XXXX business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the XXXX XXXX XXXX, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( XXXX ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXX UCC XXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX XXXX Name ] : [ XXXX ] the [ Family Name ] : XXXX, as XXXX called via email or U.S.P.S Mail. \n\n\nXXXX COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:21:31.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Lastly, be advised this notice, along with affidavit ( XXXX ), will be given to the XXXX and XXXX XXXX of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the <em>administration</em> of the consumers and proper <em>administration</em> and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX XXXX  for the matter of my estate."]},"sort":[4.090123,"8343534"]},{"_index":"complaint-public-v1","_id":"8290130","_score":3.7721767,"_source":{"product":"Checking or savings account","complaint_what_happened":"A Registered letter and email were sent to the following executives on Wednesday, XX/XX/XXXX. \n\nNOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. \nC/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ) XXXX [ XXXX ] XXXX XXXX XXXX XXXX of XXXX XXXX. \nC/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( U.S. state ) [ XXXX ] XXXX XXXX XXXX XXXX Bank C/O CEO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX , ( U.S. state ) XXXX XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Attention : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and XXXX XXXX XXXX , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) 1 that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX and its affiliate ( s ) /partner ( XXXX ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, Hyundai Capital America, Hyundai ABS Funding, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXXXXXX XXXX XXXXXXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX  XXXX, as seller, and the Hyundai Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \n\nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXXXXXX XXXX XXXX  's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition.\n\n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX.\n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property.\n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me.\n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXXXXXX XXXX XXXX XXXX and XXXX release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXXXXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX \nChoice 1 ) : XXXX ; Choice XXXX ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with Hyundai, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. XXXXxaminer recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties.\n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number xxx-xx [ 8616 ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail.\n\nAll calls may be recorded. \n\nAttachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX XXXX Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE 9/8/2023 4. EXHIBIT D-USAA Fraudulent Financial Statements Complaints were initiated to the SEC, IRS, SS, and OCC regarding this criminal matter.","date_sent_to_company":"2024-02-23T19:07:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8290130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-06T14:05:41.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the <em>administration</em> of the consumers and proper <em>administration</em> and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number xxx-xx [ 8616 ] for the matter of my estate."]},"sort":[3.7721767,"8290130"]},{"_index":"complaint-public-v1","_id":"6767596","_score":3.7588472,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AS OF XX/XX/XXXX spoke with XXXX XXXX XXXX at XXXX Special handling at fraud department XXXX XXXX at EXPERIAN I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud and thier dad ta breaches with my personal and sensitive information AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a state. NEW YORK Attorney Generals COMPLAINT ALSO A FTC IDENTITY THEFT AVIDAVIT AND A SWORN AVIDAVIT OF TRUTH AND ALSO XXXX complaint a NEW YORK consumer complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 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 consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 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 S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. FRAUDULENT ACCOUNTS ) XXXX XXXXXXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX To : Whom it may concern at EXPERIAN XXXX You are in violation of the Fair Credit Reporting Act ( \" FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my EXPERIAN consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. \" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. XXXX. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( 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 This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Experian about the issue and accounts FRAUDULENT ACCOUNTS ) XXXX  XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies EXPERIAN/ XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FRAUDULENT ACCOUNTS ) XXXX XXXXXXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY, XXXX consumer report as requested will result in legal matters being taken and me turning you ( EXPERIAN/XXXX/ FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( EXPERIAN/XXXX EXPERIAN/XXXX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EXPERIAN furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by EXPERIAN/XXXX/ ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed FRAUDULENT ACCOUNTS ) XXXX XXXXXXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by EXPERIAN including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX5 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. EXPERIAN/FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( XXXX ) XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect 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 Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d\n711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ),","date_sent_to_company":"2023-04-02T06:50:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11237","tags":null,"has_narrative":true,"complaint_id":"6767596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-02T06:24:45.000Z","state":"NY","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":["You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil <em>claims</em> may be pursued 15 U.S."]},"sort":[3.7588472,"6767596"]},{"_index":"complaint-public-v1","_id":"8269812","_score":3.484067,"_source":{"product":"Debt collection","complaint_what_happened":"NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail XXXX Day of XXXX XXXX XXXXXXXX XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nC/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX ) XXXX [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. \nC/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ) [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX XXXX ) XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York [ XXXX ] Attention : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXX XXXX  XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( XXXX XXXX ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX , and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. \n\nI have reason to believe that XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , XXXX , and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nI. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , and its affiliate ( s ) /partner ( s ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as XXXX  ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the XXXX XXXX XXXX XXXX  ( XXXX  ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, Hyundai Capital America, Hyundai XXXX XXXX, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX  engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust XXXX-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the Hyundai Auto Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B.\n\nXXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ).\n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement.\n\nFurthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.\n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act.\n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition.\n\n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America , XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( XXXX ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nXXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any nonXXXX XXXX XXXX  central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me.\n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX OF XXXX XXXX and XXXX release my XXXX  NUMBER IMMEDIATELY. Albeit the XXXX  number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at XXXX C.F.R. Part XXXX. Under the terms of the XXXX, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nXXXX not impose any limitation on the duration of any implied warranty on the product. \nXXXX not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor XXXX require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission XXXX as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within XXXX business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX XXXX between the hours of XXXX XXXX XXXX. \nChoice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. \n\nXXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \nI make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties.\n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX  [ XXXX ] for the matter of my estate. \nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations.\n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.\n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. \nFailure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXXXXXX XXXX XXXXXXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person , [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail.\n\nAll calls may be recorded.\n\nAttachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX  Financial Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE XX/XX/XXXX XXXX. EXHIBIT D-XXXX  Fraudulent Financial Statements","date_sent_to_company":"2024-02-08T21:25:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8269812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-02T13:34:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Lastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX 4 for the state of Georgia for the <em>administration</em> of the consumers and proper <em>administration</em> and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX  [ XXXX ] for the matter of my estate."]},"sort":[3.484067,"8269812"]},{"_index":"complaint-public-v1","_id":"11161617","_score":3.4037104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I recently visited myFICO.com and was astounded to find a fraudulent account being reported by several entities, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and EQUIFAX. This fraudulent account is accompanied by numerous fraudulent inquiries and false information. \n\nIn response to this alarming discovery, Ive made numerous attempts to contact these entities to discuss and resolve the matter. However, Im deeply disappointed to see that the fraudulent account persists on myFICO.com, and the entities involved continue to report it and spread misinformation.\n\nIve repeatedly contacted these entities to address this issue and discourage the spread of fraudulent information and negative accounts. These accounts are a direct result of identity theft and multiple data breaches committed by XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and EQUIFAX. \n\nThe devastating impact of identity theft on my credit has made rebuilding my life an arduous task. During this challenging period, Ive thoroughly studied the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), uncovering numerous violations committed by entities such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. \n\nI formally requested immediate action from the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Texas State Attorney General, and the XXXX XXXX XXXX XXXX XXXX  ) to address fraudulent issues perpetrated by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX. This constitutes my final warning and a cease and desist order. \n\nAlthough I am not a credit repair company or consultant, I am well-informed about the applicable laws and have sworn statements, affidavits of truth, and notarized Federal Trade Commission complaints as evidence in my SOLIDIFYING MY STATEMENTS case. I have identified several violations. \n\n- 15 USC 1692c ( b ) - 15 U.S. code 1681s-2 - 15 U.S. code 1681a ( 2 ) ( 1 ) - 15 U.S. code 1681 ( 3 ) ( e ) - 15 U.S. code 16811 - Procedure in case of disputed accuracy - 15 U.S. code 1681b - Permissible purposes of consumer report - H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007 - Section 326 of the XXXX XXXX XXXX - Gramm- leach-Bliley Act - 15 USC 1681B c-2 Furthermore, Im requesting that all information obtained through identity theft be completely blocked. This action constitutes a formal cease and desist from the fraudulent account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Account Number : XXXX XXXX XXXX XXXXXXXX, Opening Date : XX/XX/XXXX, Account Status : Closed, Past Due Amount : {$160.00} as of XX/XX/XXXX, Credit Usage Percentage : 163 %, Current Balance : {$8100.00} ). \n- **Last Balance Update : ** XX/XX/XXXX **Recent Inquiries : ** - XXXX XXXX : Inquired on XX/XX/XXXX - XXXX : Inquired on XX/XX/XXXX - XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX - XXXX XXXX : Inquired XXXX XX/XX/XXXX - XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX - XXXX XXXX  : Inquired on XX/XX/XXXX, requesting an accounting report under 15 US Code 1605 ( a ). However, exceptions apply as per 15 US Code 1681a ( 2 ) ( I ).\n\nThe term consumer report doesnt encompass reports solely containing transaction or experience information between the consumer and the reporter, unless the reporter is subject to sections ( 1681s3 ) of this title.. \n\nI specifically denied authorization to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax to obtain my personal identifying information through aggravated identity theft. The consumer credit contract alone isnt sufficient to validate the debt. Validation requires presenting the account and a signed and dated general ledger statement from the account holder. \n\nReferences : - 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 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 Request for accounting XXXX XXXX XXXX XXXX Consumer Report clearly violates Metro2 compliance. Please provide the Metro2 compliance disclosure on reporting transactions to a consumer report. \n\nI understand that my Social Security Number ( SSN ) is registered with the Social Security Administration ( SSA ), and any purchases made using it are obligatory under 18 U.S.C. 8. However, XXXX, XXXX EQUIFAX, and XXXX XXXX continue to report fraudulent accounts, which constitutes a violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. Additionally, you are violating 18 U.S.C. 894 for using my consumer report in an extortionate manner to coerce me into paying for alleged debt that I do not owe. \n\nI am not consenting to these companies sharing my personal information with my consumer report. I did not authorize or permit you to obtain my personal identifying information through aggravated identity theft ( 18 U.S.C. 1028A ). This notice serves as a cease and desist order for any illegal activities, including reporting and collection. It also informs me of my rights to prevent XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX, and XXXX XXXXXXXX XXXX XXXXXXXX from processing my personal data. \n\nUnder 18 U.S.C. 1028A, aggravated identity theft requires more than just a copy of my consumer credit contract to validate a debt. Presenting the account and a signed and dated general ledger statement from the accounts responsible party is essential. Several court cases support this requirement, including 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 Request for XXXX XXXX. ( F.R.E. ) XXXX, and 15 USC 1681 ( a ) ( 4 ) prohibit late payments if a finance charge is included. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates verification of original signed consumer contracts for all accounts listed on credit reports to prevent fraudulent accounts. Therefore, I demand verifiable proof, such as an original signed consumer contract with my signature, from the account listed below. Failure to provide this verification will negatively impact my creditworthiness.\n\nFCRA : FCRA : Delete unverified accounts. If you cant provide proof, delete the listed accounts. Block these transactions from your consumer report in four days. Reporting excluded info violates Metro2 compliance. Provide the compliance disclosure when reporting transactions. Title 1.81.5 of the California Consumer Privacy Act applies. Consumers can request inaccurate info corrections. Businesses must disclose this right and use reasonable efforts to correct it. \n\nConsumers can opt-out of the sale or sharing of their personal information, as per Section 1798.130 and regulations. Businesses must notify consumers that this info may be sold or shared and provide an opt-out option. ( Added XX/XX/XXXX, by XXXX XXXX, Sec. XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. XXXX of XXXX XXXX. ) XXXX. \nConsumers can opt out of the sale or sharing of their personal information at any time. Businesses must provide notice to consumers, as per Section 1798.135, that this information may be sold or shared and that consumers have the right to opt out. ( Added XX/XX/XXXX, by XXXX XXXX, Sec. XXXX. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. XXXX of XXXX XXXX. ) XXXX. \n\nI look forward to your response. \n\n15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to consumers is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A.\n\n( b ) States that I have the right to privacy. 15 U.S. C 1681 section 604 A.\n\nSection 2 states that a consumer who reported to an agency cant provide an account without my written permission. 15 U.S.C 1692c Without the consumers direct consent or a courts permission, a debt collector cant contact a consumer about debt collection. competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.\n\nWithout limiting the general application of the foregoing, the following conduct constitutes a violation. A debt collector may not employ any false, deceptive, or misleading representations or means in the collection of any debt. 15 USC 1681 ( a ) ( 4 ) It is essential to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers privacy rights. Therefore, I demand the deletion of all personal identifiable information from my consumer credit report, except for the following : 1. My full legal name : First and Last Name 2. My address : Address, City, State Zip Code Please delete all other addresses. I can not receive mail or correspondence at these outdated addresses, and I lack access to them. Therefore, please delete these outdated addresses and update the address with the one provided above. \n\nAdditionally, I request the deletion of all other phone numbers. \n\nFurthermore, I demand that my Social Security Number and Date of Birth be removed from the credit file for privacy reasons. \n\nI also request the deletion of all information in the Employer section. \n\n**NOTICE TO AGENT IS NOTICE TO PRINCIPAL** As a federally protected consumer under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I have the right to privacy. Denying me these rights constitutes a direct violation of 15 USC S1681 and all its subsections.\n\nFurthermore, I demand that you cease all unauthorized inquiries to my consumer report. Additionally, I request a {$1000.00} settlement for the inconvenience caused.\n\nThese are the associated accounts. Your actions violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). \n\n**NOTICE TO AGENT IS NOTICE TO PRINCIPAL**. \n\nXXXX XXXXXXXX XXXX XXXX XXXXXXXX **Date Opened : ** XX/XX/XXXX **Status : ** Closed **Past Due Amount : ** {$160.00} as of XX/XX/XXXX XXXXCredit Usage : ** 163 % **Balance : ** {$8100.00} **Balance Updated : ** XX/XX/XXXX **Inquiries : ** - XXXX XXXX : Inquired on XX/XX/XXXX - XXXX : Inquired on XX/XX/XXXX - XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX  : Inquired on XX/XX/XXXX **Important Information Regarding the Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purposes : ** Under the FCRA, a person may not use or obtain a consumer report for any purpose unless : 1. The consumer report is obtained for a purpose authorized under this section.\n\n2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ).\n\n15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ) Additionally, this serves as a cease and desist notice against any fraudulent accounts being reported, and any reporting is considered collection activities.\n\n**Important Note : ** This notice is not directed to the agent but to the principal.\n\n**Important Note : ** This notice is not directed to the agent but to the principal. \n\n( XXXX XXXX XXXX XXXX and Equifax ) Im writing to inform you that I didnt authorize or grant you permission to obtain my personal identifying information through aggravated identity theft, as per 18 U.S.C 1028A. This is a formal cease and desist notice for all illegal activities, including reporting, which constitutes collection activities.\n\nFurthermore, Im exercising my rights under 15 U.S.C 1681 section 602 A to prevent the processing of my personal data, which affirms my right to privacy. Additionally, section 604 A of 15 U.S.C prohibits a consumer reporting agency from disclosing my account information without my written consent. Lastly, under 15 U.S.C 1692c, a debt collector may not communicate with me about debt collection without my prior consent or the explicit permission of a competent court. Debt collectors are also prohibited from using unfair or unconscionable methods to collect or attempt to collect any debt.\n\nSpecifically, the following actions constitute violations of these laws : - Using false, deceptive, or misleading representations or means in connection with debt collection.\n\n- Disclosing nonpublic personal information to a third party without providing a notice that complies with section 6803 of this title.\n\nPlease note that this notice doesnt waive my rights, and I retain the right to take further action if necessary. The financial institution clearly and conspicuously discloses to consumers, in writing, electronically, or through any other permitted form under section 6804 of this title, that such information may be disclosed to a third party. Additionally, consumers are given the opportunity before the initial disclosure to direct that the information not be disclosed to the third party. Furthermore, consumers are provided with an explanation of how to exercise this nondisclosure option.\n\n**Notice to Agent : ** This is a formal notice to the agent of the principal.\n\n**Notice to Principal : ** This is a formal notice to the principal.\n\n**Notice to Agent : ** This is a formal notice to the agent of the principal. \n\n**XXXX/Equifax/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.Code 1601 : ** Congressional findings and declaration of purpose ( a ) Informed credit usage : The Congress recognizes that promoting informed credit usage can enhance economic stability and strengthen competition among financial institutions and other firms extending consumer credit. This is achieved by increasing consumers awareness of the costs associated with credit. This subchapter aims to ensure transparent disclosure of credit terms, facilitating easy comparison of various terms and preventing uninformed credit decisions. Additionally, it seeks to safeguard consumers from inaccurate and unfair credit billing and credit card practices. \n\n**Account Details : ** **Account Number : ** XXXX **Opening Date : ** XX/XX/XXXX **Account Status : ** Closed **Past Due Amount : ** {$160.00} as of XX/XX/XXXX **Credit Usage Percentage : ** 163 % **Current Balance : ** {$8100.00} **Last Balance Update : ** XX/XX/XXXX **Recent Inquiries : ** - XXXX XXXX : Inquiry on XX/XX/XXXX - XXXX  : Inquiry on XX/XX/XXXX - XXXX XXXX XXXX : Inquiry on XX/XX/XXXX - XXXX XXXX XXXX Inquiry on XX/XX/XXXX - XXXX  XXXX XXXX : Inquiry on XX/XX/XXXX - XXXX XXXX  : Inquiry on XX/XX/XXXX. \n\nI am writing to bring to your attention a recurring issue with fraudulent accounts on my consumer reports that I never authorized. This has been repeatedly reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX, XXXX, and Equifax. \n\nI have never provided any verbal or written consent to report any information on my consumer report. Therefore, any consent does not constitute identity theft. I have attached a copy of the relevant law for your reference. \n\nFurthermore, you have no legitimate purpose to disclose my personal information to any third party. \n\nAccording to 15 USC 1681b ( Permissible purpose ) of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and only those : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nAs a consumer, I am demanding the deletion of all associated accounts in this complaint. Any use or obtaining of a consumer report for any purpose is prohibited unless : 1. The consumer report is obtained for a purpose authorized under this section.\n\n2. The purpose is certified in accordance with section 1681b ( f ). \n\nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). XXXX XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions initiated by the consumer. \n\nInformation regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not disclose to any person a record of inquiries in connection with a credit or insurance transaction initiated by the consumer.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation is mandatory ( A ) in general, subject to subsection ( f ) and excluding as provided in subsection ( g ), if the completeness or accuracy of any piece of information in a consumers file at a consumer reporting agency is questioned by the consumer and the consumer directly notifies the agency. \n\nIndirectly through a reseller, the agency will conduct a free reinvestigation to verify the disputed information. Before the 30-day period begins from the date the agency receives the dispute notice from the consumer or reseller, they will record the current status of the disputed information or delete the item from the file, as per paragraph ( 5 ).\n\n15USC 1681a ( 2 ) ( I ) Exclusions.Except as specified in paragraph ( 3 ), the term consumer report doesnt include ( A ) any report, subject to section ( 1681s3 ) of this title, that solely focuses on transactions or experiences between the consumer and the person making the report.\n\n15USC 1681a ( 2 ) ( I ) Exclusions.Except as specified in paragraph ( 3 ), the term consumer report doesnt include ( A ) any report, subject to section ( 1681s3 ) of this title, that solely contains information about transactions or experiences between the consumer and the person making the report.\n\nAn investigative consumer report is a consumer report or part thereof that includes information about a consumers character, general reputation, personal characteristics, or lifestyle, obtained through personal interviews with neighbors, friends, or associates of the consumer. However, this information should not include specific factual details about a consumers credit record, which can be directly obtained from a consumers creditor or a consumer reporting agency.\n\nA copy of the consumer credit contract alone is not sufficient to constitute a consumer report.\n\nTo validate the debt, the agency must present the account and a signed and dated general ledger statement from the party responsible for maintaining the account. \n\nFor instance, in the case of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Uniform Commercial Code ( UCC ) XXXX, Request for XXXX, XXXX. ( F.R.E. ) XXXX, states that you are entitled to the original document, which can not be produced because it was destroyed when the Federal Reserve purchased your application for credit. \n\nFurthermore, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX are also involved in multiple violations and egregious acts in their grotesque, mismanagement, and handling of identity-sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) outlines the responsibilities of these entities.\n\nFurnishers of information to consumer reporting agencies, as per 15 U.S. Code 1681a ( 2 ), I am writing to request the immediate removal of all my personal information from your companies systems, as it has been violated by F.R.C.P. ( F.R.E. ) 1002, 15 USC 1681 ( a ) ( 4 ), XXXX XXXX, Equifax, and numerous data breaches. \n\n**Account Details : ** - **Account Number : ** XXXX XXXX XXXX XXXXXXXX - **Opening Date : ** XX/XX/XXXX - **Account Status : ** Closed - **Past Due Amount : ** {$160.00} as of XX/XX/XXXX - **Credit Usage Percentage : ** 163 % - **Current Balance : ** {$8100.00} - **Last Balance Update : ** XX/XX/XXXX **Recent Inquiries : ** - XXXX XXXX : Inquiry on XX/XX/XXXX - XXXX : Inquiry on XX/XX/XXXX - XXXX XXXX XXXX : Inquiry on XX/XX/XXXX - XXXX XXXX XXXX Inquiry on XX/XX/XXXX - XXXX  XXXX XXXX : Inquiry on XX/XX/XXXX - XXXX XXXX  : Inquiry on XX/XX/XXXX. Request for Accounting I kindly request that you take immediate action to rectify this privacy violation and ensure that my personal information is no longer accessible to your companies systems. \n\nAdditionally, I seek monetary compensation for each violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act. My actual damages include XXXX XXXX XXXX XXXX XXXX XXXX humiliation, embarrassment, and anger. These encompass all unpleasant mental reactions, including fright, grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry, and XXXX. \n\nFor reference, please refer to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ; and XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Other categories of damages include loss of credit opportunities. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Plaintiffs XXXX also recover damages for credit defamation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Economic or financial losses are also recoverable. XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). The total compensation per consumer reporting agency is {$10000.00}. \n\nPlease send the compensation to the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and Equifax are blatantly violating numerous U.S. codes and legislation for the following reasons : 1. **15 USC 1692c ( b ) : ** They are engaging in unauthorized communication with third parties regarding my debt.\n\n2. **15 U.S. Code 1681s-2 : ** They are persistently failing to correct and update inaccurate information in my consumer reports.\n\n3. **15 U.S. Code 1681a ( 2 ) ( 1 ) : ** They are persistently misusing or misrepresenting definitions and rules pertaining to consumer reporting.\n\n4. **15 U.S. Code 1681 ( 3 ) ( e ) : ** They are persistently misusing or misrepresenting definitions and rules related to consumer reporting.\n\n5. **15 U.S. Code 1681i : ** They are persistently failing to implement adequate procedures for disputing the accuracy of my consumer reports.\n\n6. **15 U.S. Code 1681b : ** They are persistently unauthorizedly accessing or utilizing my consumer reports for inappropriate purposes. \n7. **H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of XXXX : ** They are persistently violating the law by using or disclosing my Social Security numbers without authorization. \n8. **Section 326 of the XXXX XXXX XXXX : ** They are persistently failing to verify my identification when I provide it to financial institutions. \n9. **Gramm-Leach-Bliley Act, Section 501 : ** They are persistently failing to ensure the security and confidentiality of my personal and financial information.\n\n10. **Gramm-Leach-Bliley Act, Section 502 : ** They are persistently unauthorizedly sharing my non-public personal information with non-affiliated entities.","date_sent_to_company":"2024-12-15T08:32:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"11161617","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-15T08:01:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681a ( 2 ), I am writing to request the immediate removal of all my personal information from your companies systems, as it has been violated by F.R.C.P. ( F.R.E. ) 1002, 15 USC 1681 ( a ) ( 4 ), XXXX XXXX, Equifax, and numerous <em>data</em> <em>breaches</em>."]},"sort":[3.4037104,"11161617"]},{"_index":"complaint-public-v1","_id":"10129613","_score":3.321209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have reached out numerous times to my disbelief and discuss and discouragement with XXXX regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX data breaches as well as XXXX and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by XXXX and XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by XXXX and XXXX, the other perpetrators, XXXX sage stream and invoice data soluttions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accounts ( Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reportINQUIRES ) 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 ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX MEMBERS XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX XXXX XXXX  XXXX XXXX v. 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 ~ Request for accounting F.R.C.P. ( F.R.E. ) The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporti15 USC 1681 ( a ) ( 4 ) Futhermore I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I DID NOT AND DO NOT CONSENT these companies XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX Goldman Sachs Bank U XXXX XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) -/ Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listedYou are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. TITLE 1.81.5. California Consumer Privacy Act of 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ~ Request for accounting XXXX XXXX XXXX ) 1002 15 USC 1681 ( a ) ( 4 ) ( INQUIRES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) 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 consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any andall other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Pursuant to the FAIR CREDIT REPORTING ACT 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 S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. You are in violation of the Fair Credit Reporting Act ( \" FCRA '' ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my \" XXXX '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) 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 XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) The Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. \" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) 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 This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( XXXX XXXX ) /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /XXXX/ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX 15 U.S.Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. accounts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) 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  XX/XX/XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( XXXX ) XXXX ) any verbal or written consent to report anything on my consumer report XXXX No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect 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 Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d\\n711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) 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 XX/XX/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 Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) 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 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 XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ) - Goldman Sachs Bank U ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) 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 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 did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( XXXX XXXX XXXX XXXX and XXXX and multiple data breaches as well. Please remove all my information from your companies systems. Also, I would like to receive monetary relief via every violation of the FCRA and the fair debt collection act Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress... It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, in anger, chagrin, disappointment, worry and nausea. '' XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ; see also XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( actual damages may be emotional in nature ) ; and XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .Other categories include loss of credit opportunity. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Economic or financial loss is also recoverable. XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( 9th Cir. XXXX ). total {$10000.00} per consumer reporting agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Dispute Department po box XXXX XXXX, XXXX  XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX XXXX and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.\n\n15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.\n\n15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.\n\n15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.\n\nH.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.\n\nSection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.\n\nGramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.\n\nGramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affi","date_sent_to_company":"2024-09-15T23:06:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10129613","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-09-15T23:06:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have reached out numerous times to my disbelief and discuss and discouragement with XXXX regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX <em>data</em> <em>breaches</em> as well as XXXX and their numerous <em>data</em> <em>breaches</em> and the identity theft that is taken place."]},"sort":[3.321209,"10129613"]},{"_index":"complaint-public-v1","_id":"9709179","_score":3.2659645,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I requested disclosure of XXXX specific items and the accuracy of debt from XXXX XXXX, XXXX XXXX ( XXXX XXXX at Citi ), and XXXX XXXX ( XXXX ) of CITIBANK N.A. \n\nI was certain that a company as big as CITIBANK N.A. and its upper management would have no problem following consumer protection laws and privacy rights while honoring my lawful request for disclosure and accuracy of debt. \n\nIt was also requested that all correspondences from XXXX XXXX, XXXX XXXX ( XXXX XXXX at Citi ), and XXXX XXXX ( XXXX ) of CITIBANK XXXX. arrive notarized under the penalty of perjury to ensure all information provided would be accurate and lawful. My lawful command was ignored. \n\nWhile XXXX XXXX ( XXXX ) of CITIBANK N.A. failed to respond, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) exclaimed verbatim, in a one-page letter, \" We found our actions on your account to be compliant with all applicable laws. '' How could XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. express that their actions were lawful while operating in default for failing a lawful request of XXXX items for disclosure and accuracy of debt? All the while CITIBANK N.A. continued to send baseless statements printouts and a redacted form as disclosure which is unlawful under the law. \n\nMore than half a year has passed without XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. fulfilling my lawful request for disclosure. This goes beyond the referenced \" reasonable timeframe '' under federal and state law, for companies to respond to such lawful requests. \n\nCompounding these violations, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. CITIBANK N.A. expected payment while in default, adversely impacting my credit score. It is illegal to expect payment without proving debt accuracy and fulfilling a disclosure request. \n\nIf XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. complied with federal and state consumer protection laws and privacy rights, they would have avoided reporting inaccurate information to my credit profile and unlawfully charging off the account during a pending request for debt verification and disclosure. \n\nThe closing of my charge account without warning and the subsequent charge-off of an unverified debt constitutes an adverse action, particularly given the account 's use for essential expenses. \n\nXXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. further violated federal and state consumer protection laws and privacy rights by not providing a 1099-C IRS document following the unlawful charge-off of the account referenced. This failure necessitates an audit by the IRS under Forms XXXX and XXXX, exploring the questionable practices of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at Citi ) of CITIBANK N.A . \n\nAdditionally, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. improperly shared my sensitive personal information with XXXX third-party debt XXXX, specifically XXXX XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX XXXX of XXXX XXXX XXXX P.A XXXX \n\nXXXX XXXX XXXX XXXX Collections Supervisor ) of XXXX XXXX XXXX XXXX unlawfully contacted me on XX/XX/XXXX. I noticed an immediate red flag upon opening the correspondence of XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX \n\nThe first page of XXXX XXXX XXXX XXXX Collections Supervisor ) of XXXX XXXX XXXX XXXX was a remittance coupon that could be fully indorsed and sold as a security or a negotiable instrument. The rest of the documents were the same baseless printouts with another redacted form which is unlawful for a disclosure. \n\nWhy was XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX attempting to collect a charged-off debt twice? XXXX times if you consider XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. unlawfully charging off the account. \n\nIn response, I sent notarized affidavits of truth under the penalty of perjury, citing relevant state and federal laws, codes, and statutes, to XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX enforcing my protected consumer rights and privacy laws. \n\nIn addition, I continued to make a lawful request for disclosure of the thirteen ( XXXX ) items requested and the accuracy of the debt. XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX. is grossly operating in default and has breached federal and state consumer protection laws and privacy rights. \n\nOn XX/XX/XXXX I received a notice from XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX expressing the \" account has been closed with ARS and returned to our client. If you wish to discuss this information, please contact CITIBANK N.A. '' XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX had no choice but to follow consumer protection laws and privacy right. My enforcement affidavits were key to shutting down XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX 's unlawful practices that seem commonplace within the XXXX umbrella and its leadership. \n\nAgain, XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX. sending a remittance coupon for an unlawfully charged-off account, suggest an intent to endorse, trade, or sell the coupon as a security or negotiable instrument. This is highly unethical and raises serious legal concerns. \n\nEven with XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX finally realizing her unlawful practices and closing the unlawfully charged off account by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at Citi ) of CITIBANK N.A. , there still has to be accountability for all the unlawful violations conducted by XXXX XXXX XXXX \n\nXXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX actions constitutes an audit by the Internal Revenue Service under forms XXXX and XXXX. XXXX XXXX will also be named for all future state and federal adjudication as a defendant under the penalty of perjury for participating in XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A . unlawful actions that go against consumer protection laws and privacy rights. \n\nDespite these efforts, XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX has failed to provide the requested XXXX items for disclosure or evidence of the debt 's accuracy and is still operating in default unlawfully. Regardless of the account being closed with XXXX XXXX XXXX XXXX and returned to XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. \n\nNow we will address the second instance of XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. unlawfully forwarding my personal information to another third-party debt collector without proving the debt and providing me with my lawful request for disclosure. \n\nOn XX/XX/XXXX, I unlawfully received unauthorized correspondence from Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  He claimed he was not a third party and had all of the authority to contact me to collect this unproven debt. Yet when I requested Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. to provide evidence of his authority he grossly failed and continues to do so. \n\nAttorney XXXX XXXX XXXX of XXXX XXXX XXXX 's actions fall under deceptive practices and a gross breach of consumer protection laws and privacy rights. It also goes against Attorney XXXX XXXX XXXX 's code of conduct set by the Florida Bar. \n\nFurthermore, Attorney XXXX XXXX XXXX of XXXX XXXX XXXX. included a remittance coupon among his baseless printouts in hopes I had no idea how remittance coupons worked once indorsed. This action alone constitutes an audit by the Internal Revenue Service under forms XXXX and XXXX. It also warrants a formal complaint with the Florida XXXX. Why is Attorney XXXX XXXX XXXX attempting to collect a charged-off debt twice while failing to prove the accuracy? \n\nAttorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX has shown bad faith and a total disregard for consumer protection laws and privacy rights. He will be held accountable in federal and state court under the penalty of perjury where he and his colleague, XXXX XXXX XXXX, will be named defendants. \n\nAttorney XXXX XXXX XXXX of XXXX XXXX XXXX 's disregard for these laws was further evidenced by his continued contact after grossly failing the same disclosure demanded from XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. and XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX \n\nI had to remind Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. that he is simply a third-party debt collector with absolutely no authority to contact me let alone unlawfully collect a charged-off debt twice. \n\nMy following action was to enforce the imposed cease and desist and insist Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX no longer contact me without providing a notarized disclosure along with the evidence that proves the accuracy of the debt. \n\nIs sending a remittance coupon a common practice for unlawful debt collectors? \n\nAs of today, XX/XX/XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A., CITIBANK N.A., XXXX XXXX XXXX Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have knowingly broken consumer protection laws and privacy rights while continuing to operate in default. \n\nAll parties refuse to follow consumer protection laws and privacy rights and unlawfully will not disclose the items requested and evidence of the accuracy of debt notarized under the penalty of perjury. \n\nAll parties have imposed fines of {$200000.00} for their initial and continued violations while being fined daily for {$20000.00}, in perpetuity, until my lawful demand for disclosure is met and evidence of the accuracy of the debt is provided. All evidence must arrive notarized under the penalty of perjury via the United States Postal Service which is the only lawful way to contact me. \n\nI am fully prepared and intend to hold XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A., CITIBANK XXXX, XXXX XXXXXXXX  ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accountable in federal, and state court. In addition to filing formal public complaints with all federal and state regulatory agencies. \n\nI've attempted to settle this matter amicably for over half a year. \n\nI have provided an affidavit of truth, that was notarized under the penalty of perjury, to Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, including all relevant enforcement laws. \n\nAttorney XXXX XXXX XXXX Attorney XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. \nXXXX, FL # Re : Default Notice for Failing Debt Validation and Demanded Full Disclosure, Enforcement of E-SIGN Act Rights, Legal Violations, Cease and Desist Command, and Increased Imposed Fines in Perpetuity Attorney XXXX XXXX XXXX, Once again, I am writing to formally request validation of the debt you claim I owe to CITIBANK, N.A., as required under the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g. Specifically, I am demanding the following information notarized under the penalty of perjury : The original application ( both sides ) with wet signature, while not being redeemed with any bank.\n\nThe complete agreement and terms, including all amendments and modifications. \nEvidence of the monetary amount, including a detailed breakdown of the principal, interest, fees, and other charges. \nFull payment history. \nDocumentation showing the chain of ownership and assignment of the debt. \nEvidence that the original applicationwas n't soldas a security to any entity, including theSEC. \nThe name and address of the actual original creditor and not the entity pretending to be. \nEvidence that the statute of limitations on the debt in question has not expired. \nThe daily transaction report log for the application on the day of signing. \nA wet contract showcasing a binding legal agreement between ( my name ), Attorney XXXX XXXX XXXX, or CITIBANKN.A. \nA copy of any judgment, if applicable. \nProvide evidence that AttorneyXXXX XXXX XXXX is authorized to collect this debt, as well asall relevant documentation. \nCITIBANK N.A. 's public and private ledgers for the account.\n\nUnder 15U.S.C. 1692g ( b ), you must cease collection efforts until this debt is validated.\n\nAdditionally, you have failed to demonstrate that you have the authority to contact me or collect this charged-off debt. As such, I demand that you provide sufficient evidence of your authority to collect this debt on behalf of CITIBANK , N.A . Without such proof, your communications and collection efforts violate the FDCPA.Attorney XXXX XXXX XXXX, you aresimplya third party withabsolutelyno authority to contact me.You should actas such. \nFailure to Provide Full Disclosure and Debt Accuracy I must also address your continued failure to provide full disclosure and accuracy of the debt. The FDCPA, 15U.S.C. 1692e, prohibits using any false, deceptive, or misleading representations or means in connection with collecting any debt.\n\nFurthermore, the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq., mandates that all information reported to credit reporting agencies must be accurate and complete. Attorney XXXX XXXX XXXX and XXXXITIBANKN.A.have consistently failed to providecompleteand accurate disclosure of this debt, thereby violating boththe FDCPA and the FCRA. \n\nAttorney XXXX XXXX XXXX and CITIBANKN.A.have failed to ensure that all communications with me arrived notarized under the penalty of perjury, per my explicit instructions.This failureis in direct violation ofmy legal rights and the established protocols for debt collection communications.\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692e, it is prohibited to use any false, deceptive, or misleading representationin connection with the collection ofany debt.Furthermore, the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, prohibits debt collectors from engaging in abusive or deceptive practices.\n\nThe requirement for notarization under penalty of perjury ensures the authenticity and accuracy of the information provided, aligning with the Truth in Lending Act ( TILA ), 15U.S.C. 1601 et seq., which mandates clear and accurate disclosure of terms. \n\nAttorney XXXX XXXX XXXX and CITIBANKN.A. 'sdisregard for these instructions and legal requirements constitutes a serious breach of professional and ethical standards.\n\nUnlawful Obtaining of Personal Information I am also deeply concerned that youhaveunlawfully obtained my personal information without myexpressedpermission.Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive data. Attorney XXXX XXXX XXXX 's unauthorized acquisition of my personal information from CITIBANK N.A.is aseriousviolation ofmy privacy rights. Again, AttorneyXXXX XXXX XXXXXXXX and XXXXXXXX XXXX are third parties. \n\nAttorney XXXX XXXX XXXX, you have failed toprovide a comprehensive explanation ofhowyouunlawfully obtained mypersonal informationand what measures you have in place to ensure compliance with the GLBA and other relevant privacy laws.I did not authorize you to contact me. In addition, youwere not approvedto obtain my personal information. Your disregard for privacy laws is concerning.\n\nRequest for Electronic Records Under the E-SIGN Act Under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15U.S.C. 7001 et seq., I'm entitled to access electronic records associated with this account. The E-SIGN Act requires that consumersbe informedof their right to receive electronic records and their right to withdraw consent to receive electronic communications at any time ( 15U.S.C. 7001 ( c ) ( 1 ) ( B ) ) .Accordingly, I request access toallelectronic records and documentsrelated to this account, as itwas establishedelectronically.As a reminder, it must arrive notarized under the penalty of perjury.\n\nAdditional Legal Grounds Additionally, the following laws and regulations support my request for full disclosure and validation of the debt : Truth in Lending Act ( TILA ) : Under 15U.S.C. 1601 et seq., and Regulation Z, 12C.F.R. 1026, creditors are required to provide clear and accurate information about the terms and conditions of credit accounts, including the amount financed and the finance charges.\n\nUniform Commercial Code ( UCC ) : UnderUCC 3-501, a debtor has the right to demand presentation of the original instrument ( such as a promissory note ) to verify its authenticity and terms.\n\nCode of Federal Regulations ( CFR ) : Under 12C.F.R. 226.17, creditors must make disclosures clearly and conspicuously in writing, ensuring that consumers understand the terms of the debt. \n\nAttorney XXXX XXXX XXXX and CITIBANKN.A.are in clear violation ofthese consumer protection laws, codes, and statutes. It's becoming apparentthe disclosure I'm requesting might expose unlawful practices conducted by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, and CITIBANK N.A. \nFormal Complaint to the Florida Bar I am also notifying XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. that I intend to file a formal public complaint with the Florida Bar regarding the unlawful conduct imposed on me. Attorney XXXX XXXX XXXX and CITIBANK N.A. 's failure to provide full disclosure, validate the debt, and furnish necessary documentation notarized raises concerns under the Florida Bar Rules of Professional Conduct, including but not limited to : Rule 1.1 - Competence : Failing to provide full disclosure and accurate information demonstrates a lack of competence.\n\nRule 1.3 - Diligence : The failure to respond within the granted time frame indicates a lack of diligence.\n\nRule 3.2 - Expediting Litigation : Your non-compliance hinders the expeditious resolution of this matter.\n\nRule 8.4 - Misconduct : Engaging in conduct that is prejudicial to the administration of justice, including failure to adhere to legal obligations and provide truthful, complete information. \n\nAttorney XXXX XXXX XXXX 's actions and omissions in handling this debt collection matter violate these rules. I expect AttorneyXXXX XXXX XXXX will take immediate action to rectify this situation and comply with all applicable laws and ethical standards. \nWaste of Resources on Irrelevant Printouts Attorney XXXX XXXX XXXX has also wasted an entireream ofprint paper on outdated and irrelevant printouts that fail to provide any substantive proof or validation of the debt in question.This actionnot onlydemonstrates a lack of respect for my request for full disclosure and accurate documentationbut alsoindicates a disregard for efficient and effective communication.Such behavior is unprofessional and does not align with the requirements set forth by the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g, which mandates the provision of clear and accurate information regarding the debt.\n\nMoreover, the unnecessary use of resources reflects poorly on the ethical standards expected from legal practitioners and violates the principles of responsible and transparent debt collection practices. \nImposition of Fines andCease and Desist Due to your continued failure to follow my direct instructions and provide the required full disclosure, I am imposing a fine of {$200000.00} for failing to comply with my requests.All correspondence from Attorney XXXX XXXX XXXX was requestedto arrive notarized under the penalty of perjury. His failure to do so and his ongoing disregard for the law and my directives have left me no choice but to enforce these penalties. \n\nEffective immediately, I am issuing a cease and desist order.Youare expectedto halt all communicationsunless you furnish the full disclosure I am demanding notarized under the penalty of perjury.Any further correspondence with me that does not meet these conditions will be considered another gross violation of my consumer-protected rights and will incur an additional fine of {$200000.00}. \n\nAdditionally, please be aware that Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX XXXX. are accruing fines of {$10000.00} per dayuntil my demanded disclosureis metin full. Given Attorney XXXX XXXX XXXX and CITIBANKN.A. 'songoing disregard for the law and my direct instructions, these daily finesincreasedto {$20000.00} per day.\n\nPrivacy Act Compliance Under the Privacy Act of 1974, I demand that AttorneyXXXX XXXX XXXX comply with all regulations regardingthehandlingofmy personal information.This federal law governsthecollection, maintenance, use, and dissemination of personal informationby federal agenciesand establishes important privacy principles that must be adhered to. \n\nFlorida Consumer Collection Practices Act ( FCCPA ) Under the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, AttorneyXXXX XXXX XXXX is prohibited from engaging in abusive and deceptive practices. Please ensure that your collection practices fully comply with this statute. Failure to do so will result in additional legal action against AttorneyXXXX XXXX XXXX and XXXX XXXX XXXX \nFormal Complaint to the Florida Attorney General In addition to my complaint with the Florida Bar, I intend to file a formal complaint with the Florida Attorney General under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Statutes Chapter 501, Part II. Attorney XXXX XXXX XXXX 's actions constitute unfair and deceptive practices, and I seek an investigation into Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX. 's unlawfulconduct. \nPublic Records Request Under Florida Statutes Chapter 119, I request access to any public records related to this debt collection matter.Thisincludes any documents, communications, or records held by public agencies that pertain to the account and Attorney XXXX XXXX XXXX 's unlawful collection efforts. \nConsumer Financial Protection Act ( CFPA ) Under the Consumer Financial Protection Act ( CFPA ), part of the XXXX XXXX XXXX Reform and Consumer Protection Act, I am entitled to protection from unfair, deceptive, or abusive acts or practices ( UDAAP ). \n\nGramm-Leach-Bliley Act ( GLBA ) Compliance Finally, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive data. I expect AttorneyXXXX XXXX XXXX and CITIBANK N.A. to comply with all GLBA requirements for handling my personal information. Again, AttorneyXXXX XXXX XXXXwas never authorized to obtain my personal information without my expressed permission. CITIBANK N.A. is in clear violation of forwarding my sensitiveinformation to a third party.\n\nOpportunity to Settle Out of Court Despite the numerous violations and issues raised, I am willing to offer one opportunity to settle this matter out of court.I am open to discussing aresolution that is fair and just, provided that it includes full disclosure of the debt and compensation for the damages incurred due to Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX. 'sunlawful actions and practices. \n\nShould you choose not to engage in a settlement discussion, be aware that this matter will escalate to federal and state court, where Attorney XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX P.A.ca n't evade being under the penalty of perjury. \n\nIf you choose tohave a discussion to settlethis matter out ofcourtsend me an affidavit of truth notarized under the penalty of perjury requesting to meet with me.Anything outsideofthat will be deemed another gross violation of my consumer rights and additional fines imposed. \n\nI do not expect to hear from Attorney XXXX XXXX XXXX again unless proceeding into federal and state adjudication. Attorney XXXX XXXX XXXX, CITIBANK N.A., and XXXX XXXX, XXXX. are currently operating in default, with fines increasingly imposed at {$200000.00} and daily penalties of {$20000.00} continuing indefinitely until they meet my lawful demands. \n\nAdjudication is inevitable, Attorney XXXX XXXX XXXX, unless you and CITIBANKN.A.settle this matter out of court.If we land in court, Attorney XXXX XXXX XXXX and XXXX XXXX XXXX willbe namedasDefendants, and both parties will have to answer questions under the penalty of perjury in state and federal court.\n\nYou can still expect that public complaints will be filed with, but not limited to, the following agencies : The Internal Revenue Service The Federal Trade Commission The Consumer Financial Protection Bureau The Florida Attorney General The Florida Bar If you fail to comply with the demands outlined herein, I reserve the right to pursue all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, attorney 's fees, and any other relief deemed appropriate by the court. This letter does not waive any rights or remedies I may have under federal or state law. \n\nYour office will receive this notarized affidavit under the penalty of perjury shortly.","date_sent_to_company":"2024-08-06T01:17:24.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"32907","tags":null,"has_narrative":true,"complaint_id":"9709179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-05T23:48:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["'sdisregard for these instructions and legal requirements constitutes a serious <em>breach</em> of professional and ethical standards.\n\nUnlawful Obtaining of Personal Information I am also deeply concerned that youhaveunlawfully obtained my personal information without myexpressedpermission.Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive <em>data</em>."]},"sort":[3.2659645,"9709179"]},{"_index":"complaint-public-v1","_id":"10128298","_score":3.0083632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have reached out numerous times to my disbelief and discuss and discouragement with XXXX regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX data breaches as well as Transunion and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by XXXX and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by XXXX and Transunion, the other perpetrators, XXXX sage stream and invoice data soluttions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( XXXX XXXX consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accounts ( XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reportINQUIRES ) XXXX TRANSUNION-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  ( TRANSUNION ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporti15 USC 1681 ( a ) ( 4 ) Futhermore I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I DID NOT AND DO NOT CONSENT these companies TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /XXXXTRANSUNION/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXXacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) -/ Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listedYou are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. TITLE 1.81.5. California Consumer Privacy Act of 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. Operative XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) ( INQUIRES ) XXXX TRANSUNIONXXXX 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  ( TRANSUNION ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) 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 consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any andall other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Pursuant to the FAIR CREDIT REPORTING ACT 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 S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. You are in violation of the Fair Credit Reporting Act ( \" FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my \" TransUnion '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) XXXX TRANSUNION-XXXX 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 XXXXXX/XX/XXXX ( TRANSUNION ) XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) The Fair Credit Reporting Act ( FCRA XXXX and its guidelines for permissible purpose. \" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( 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 This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( TRANSUNIONXXXX XXXX ) /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /XXXX/TRANSUNION/ ( 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT TRANSUNION/XXXX 15 U.S.Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. accounts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) XXXX TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CXXXX 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 XX/XX/XXXX, XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( TransUnion ) XXXX ) any verbal or written consent to report anything on my consumer report . No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect 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 Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d\\n711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) XXXX TRANSUNIONXXXX  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 ( TRANSUNION ) XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) XXXX TRANSUNION-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 XXXXP XX/XX/XXXX, XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX TRANUNION is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ) - XXXX XXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) XXXX TRANSUNION-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 XXXXXX/XX/XXXX ( TRANSUNION ) XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) Trans Union and XXXX and multiple data breaches as well. Please remove all my information from your companies systems. Also, I would like to receive monetary relief via every violation of the FCRA and the fair debt collection act Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress... It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, in anger, chagrin, disappointment, worry and nausea. '' XXXXcCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939, 957 ( 9th Cir. 2011 ) ; see also Cushman v. Trans Union Corp., 115 F.3d 220, 225-27 ( 3d Cir. 1997 ) ( actual damages may be emotional in nature ) ; and Guimond v. Trans Union, 45 F3d 1329, 1333 ( 9th Cir. 1995 ) .Other categories include loss of credit opportunity. Cortez v. Trans Union , LLC, 617 F.3d 688, 719-20 ( 3d Cir. 2010 ). Plaintiffs can recover damages for credit defamation. Dalton v. Capital Assoc., 257 F.3d 409, 418-19 ( 4th Cir. 2001 ). Economic or financial loss is also recoverable. Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. 1995 ). total {$10000.00} per consumer reporting agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX XXXX and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.\n\n15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.\n\n15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. \n15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.\n\n15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.\n\nH.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.\n\nSection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. \nGramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.\n\nGramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affi","date_sent_to_company":"2024-09-15T23:06:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10128298","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-15T23:06:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have reached out numerous times to my disbelief and discuss and discouragement with XXXX regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX <em>data</em> <em>breaches</em> as well as Transunion and their numerous <em>data</em> <em>breaches</em> and the identity theft that is taken place."]},"sort":[3.0083632,"10128298"]},{"_index":"complaint-public-v1","_id":"10129044","_score":3.0060396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as XXXX and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and XXXX, the other perpetrators, XXXX sage stream and invoice data soluttions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Eqifax about the accounts ( XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reportINQUIRES ) EQUIFAX 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  ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX XXXX Auto XXXX XX/XX/XXXX, XXXX did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporti15 USC 1681 ( a ) ( 4 ) Futhermore I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I DID NOT AND DO NOT CONSENT these companies XXXXEQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX8 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /EQUIFAXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) -/ Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listedYou are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. TITLE 1.81.5. California Consumer Privacy Act of 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. 2018, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. Operative JXX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXX XXXX XXXX  ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( XXXX ) ( INQUIRES ) EQUIFAX 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 ( Bank ) XX/XX/XXXXXXXX XXXX  ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) 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 consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the XXXX above.also Delete any andall other phone numbers. XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Pursuant to the FAIR CREDIT REPORTING ACT 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 S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. You are in violation of the Fair Credit Reporting Act ( \" FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my \" XXXX '' EQUIFAX consumer report without my authorization or a permissible purpose under the 15 USC 1681 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) EQUIFAX 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 ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) The Fair Credit Reporting Act ( FCRA XXXX and its guidelines for permissible purpose. \" A person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. XXXX. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( 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 This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( XXXXEQUIFAX XXXX ) /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /EQUIFAX/XXXX ( 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c 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. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXXEQUIFAX 15 U.S.Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. accounts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) EQUIFAX 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 ( Bank ) XX/XX/XXXX XXXX  ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XXXX and Equifax have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( XXXX ) EQUIFAX ) any verbal or written consent to report anything on my consumer report XXXX No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. XXXX USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. XXXX. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d\\n711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( XXXX ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) EQUIFAX 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  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) EQUIFAX 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 ( Bank ) XX/XX/XXXXXXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. EQUIFAX/and XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ) - XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} limit {$9500.00} opening date XX/XX/XXXX ( INQUIRES ) EQUIFAX 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 ( Bank ) XX/XX/XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) XXXX XXXX and Equifax and multiple data breaches as well. Please remove all my information from your companies systems. Also, I would like to receive monetary relief via every violation of the FCRA and the fair debt collection act Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress... It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, in anger, chagrin, disappointment, worry and nausea. '' McCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939, 957 ( 9th Cir. 2011 ) ; see also Cushman v. Trans Union Corp., 115 F.3d 220, 225-27 ( 3d Cir. 1997 ) ( actual damages may be emotional in nature ) ; and Guimond v. Trans Union, 45 F3d 1329, 1333 ( 9th Cir. 1995 ) .Other categories include loss of credit opportunity. Cortez v. Trans Union , LLC, 617 F.3d 688, 719-20 ( 3d Cir. 2010 ). Plaintiffs can recover damages for credit defamation. Dalton v. Capital Assoc., 257 F.3d 409, 418-19 ( 4th Cir. 2001 ). Economic or financial loss is also recoverable. Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. 1995 ). total {$10000.00} per consumer reporting agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX XXXX and Equifax are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.\n\n15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.\n\n15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.\n\n15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. \n15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.\n\n15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.\n\nH.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.\n\nSection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.\n\nGramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.\n\nGramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affi","date_sent_to_company":"2024-09-15T23:06:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10129044","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T20:45:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax <em>data</em> <em>breaches</em> as well as XXXX and their numerous <em>data</em> <em>breaches</em> and the identity theft that is taken place."]},"sort":[3.0060396,"10129044"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":25,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":25}]}},"product":{"doc_count":25,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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