{"took":139,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3425888","_score":21.051517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After the XXXX Equifax data breach, it was recommended by several websites and financial institutions to freeze all 3 credit bureau files to protect against identity theft and credit mis-use. I requested to all 3 bureaus that my files be frozen and created security PIN 's etc. to be used when requesting temporary or extended/permanent un-freezes for legitimate inquiries. This seemed to work well for some time ( 1 year approximately ) however, after 2 different situations recently when attempting to legitimately allow companies to access my reports/files I ran into issues with Equifax. \n\nWhen attempting to obtain a home loan ( XX/XX/XXXX ), I went online to XXXX 's freeze website and was able to easily use my PIN to unlock my report for a temporary inquiry, I did the same for XXXX with ease, however, when I attempted to temporarily lift the freeze with Equifax I ran into several issues. First, the website that I previously used to unlock/unfreeze the file was changed to a dedicated site, I attempted several times to both login with existing credentials used for the previous equifax site ( which still work on that site ), then I attempted to register a new account without success and after several help requests via email went unanswered, I called via phone to unlock the report. \n\nThis is where things got even worse. The customer service agents that answered the call were clearly from a foreign call center and of the 4-5 agents I interacted with, it was almost impossible to understand or communicate clearly with any of them. I am myself a bi-lingual person and understand the nuances and complexities of trying to speak in different non-native tongues and can appreciate these agents efforts, however, their particular capabilities were not even on par with basic English communicators. The questions being asked to verify my identity were completely confusing and vague at best. I was asked open ended questions such as \" did you have a merchant account, credit account, or bank loan '' full stop, when I answered I've had dozens and started naming some, the first 3 - 4 agents were not satisfied with the answers and denied me the ability to unlock my report. Only after almost 2 hours of repeated calls did I reach an agent that was finally satisfied with my answers and unlocked the report. As anyone can imagine, this was completely infuriating. I then learned that the only alternative to unlocking online was to speak to representatives at this call center and endure a similar process every time or mail a physical letter and wait several business days for the action to be performed. \n\nSince I had such a difficult situation with their phone option ( on two different occasions ), I started reaching out to their online customer service contacts for help correct whatever issue was happening with my online profile that would allow me to unlock/unfreeze the reports myself via their website. I submitted a help request on their website on approximately XX/XX/XXXX-XX/XX/XXXX ( don't have a date because it was an online form and only have an estimate due to the time I was having the difficulties and compared to the date when I received teh response. When I submitted that help request I detailed my issues and received the following response on XX/XX/XXXX : On Thu, XX/XX/XXXX at XXXX XXXX Customer.care@equifax.com wrote : Dear XXXXXXXXXXXXXX, We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. \n\nUpon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. \n\nThere are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX XXXX XXXX, 7 days per week. \n\n\nWe sincerely apologize for any inconvenience this issue may have caused. \n\nThank you for contacting Equifax, XXXX Equifax Consumer Care Team ref : XXXX : ref I was amazed that they seemingly ignored any attempts to resolve the issue with my online access and relegated me to the two other very slow and totally dysfunctional options. I replied with the following email : XX/XX/XXXX, XXXX XXXX to Customer.care@equifax.com That is absolutely an unacceptable answer. Your company was at fault for the 145 million person data breach that has forced consumers to take identity protection into their own hands. The government has mandated that the bureaus provide a mechanism that is easy to use that allows for people to freeze and unfreeze their credit and protect their information. Your phone system is not easy to use, it is time consuming and it is prone to errors and repeated failures both with the automated portion as well as with a live representative of which your company chooses to use outsourced companies for that are based overseas with nearly impossible accents to understand. \n\nI demand that someone reevaluate my account and correct the problems that prevent me from using the online portion. I have no problems accessing XXXX or XXXX 's online freeze/unfreeze services and incidentally, I have no problem accessing Equifax 's main website through my normal login. \n\nI expect that someone contact me directly to resolve this issue as it has caused an undue burden on myself and my family. \n\nXXXXXX ( contact info ) XXXXXX They then responded with the following : Customer.care@equifax.com via XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Dear XXXXXXXX, We received your research request from the Customer Care team and thank you for allowing us the opportunity to assist you. Your concern regarding online access has been reviewed. \n\nThe online registration process was designed with security and data integrity in mind. Multiple system requirements must be fulfilled to allow successful online data transfer. Though internet service is not currently an option, Equifax offers alternative options via telephone and US Mail to process your request. \n\nYour escalated matter is still being reviewed to aid in future Customer Service management and Technology endeavors. Your provided details will be collectively used in Equifaxs ongoing efforts to better serve and support the credit community. \n\nEquifax sincerely appreciates your patience during our investigation and review period. \n\nThank you, XXXX XXXX. \nConsumer Relations Specialist XXXX XXXX XXXX Operations Clearly, this is not a response stating they will continue to work on my specific access issue, but rather a canned response that they'll use my details in \" ongoing efforts to better serve and support the credit community. '' This is plainly outrageous ; this companies lack of oversight, security and control management allowed hundreds of millions of consumers very personal and private financial data to be released into the wild, creating a lifetime of potential identity theft issues for those users and their burden should be higher to help these consumers protect themselves from something that happened through no fault of their own but rather through the direct negligence of a billion dollar organization entrusted to protect these consumers information. \n\nPlease respond and assist myself and all other consumers in similar situations to protect what is rightfully theirs, their privacy and personal information.","date_sent_to_company":"2019-11-01T18:01:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33040","tags":null,"has_narrative":true,"complaint_id":"3425888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-11-01T17:13:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After the XXXX Equifax data breach, it was recommended by several websites and financial institutions to freeze all 3 credit bureau files to protect against identity theft and credit mis-use. I requested to all 3 bureaus that my files be frozen and created security PIN 's etc. to be used when requesting temporary or extended/permanent un-freezes for legitimate inquiries."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"sub_product":["Credit reporting"]},"sort":[21.051517,"3425888"]},{"_index":"complaint-public-v1","_id":"3891145","_score":13.325608,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX On Saturday, XX/XX/XXXX I received the attached letter from PenFed Credit Union ( Pn Fed Savings XXXX ). The letter noted that I, XXXX XXXX, had opened a Premium Online Savings Account at PenFed on XX/XX/XXXX. The letter was addressed to an address that we moved into on XX/XX/XXXX. I checked on-line to verify that PenFed was an actual financial institution. \nUnfortunately for me, I did not open this account. On Monday, XX/XX/XXXX. I called the number for PenFed found at the bottom of the page of the PenFed letter ( XXXX ). I had looked up PenFed and found that the number was one that PenFeds website noted was a legitimate phone number for PenFed. I authenticated myself on PenFeds automated system with data that included my social security number. After a significant wait, I spoke with a PenFed customer service rep. The rep was very helpful and he took down the information on the letter. He informed me that the person that opened the account online deposited {$22000.00} on XX/XX/XXXX. The deposit and withdrawal involved XXXX XXXX (? ) and XXXX XXXX. The depositor then withdrew {$5000.00} on XX/XX/XXXX. \nI told the rep that I did not open the account and was concerned about potential identity theft. He told me that PenFeds fraud department would be informed of this issue quickly and assured me that PenFeds Fraud department would be in touch with me within 48 hours. \nI also checked with our local financial institution about any help they could provide. XXXX XXXX XXXX lead me to a company that XXXX employs to assist XXXX members. The company is called XXXX XXXX. They have been very helpful. XXXX strongly suggested that I file a police report. I did so on Monday, XX/XX/XXXX. The XXXX XXXX Police Case number is XXXX. \nOn Tuesday, XX/XX/XXXX, a XXXX representative ( XXXX XXXX, XXXX ) and I called PenFed again. This time we were connected with a supervisor in PenFeds customer service department named XXXX XXXX ( extension XXXX ). Ms. XXXX did not provide any further information except that we would be contacted by PenFeds Fraud department within 2 days. We were informed that the account had been locked and I could not obtain access to the account. We were encouraged to call back if we did not hear from PenFeds Fraud department within a couple of days. \nMs. XXXX and I called again on Thursday, XX/XX/XXXX. We were not permitted to speak to Ms. XXXX nor any other supervisor. Ms. XXXX suggested that I file complaints with FTC, the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. I am filing this account of the issue with organizations. I also placed a freeze on all the 3 largest credit bureaus for both my credit history and my wifes, XXXX XXXX, credit history. \nI then contacted a lawyer that specializes in payments. He suggested that in addition to the above organizations that I file complaints with the appropriate organizations in the State of California such as the Secretary of State and Californias consumer protection bureau. \nWe moved back to XXXX County on XX/XX/XXXX after selling our house in XXXX XXXX county ( XXXX XXXX XXXX. XXXX XXXX, CA XXXX ) that closed on XX/XX/XXXX with funds transfers into a XXXX brokerage account. We have also applied for refinancing on the loan on the house that we own and moved into ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ). Both Old XXXX Title in XXXX ( escrow officer for the sale of XXXX XXXX XXXX and the loan officer for the refinance ( XXXX XXXX in XXXX ) have been contacted and informed of the issue. \nSince this PenFed account was opened on-line ( or so I have been informed by PenFed ) PenFed will have an IP address for the on-line conversation that opened the account in their logs. Additionally, PenFed informed us that the deposit of {$22000.00} was made via wire transfer from XXXX on XX/XX/XXXX. We have checked our XXXX accounts and the funds did not originate from any of our accounts. We have also been informed that the withdrawal conducted on XX/XX/XXXX was wired to an account at XXXX XXXX (? ). Wire transfers require sender and or receiver identification. It seems that locating the data for the opening, deposit and withdrawal can be easily obtained and may even be found inside PenFeds own logs. \nOn Friday, XX/XX/XXXX, I contacted PenFed again and was connected with a supervisor named XXXX XXXX. Ms. XXXX was very helpful. I agreed to send PenFed my description to date ( this document ) and informed her that I was opening complaints with several federal and state organizations with oversight on consumer financial activities. Ms. XXXX encouraged me to send this document to PenFed and provided an e-mail address for the transmission. Ms. XXXX encouraged me to contact her should further information be necessary. I have sent this letter to PenFed as suggested. PenFed has noted that they will be sending mean affidavit My wife and Is concern is the loss of our personally identifiable information that leads to further fraud. We look to your organization assist us in mitigating this breach of our information. If you have any suggestions for how we can mitigate this act, we are looking for help. Our contact information is below. \nSincerely, XXXX XXXX","date_sent_to_company":"2020-10-09T19:28:44.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"95405","tags":null,"has_narrative":true,"complaint_id":"3891145","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2020-10-09T18:20:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["XXXX suggested that I file complaints with FTC, the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. I am filing this account of the issue with organizations. I also placed a freeze on all the 3 largest credit bureaus for both my credit history and my wifes, XXXX XXXX, credit history. \nI then contacted a lawyer that specializes in payments."],"company":["PENTAGON FEDERAL CREDIT UNION"]},"sort":[13.325608,"3891145"]},{"_index":"complaint-public-v1","_id":"8661135","_score":13.1693325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fact To All Who May Read This That I am the consumer in fact federally insured natural person original creditor the lender the executor administrator holder in due course for any and all derivatives thereof for XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will deviate and autograph as the agent attorney in fact so be it whereas I of age of majority give the herein fact to all I make the solemn oath to the one and only most high of creation only whoever that maybe and I oppose the following facts so be it now present, XXXXXXXX XXXX Prejudice company Polices have been holding XXXX people back from building wealth for generations, the fair debt collection practices act and the fair credit reporting act is intended to secure my right to privacy and my privacy HAS BEEN BREACHED so be it and its a fact that I am sure the removal of my information from your company records or any and all derogatory marks or derivatives will be removed from your website thereof and with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent in this here in unrebuted affidavit of truth being serviced to you today and therefore standing as truth in commerce so be it. Please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury damages mental anguish and financial losses due to me being a victim of identity theft and so be it. I write to you today, not just as a consumer who has been adversely affected by the practices ofXXXX, Equifax, XXXX but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, the Company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for the Entities to rectify its actions in compliance with this obligation and the applicable federal laws. Specific Violations and Liabilities : The conduct of The CRAs, constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611 - Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information. 15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations. 15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. 15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses, reinforcing the sanctity of consumer data integrity. 15 U.S.C. 1681a ( i ) - Exclusions from the consumer report definition, whichXXXX XXXX and XXXX XXXX has failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations Pursuant to 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.Capital One has erroneously reported late payments on a closed account. Despite my legitimate attempts to settle this issue, including sending a certified mail letter ( Reference : XXXX ) with a remittance coupon and a 1099c form, XXXX XXXX has failed to process my payment and continues to report negative information. This contravenes the FCRA 's accuracy requirements ( 15 U.S.C. 1681a ) and the XXXX 's privacy protections ( 15 U.S.C. 6802 ), as they have improperly handled and reported my financial information without my consent. Since I Dont have any valid or said contract with XXXX XXXX Equifax XXXX or XXXX and you are claiming rights to MY INFORMATION, and furnishing inaccurate information on me under false pretenses because I Was never given any notice my information would be shared with Any CRA XXXX Immediate Actions Required : In light of these indisputable violations and the fiduciary breach represented by the XXXX XXXXXXXX and XXXX XXXX actions, Hard Inquires are a receipt of transaction ( XXXX ) meaning my credit card was ran, Pursuant to 15 usc 1602 ( A ( l ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money. meaning someone at early warning got paid for transmitting MY INFORMATION And using My social Security number. As a result of XXXX, equifax, and XXXX getting paid I was Discriminated against and denied Several credit cards a auto loan and XXXX personal loans. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : there seems to be some sort invisible block to my information i require any and all freezes or purposeful non reporting of my credit profile to stop because I am expecting positive changes and this information should be reported postive tradelines are coming from XXXX XXXX XXXX as well as XXXX XXXX. The cessation of all unauthorized use. The removal of all negative information reported by the Company that has unfairly impacted my consumer reports, reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. A formal investigation into and rectification of discriminatory practices and biases in the Company 's reporting and data handling processes, ensuring equitable treatment. Ultimatum and Notice Before Legal Action : This letter serves as a final ultimatum for ALL INSTITUTIONS INVOLVED to comprehensively address and rectify the aforementioned issues within XXXX business days from receipt hereof. This will be accompanied with an invoice a check made payable to me is required to be sent the address above for my damages and emotional distress Failure to adequately respond and rectify these matters will leave me with no option but to pursue all available legal remedies, including but not limited to, filing for damages and enforcement of statutory compliance through legal proceedings. I expect an immediate, detailed, and written acknowledgment of this letter from XXXX XXXX and equifax, outlining the specific actions the Companies commits to undertake in response to these demands. Let this letter mark the beginning of rectifying the injustices and breaches of trust that have transpired. Sincerely, XXXX XXXX Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief substantial monetary damages including but not limited to special punitive and compensatory damages attorney fees and all additional remedies relief and penalties by law and equity to the fullest extent permitted by law the foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.","date_sent_to_company":"2024-03-30T23:32:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"8661135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-30T23:32:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a result of XXXX, equifax, and XXXX getting paid I was Discriminated against and denied Several credit cards a auto loan and XXXX personal loans."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"]},"sort":[13.1693325,"8661135"]},{"_index":"complaint-public-v1","_id":"8661134","_score":13.146809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fact To All Who May Read This That I am the consumer in fact federally insured natural person original creditor the lender the executor administrator holder in due course for any and all derivatives thereof for XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will deviate and autograph as the agent attorney in fact so be it whereas I of age of majority give the herein fact to all I make the solemn oath to the XXXX and only most high of creation only whoever that maybe and I oppose the following facts so be it now present, XXXXXXXX XXXX Prejudice company Polices have been holding XXXX people back from building wealth for generations, the fair debt collection practices act and the fair credit reporting act is intended to secure my right to privacy and my privacy HAS BEEN BREACHED so be it and its a fact that I am sure the removal of my information from your company records or any and all derogatory marks or derivatives will be removed from your website thereof and with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent in this here in unrebuted affidavit of truth being serviced to you today and therefore standing as truth in commerce so be it. Please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury damages mental anguish and financial losses due to me being a victim of identity theft and so be it. I write to you today, not just as a consumer who has been adversely affected by the practices ofXXXX, XXXX, Experian but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, the Company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for the Entities to rectify its actions in compliance with this obligation and the applicable federal laws. Specific Violations and Liabilities : The conduct of The CRAs, constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611 - Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information. 15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations. 15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. 15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses, reinforcing the sanctity of consumer data integrity. 15 U.S.C. 1681a ( i ) - Exclusions from the consumer report definition, whichXXXX XXXXXXXX and XXXX XXXX has failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations Pursuant to 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.Capital One has erroneously reported late payments on a closed account. Despite my legitimate attempts to settle this issue, including sending a certified mail letter ( Reference : XXXX ) with a remittance coupon and a 1099c form, XXXX XXXX has failed to process my payment and continues to report negative information. This contravenes the FCRA 's accuracy requirements ( 15 U.S.C. 1681a ) and the XXXX 's privacy protections ( 15 U.S.C. 6802 ), as they have improperly handled and reported my financial information without my consent. Since I Dont have any valid or said contract with Experian XXXX XXXX XXXX or XXXX and you are claiming rights to MY INFORMATION, and furnishing inaccurate information on me under false pretenses because I Was never given any notice my information would be shared with Any CRA XXXX Immediate Actions Required : In light of these indisputable violations and the fiduciary breach represented by the XXXX XXXXXXXX and XXXX XXXX actions, Hard Inquires are a receipt of transaction ( XXXX ) meaning my credit card was ran, Pursuant to 15 usc 1602 ( A ( l ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money. meaning someone at early warning got paid for transmitting MY INFORMATION And using My social Security number. As a result of Experian, XXXX, and XXXX getting paid I was Discriminated against and denied Several credit cards a auto loan and XXXX personal loans. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : there seems to be some sort invisible block to my information i require any and all freezes or purposeful non reporting of my credit profile to stop because I am expecting positive changes and this information should be reported postive tradelines are coming from XXXX XXXX XXXX as well as XXXX XXXX. The cessation of all unauthorized use. The removal of all negative information reported by the Company that has unfairly impacted my consumer reports, reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. A formal investigation into and rectification of discriminatory practices and biases in the Company 's reporting and data handling processes, ensuring equitable treatment. Ultimatum and Notice Before Legal Action : This letter serves as a final ultimatum for ALL INSTITUTIONS INVOLVED to comprehensively address and rectify the aforementioned issues within XXXX business days from receipt hereof. This will be accompanied with an invoice a check made payable to me is required to be sent the address above for my damages and emotional distress Failure to adequately respond and rectify these matters will leave me with no option but to pursue all available legal remedies, including but not limited to, filing for damages and enforcement of statutory compliance through legal proceedings. I expect an immediate, detailed, and written acknowledgment of this letter from XXXX experian and XXXX, outlining the specific actions the Companies commits to undertake in response to these demands. Let this letter mark the beginning of rectifying the injustices and breaches of trust that have transpired. Sincerely, XXXX XXXX Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief substantial monetary damages including but not limited to special punitive and compensatory damages attorney fees and all additional remedies relief and penalties by law and equity to the fullest extent permitted by law the foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.","date_sent_to_company":"2024-03-30T23:32:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"8661134","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-30T23:32:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a result of Experian, XXXX, and XXXX getting paid I was Discriminated against and denied Several credit cards a auto loan and XXXX personal loans."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"]},"sort":[13.146809,"8661134"]},{"_index":"complaint-public-v1","_id":"8660992","_score":13.140063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fact To All Who May Read This That I am the consumer in fact federally insured natural person original creditor the lender the executor administrator holder in due course for any and all derivatives thereof for XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will deviate and autograph as the agent attorney in fact so be it whereas I of age of majority give the herein fact to all I make the solemn oath to the XXXX and only most high of creation only whoever that maybe and I oppose the following facts so be it now present, XXXX XXXX Prejudice company Polices have been holding XXXX people back from building wealth for generations, the fair debt collection practices act and the fair credit reporting act is intended to secure my right to privacy and my privacy HAS BEEN BREACHED so be it and its a fact that I am sure the removal of my information from your company records or any and all derogatory marks or derivatives will be removed from your website thereof and with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent in this here in unrebuted affidavit of truth being serviced to you today and therefore standing as truth in commerce so be it. Please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury damages mental anguish and financial losses due to me being a victim of identity theft and so be it. I write to you today, not just as a consumer who has been adversely affected by the practices ofTransunion, XXXX, XXXX but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, the XXXX inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for the Entities to rectify its actions in compliance with this obligation and the applicable federal laws. Specific Violations and Liabilities : The conduct of The CRAs, constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611 - Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information. 15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations. 15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. 15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses, reinforcing the sanctity of consumer data integrity. 15 U.S.C. 1681a ( i ) - Exclusions from the consumer report definition, whichXXXX XXXX and XXXX XXXX has failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations Pursuant to 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.Capital One has erroneously reported late payments on a closed account. Despite my legitimate attempts to settle this issue, including sending a certified mail letter ( Reference : XXXX ) with a remittance coupon and a 1099c form, XXXX XXXX has failed to process my payment and continues to report negative information. This contravenes the FCRA 's accuracy requirements ( 15 U.S.C. 1681a ) and the GLBA 's privacy protections ( 15 U.S.C. 6802 ), as they have improperly handled and reported my financial information without my consent. Since I Dont have any valid or said contract with XXXX XXXX XXXX XXXX or transunion and you are claiming rights to MY INFORMATION, and furnishing inaccurate information on me under false pretenses because I Was never given any notice my information would be shared with Any CRA XXXX Immediate Actions Required : In light of these indisputable violations and the fiduciary breach represented by the XXXX XXXX and XXXX XXXX actions, Hard Inquires are a receipt of transaction ( s ) meaning my credit card was ran, Pursuant to 15 usc 1602 ( A ( l ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money. meaning someone at early warning got paid for transmitting MY INFORMATION And using My social Security number. As a result of XXXX, XXXX, and transunion getting paid I was Discriminated against and denied Several credit cards a auto loan and 2 personal loans. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : there seems to be some sort invisible block to my information i require any and all freezes or purposeful non reporting of my credit profile to stop because I am expecting positive changes and this information should be reported postive tradelines are coming from XXXX XXXX XXXX as well as XXXX XXXX. The cessation of all unauthorized use. The removal of all negative information reported by the Company that has unfairly impacted my consumer reports, reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. A formal investigation into and rectification of discriminatory practices and biases in the Company 's reporting and data handling processes, ensuring equitable treatment. Ultimatum and Notice Before Legal Action : This letter serves as a final ultimatum for ALL INSTITUTIONS INVOLVED to comprehensively address and rectify the aforementioned issues within 4 business days from receipt hereof. This will be accompanied with an invoice a check made payable to me is required to be sent the address above for my damages and emotional distress Failure to adequately respond and rectify these matters will leave me with no option but to pursue all available legal remedies, including but not limited to, filing for damages and enforcement of statutory compliance through legal proceedings. I expect an immediate, detailed, and written acknowledgment of this letter from Transunion XXXX and XXXX, outlining the specific actions the Companies commits to undertake in response to these demands. Let this letter mark the beginning of rectifying the injustices and breaches of trust that have transpired. Sincerely, XXXX XXXX Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief substantial monetary damages including but not limited to special punitive and compensatory damages attorney fees and all additional remedies relief and penalties by law and equity to the fullest extent permitted by law the foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.","date_sent_to_company":"2024-03-30T23:32:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"8660992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-30T23:14:28.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a result of XXXX, XXXX, and transunion getting paid I was Discriminated against and denied Several credit cards a auto loan and 2 personal loans."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"]},"sort":[13.140063,"8660992"]},{"_index":"complaint-public-v1","_id":"9063047","_score":9.788578,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fact To All Who May Read This That I am the consumer in fact federally insured natural person original creditor the lender the executor administrator holder in due course for any and all derivatives thereof for XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will deviate and autograph whereas I of age of majority give the herein fact to all I make the solemn oath to the one and only most high of creation only whoever that maybe and I oppose the following facts so be it now present, XXXX XXXXXXXX XXXX COMPANY Polices have been holding XXXX XXXX back from building wealth for generations, the fair debt collection practices act and the fair credit reporting act is intended to secure my right to privacy and my privacy HAS BEEN BREACHED so be it and its a fact that I am sure the removal of this information from your company records or any and all derogatory marks from your website thereof and with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent in this here in unrebutted affidavit of truth being serviced to you today and therefore standing as truth in commerce so be it. Please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury damages mental anguish and financial losses due to me being a victim of identity theft and so be it. Any Willful noncompliance / frivolous Response will not be accepted and will result in a penalty of XXXX $ per each infraction Please take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief substantial monetary damages including but not limited to special punitive and compensatory damages attorney fees and all additional remedies relief and penalties by law and equity to the fullest extent permitted by law the foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein I write to you today, not just as a consumer who has been adversely affected by the practices of Transunion but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, the Company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for the Company to rectify its actions in compliance with this obligation and the applicable federal laws. Specific Violations and Liabilities : The conduct of Transunion as well as your representative XXXX XXXX ( Supervisor of special handling ), constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611 - Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information. 15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations. 15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. XXXX XXXX as well as transunion has been in receipt of my notice of rescission with XXXX XXXXXXXX and I have proof you guys received this letter and negligently ignored it. I am asserting that XXXX XXXX nor transunion holds no rights to my information and I can Choose to fix it at any point and time if agents of transunion continue to stand in my way I Will seek legal recourse and You will pay for every infraction on my consumer report. There is no law that says that this is permitted to be on my consumer report me and XXXX XXXX no longer have an agreement so NO CRA should have this banking information. 15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses, reinforcing the sanctity of consumer data integrity. 15 U.S.C. 1681a ( i ) - Exclusions from the consumer report definition, which XXXX XXXX and XXXX XXXX has failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations. Open balance as well as Credit Utilization are BANKING EXPERIENCES and shouldn't be on consumer reports so remove those remarks from my XXXX XXXX account DO NOT REMOVE THE ENTIRE ACCOUNT. I have been begging for the last 11 months for this experience not to be reported and you continue to do so to hold me back and keep from acquiring credit. XXXX XXXX has already told me they do not report utilization. I have authorized users on my account so this should be reflected for them as well. Transunion is voluntarily Illegal reporting this negative information to my consumer reports. Pursuant to 15 U.S. Code 1681 Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accuratecreditreporting. Inaccuratecreditreports directly impair the efficiency of the banking system, and unfaircreditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. I do indeed declare and side with congress when they say I have a right to financial banking privacy and I will use that right at any time. I reserve that right always and if these laws are in place so my consumer report can look the way I WANT IT TO THEN THATS EXACTLY WHAT IM GOING TO DO. Try and stop or failure to do your job people will start going to jail and Transunion will be paying federal court fines this is my promise to all associates of transunion and transunion itself as a company. In accordance 15 U.S. Code 1602 ( j ) The terms open end credit plan oropen end consumer credit planwithin the meaning of the preceding sentence is anopen end credit planoropen end consumer credit plan. XXXX fully aware of my rights as a consumer the credit plan is a right the XXXX XXXX card was acquired under this opened credit plan. open end credit is a right not a privilege that XXXX XXXX XXXX nor anybody at transunion can take away .Very Spiritual in fact Ive made the open end credit plan as part of my religion. did you know I can fine you for violating any of my rights Under title 18? In accordance with 15 U.S. Code 1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So why is a late payment showing my consumer report? Pursuant to 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise anyscheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. Since I Dont have any valid or said contract with Transunion and you are claiming rights to MY INFORMATION, and furnishing inaccurate information on me under false pretenses because I Was never given any notice my information would be shared with Transunion .18 U.S. Code 241 - Conspiracy against rights If two or more persons conspire to oppress any person in any State in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States They shall be fined under this title or imprisoned not more than ten years, or both. 18 U.S. Code 247 obstruction of persons in the free exercise of religious beliefs Whoeverintentionally obstructs any person in the enjoyment of that persons free exercise of religious beliefs, or attempts to do so a fine in accordance with this title, imprisonment for not more than 3 years, or both Immediate Actions Required : In light of these indisputable violations and the fiduciary breach represented by the Transunion actions, Hard Inquires are a receipt of transaction ( XXXX ) meaning my credit card was ran, Pursuant to 15 usc 1602 ( A ( l ) The term credit card means ANY CARD, plate, coupon book or othercreditdevice existing for the purpose of obtaining money. meaning someone at Transunion got paid for transmitting MY INFORMATION And using My social Security number and consumer report. As a result of TransUnion getting paid I was Discriminated against and denied a Several Credit products. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : The cessation of all unauthorized use and negative credit reporting of my personal information.reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. Remove the high utilization remark as well as open balance from XXXX account, Remove XXXX XXXX account and inquires entirely. Remove XXXX XXXX XXXX from XX/XX/2023 there is no permissible purpose with no open or said accounts or fiduciary obligation fulfilled by XXXX XXXX. remove hard inquiry from XXXX as well XX/XX/XXXX XXXX also. I mailed out some correspondence XX/XX/XXXX certfied mail number is XXXX it was delivered XX/XX/XXXX it needs to be processed along with this. I need access to my credit report at all times I also need access to freeze my consumer report AT WILL whatever invisible block is on my information cease that IMMEDIATELY. I need a consumer statement and it should go as follows. I XXXX XXXX am Creditworthy regardless of any number reported on me. Open Credit account ( s ) if applied for pursuant to 12 cfr part 1002 regulation B. A formal investigation into and rectification of discriminatory practices and biases in the Company 's reporting and data handling processes, ensuring equitable treatment. Ultimatum and Notice Before Legal Action : This letter serves as a final ultimatum for Transunion to comprehensively address and rectify the aforementioned issues within 5 business days from receipt hereof. Failure to adequately respond and rectify these matters will leave me with no option but to pursue all available legal remedies, including but not limited to, filing for damages and enforcement of statutory compliance through legal proceedings. I expect an immediate, detailed, and written acknowledgment of this letter from Transunion outlining the specific actions the Company commits to undertake in response to these demands. Let this letter mark the beginning of rectifying the injustices and breaches of trust that have transpired. Sincerely, XXXX XXXX","date_sent_to_company":"2024-05-21T22:24:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"9063047","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-21T22:13:57.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As a result of TransUnion getting paid I was Discriminated against and denied a Several Credit products. Since my credit card ( social security card ) was used I demand the following immediate corrective measures : The cessation of all unauthorized use and negative credit reporting of my personal information.reinstating my rightful financial reputation. Full compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"]},"sort":[9.788578,"9063047"]},{"_index":"complaint-public-v1","_id":"9061104","_score":9.456879,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fact to all who may read this : I am the consumer, federally insured natural person, original creditor, lender, executor, administrator, and holder in due course for any and all derivatives thereof for XXXX XXXX. I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will deviate and autograph. As I am of the age of majority, I give the herein fact to all and make the solemn oath to the one and only most high of creation, whoever that may be. I oppose the following facts, so be it now present : Racist, bigoted, prejudiced company policies have been holding black people back from building wealth for generations. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act are intended to secure my right to privacy, and my privacy has been breached. It is a fact that removing this information from your company records, or any and all derogatory marks from your website and any affiliates, will ensure my privacy rights wont be violated again due to my lack of consent. This unrebutted affidavit of truth is being serviced to you today and therefore stands as truth in commerce. \n\nPlease show good faith in this matter by expediting the securing of the alleged information listed on your site to avoid me receiving further injury, damages, mental anguish, and financial losses due to being a victim of identity theft. Any willful noncompliance or frivolous response will not be accepted and will result in a penalty of {$1000.00} per infraction. \n\nPlease take further fact that I am compelled to pursue potential legal action against you seeking injunctive relief, substantial monetary damages including but not limited to special, punitive, and compensatory damages, attorney fees, and all additional remedies, relief, and penalties by law and equity to the fullest extent permitted by law. The foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein. \n\nI write to you today not just as a consumer who has been adversely affected Experians practices, but as an individual who demands fairness, equity, and respect under the law. The reporting of negative information by your company has been neither fair nor equitable, significantly harming my financial standing and personal well-being. It's imperative to address that, in managing my personal and financial information, your company inherently holds a fiduciary obligation to act solely in ways that benefit me, the consumer. This letter encapsulates a comprehensive demand for your company to rectify its actions in compliance with this obligation and the applicable federal laws. \n\nSpecific Violations and Liabilities : The conduct of your company constitutes explicit violations of several federal statutes, critically affecting my rights and interests : 15 U.S. Code 1611- Criminal liability highlights the severity of willful and knowing misrepresentations or compliance failures regarding consumer information.\n\n15 U.S. Code 1681n, 15 U.S. Code 1681o - Civil liabilities underscore the consequences of both willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), emphasizing the rights of consumers to seek redress for violations.\n\n15 U.S. Code 6802 - The obligation of financial institutions to adhere to strict notice and opt-out requirements for the disclosure of nonpublic personal information, a principle egregiously violated by the unauthorized dissemination of my information. \nXXXX XXXX has been in receipt of my notice of rescission, and I have proof you received this letter and negligently ignored it. I assert that neither XXXX XXXX nor your company holds any rights to my information, and I can choose to fix it at any point in time. If your agents continue to stand in my way, I will seek legal recourse, and you will pay for every infraction on my consumer report. There is no law that says this information is permitted to be on my consumer report. XXXX XXXX and I no longer have an agreement, so no CRA should have this banking information. \n\n15 U.S. Code 1681q - The penalty for obtaining consumer information under false pretenses reinforces the sanctity of consumer data integrity.\n\n15 U.S. Code 1681a ( i ) - Exclusions from the consumer report definition, which XXXX XXXX and XXXX XXXX have failed to respect by reporting transactions and experiences without my consent, directly contravening the FCRA 's stipulations. \n\" Open balance '' as well as \" credit utilization '' are banking experiences and shouldn't be on consumer reports. Remove those remarks from my XXXX XXXX account ; do not remove the entire account. I have been requesting for the last 11 months for this experience not to be reported, and you continue to do so to hold me back and keep me from acquiring credit. XXXX XXXX has already told me they do not report utilization. I have authorized users on my account, so this should be reflected for them as well. Your company is voluntarily illegally reporting this negative information to my consumer reports. \n\nPursuant to 15 U.S. Code 1681 - Accuracy and fairness of credit reporting : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence essential to the continued functioning of the banking system. \nThere is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. \nI declare and side with Congress when they say I have a right to financial banking privacy and I will use that right at any time. I reserve that right always. If these laws are in place so my consumer report can look the way I want it to, then that's exactly what I'm going to do. Try and stop or fail to do your job, and people will start going to jail, and your company will be paying federal court fines. This is my promise to all associates of your company. \n\nIn accordance with 15 U.S. Code 1602 ( j ), the terms \" open end credit plan '' or \" open end consumer credit plan '' are defined. I am fully aware of my rights as a consumer. The credit plan is a right, and the XXXX XXXX card was acquired under this open-end credit plan. Open-end credit is a right, not a privilege. \n\nDid you know I can fine you for violating any of my rights under Title 18? In accordance with 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. So why is a late payment showing on my consumer report?\n\nPursuant to 18 U.S. Code 1341 - Frauds and swindles : Whoever devises or intends to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. \n\nSince I don't have any valid or said contract with your company and you are claiming rights to my information and furnishing inaccurate information on me under false pretenses because I was never given any notice my information would be shared with you, pursuant to 18 U.S. Code 241 - Conspiracy against rights : If two or more persons conspire to oppress any person in any state in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States, they shall be fined under this title or imprisoned not more than ten years, or both.\n\n18 U.S. Code 247 - Obstruction of persons in the free exercise of religious beliefs : Whoever intentionally obstructs any person in the enjoyment of that persons free exercise of religious beliefs, or attempts to do so, shall be fined in accordance with this title, imprisoned for not more than three years, or both.\n\nImmediate Actions Required : So experian I see there is no date of birth for my consumer report I have reason to believe my file has been mixed with someone elses. My membership ID IS AS FOLLOWS XXXX please add my birthday back to my file and stop merging my information. I was expecting a XXXX tradeline to report and i couldnt even tell if I Was added or not. \nIn light of these indisputable violations and the fiduciary breach represented by your actions, hard inquiries are a receipt of transactions meaning my credit card was run. Pursuant to 15 U.S. Code 1602 ( a ) ( l ), the term \" credit card '' means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money. This means someone at your company got paid for transmitting my information and using my Social Security number and consumer report. As a result of your company getting paid, I was discriminated against and denied several credit products. Since my credit card ( Social Security card ) was used, I demand the following immediate corrective measures : I need access to my credit report at all times I also need access to freeze my consumer report AT WILL whatever invisible block is on my information cease that IMMEDIATELY. I need a consumer statement and it should go as follows. I XXXX XXXX am Creditworthy regardless of any number reported on me. Open Credit account ( s ) if applied for pursuant to 12 cfr part 1002 regulation B.\n\nThe cessation of all unauthorized use and negative credit reporting of my personal information.\n\nReinstating my rightful financial reputation.\n\nFull compliance with the FCRA, particularly adherence to the exclusions under 1681a ( i ) and rectification of all compliance failures. \nRemoval of the high utilization remark as well as the open balance from my XXXX account. \nRemoval of the XXXX XXXX account and inquiries entirely. \nRemoval of the XXXX XXXX XXXX inquiry as there is no permissible purpose with no open or said accounts or fiduciary obligation fulfilled by XXXX XXXX XXXX.","date_sent_to_company":"2024-05-22T02:06:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"9061104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-22T01:45:59.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a result of your company getting paid, I was discriminated against and denied several credit products. Since my credit card ( Social Security card ) was used, I demand the following immediate corrective measures : I need access to my credit report at all times I also need access to freeze my consumer report AT WILL whatever invisible block is on my information cease that IMMEDIATELY. 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