{"took":1203,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10748676","_score":23.410257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute and Request for Immediate Removal of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally request that Equifax Credit Bureau investigate and immediately correct inaccuracies on my credit report associated with my identity, which was compromised in XXXX data breach in XXXX. The breach resulted in my personal information being exposed and has since led to multiple inaccuracies and erroneous accounts on my credit report, all of which Equifax has thus far failed to remove despite multiple requests. \n\nThe Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit reporting agencies, including Equifax, are responsible for ensuring maximum accuracy in credit reports and addressing any disputes promptly. According to FCRA guidelines, inaccurate or unverifiable information must be corrected or deleted within 30 days of a consumers dispute. However, XXXX refusal to remove inaccurate information caused by its own negligence in safeguarding my data reflects a breach of duty. \n\nRelevant Case Law In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that credit bureaus have a duty to conduct reasonable investigations when a consumer disputes inaccurate information. Further, the court found that failure to properly investigate and correct inaccuracies can result in liability for the credit bureau. The XXXX case demonstrates that Equifax has a duty to verify the legitimacy of information on my credit report and that failure to do so may expose Equifax to legal consequences. \n\nAdditionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court upheld that failure by credit reporting agencies to protect consumers personal information and provide accurate reports can be grounds for significant legal consequences under FCRA. Equifaxs data breach in XXXX, which compromised my data, falls within this purview, making Equifax accountable for any resulting inaccuracies. \n\nIn light of the Equifax data breach and the subsequent inaccuracies on my credit report, I am hereby requesting immediate removal of all erroneous information associated with my identity. Please respond within 15 business days of receipt of this letter to confirm that these inaccuracies have been corrected or removed. If these errors are not addressed, I am prepared to pursue further legal action.. \n\nThank you for your attention to this matter. I expect your full cooperation in rectifying this issue. \n\nSincerely, XXXX","date_sent_to_company":"2024-11-10T14:45:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10466","tags":null,"has_narrative":true,"complaint_id":"10748676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-10T14:32:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifaxs <em>data</em> <em>breach</em> in <em>XXXX</em>, <em>which</em> <em>compromised</em> my <em>data</em>, <em>falls</em> <em>within</em> this purview, making Equifax accountable for any resulting inaccuracies. \n\nIn light of the Equifax <em>data</em> <em>breach</em> and the subsequent inaccuracies on my credit report, I am hereby requesting immediate removal of all erroneous information associated with my identity. Please respond <em>within</em> 15 business days of receipt of this letter to confirm that these inaccuracies have been corrected or removed."]},"sort":[23.410257,"10748676"]},{"_index":"complaint-public-v1","_id":"14400505","_score":18.391302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at TransUnion, Equifax, and Experian, This letter serves as an immediate and unequivocal demand for the complete removal and permanent blocking of all negative, inaccurate, and unverifiable information appearing on my credit report. This aggressive action is necessitated by the egregious data breach that compromised my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). \nMy personal information was demonstrably compromised in a major data breach, specifically the Equifax data breach, as confirmed by official notification ( see attached proof ). This breach has directly led to, or significantly contributed to, the fraudulent and inaccurate reporting of accounts on my credit file, causing substantial harm to my financial standing and reputation. \nUnder the provisions of the Fair Credit Reporting Act, I demand the immediate and permanent deletion and blocking of the following accounts, which are either direct results of this breach, inaccurate, unverifiable, or otherwise detrimental to my credit profile : * XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. \nXXXX XXXXXXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account shows a \" Charge-off '' status and an estimated removal date of XXXX/XXXX. \nXXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX  * This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. \nXXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. And any other account reflecting negative remove it. \n\n\nMy legal basis for these demands is clear and unwavering : * 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) : Given the confirmed data breach and the subsequent appearance of derogatory information, it is evident that these negative entries are either directly linked to identity theft or are a consequence of the compromised security of my personal data. You are legally obligated to block the reporting of information that resulted from identity theft. I have filed an official Identity Theft report with the Federal Trade Commission ( FTC ), reference number [ If you have a reference number from XXXX, insert it here, otherwise state : \" available upon request '' ]. \n* 15 U.S.C. 1681a ( 2 ) ( Definition of Consumer Report - Exclusions ) : Information that is inaccurate, incomplete, or can not be verified upon reasonable reinvestigation does not constitute a valid consumer report. Your inclusion of such information on my report violates this fundamental principle. \n* 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ) : A consumer reporting agency may furnish a consumer report only under specific circumstances. Furnishing reports with inaccurate or unverifiable information, particularly when that information stems from a data breach, falls outside the permissible purposes. \n* 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Procedure in case of disputed accuracy ) : Upon receiving notice of a dispute, you are required to conduct a reasonable reinvestigation. However, in this case, the context of the data breach elevates the burden of proof. \n* 15 U.S.C. 1666b ( Accuracy of Credit Reports ) : This section emphasizes the responsibility of credit reporting agencies to ensure the accuracy of credit reports. The presence of these negative items, especially in light of the data breach, clearly demonstrates a failure to maintain accuracy. \n* 15 U.S.C. 1681 ( Congressional findings and statement of purpose ) : The FCRA was enacted to ensure the accuracy, fairness, and privacy of consumer credit information. Allowing compromised data to remain on my report directly contradicts the very purpose of this Act. \nLet me be unequivocally clear : I am not merely disputing the accuracy of these entries ; I am asserting that their very presence on my report is a direct consequence of a systemic failure to protect my data and your subsequent failure to adhere to the FCRA. \nI demand that you immediately, and without further delay or equivocation, block and delete all aforementioned negative accounts from my credit report. Your failure to do so will be viewed as a willful violation of my rights under the FCRA. \nBe advised that I have documented all interactions and will not hesitate to pursue all available legal remedies, including but not limited to, filing a lawsuit against your respective agencies for damages and injunctive relief, should these demands not be met promptly and completely. I expect to receive an updated credit report reflecting these changes within 10 business days. \nI anticipate your immediate compliance. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-02T01:45:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"14400505","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-02T01:45:23.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This aggressive action is necessitated by the egregious <em>data</em> <em>breach</em> that <em>compromised</em> my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). \nMy personal information was demonstrably <em>compromised</em> in a major <em>data</em> <em>breach</em>, specifically the Equifax <em>data</em> <em>breach</em>, as confirmed by official notification ( see attached proof )."]},"sort":[18.391302,"14400505"]},{"_index":"complaint-public-v1","_id":"14401911","_score":18.38703,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at TransUnion, Equifax, and Experian, This letter serves as an immediate and unequivocal demand for the complete removal and permanent blocking of all negative, inaccurate, and unverifiable information appearing on my credit report. This aggressive action is necessitated by the egregious data breach that compromised my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). \nMy personal information was demonstrably compromised in a major data breach, specifically the Equifax data breach, as confirmed by official notification ( see attached proof ). This breach has directly led to, or significantly contributed to, the fraudulent and inaccurate reporting of accounts on my credit file, causing substantial harm to my financial standing and reputation. \nUnder the provisions of the Fair Credit Reporting Act, I demand the immediate and permanent deletion and blocking of the following accounts, which are either direct results of this breach, inaccurate, unverifiable, or otherwise detrimental to my credit profile : * XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. \nXXXX XXXXXXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account shows a \" Charge-off '' status and an estimated removal date of XXXX/XXXX. \nXXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX  * This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. \nXXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. And any other account reflecting negative remove it. \n\n\nMy legal basis for these demands is clear and unwavering : * 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) : Given the confirmed data breach and the subsequent appearance of derogatory information, it is evident that these negative entries are either directly linked to identity theft or are a consequence of the compromised security of my personal data. You are legally obligated to block the reporting of information that resulted from identity theft. I have filed an official Identity Theft report with the Federal Trade Commission ( FTC ), reference number [ If you have a reference number from XXXX, insert it here, otherwise state : \" available upon request '' ]. \n* 15 U.S.C. 1681a ( 2 ) ( Definition of Consumer Report - Exclusions ) : Information that is inaccurate, incomplete, or can not be verified upon reasonable reinvestigation does not constitute a valid consumer report. Your inclusion of such information on my report violates this fundamental principle. \n* 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ) : A consumer reporting agency may furnish a consumer report only under specific circumstances. Furnishing reports with inaccurate or unverifiable information, particularly when that information stems from a data breach, falls outside the permissible purposes. \n* 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Procedure in case of disputed accuracy ) : Upon receiving notice of a dispute, you are required to conduct a reasonable reinvestigation. However, in this case, the context of the data breach elevates the burden of proof. \n* 15 U.S.C. 1666b ( Accuracy of Credit Reports ) : This section emphasizes the responsibility of credit reporting agencies to ensure the accuracy of credit reports. The presence of these negative items, especially in light of the data breach, clearly demonstrates a failure to maintain accuracy. \n* 15 U.S.C. 1681 ( Congressional findings and statement of purpose ) : The FCRA was enacted to ensure the accuracy, fairness, and privacy of consumer credit information. Allowing compromised data to remain on my report directly contradicts the very purpose of this Act. \nLet me be unequivocally clear : I am not merely disputing the accuracy of these entries ; I am asserting that their very presence on my report is a direct consequence of a systemic failure to protect my data and your subsequent failure to adhere to the FCRA. \nI demand that you immediately, and without further delay or equivocation, block and delete all aforementioned negative accounts from my credit report. Your failure to do so will be viewed as a willful violation of my rights under the FCRA. \nBe advised that I have documented all interactions and will not hesitate to pursue all available legal remedies, including but not limited to, filing a lawsuit against your respective agencies for damages and injunctive relief, should these demands not be met promptly and completely. I expect to receive an updated credit report reflecting these changes within 10 business days. \nI anticipate your immediate compliance. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-02T01:45:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"14401911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-02T01:32:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This aggressive action is necessitated by the egregious <em>data</em> <em>breach</em> that <em>compromised</em> my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). \nMy personal information was demonstrably <em>compromised</em> in a major <em>data</em> <em>breach</em>, specifically the Equifax <em>data</em> <em>breach</em>, as confirmed by official notification ( see attached proof )."]},"sort":[18.38703,"14401911"]},{"_index":"complaint-public-v1","_id":"14400504","_score":18.382637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at TransUnion, Equifax, and Experian, This letter serves as an immediate and unequivocal demand for the complete removal and permanent blocking of all negative, inaccurate, and unverifiable information appearing on my credit report. This aggressive action is necessitated by the egregious data breach that compromised my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). \nMy personal information was demonstrably compromised in a major data breach, specifically the Equifax data breach, as confirmed by official notification ( see attached proof ). This breach has directly led to, or significantly contributed to, the fraudulent and inaccurate reporting of accounts on my credit file, causing substantial harm to my financial standing and reputation. \nUnder the provisions of the Fair Credit Reporting Act, I demand the immediate and permanent deletion and blocking of the following accounts, which are either direct results of this breach, inaccurate, unverifiable, or otherwise detrimental to my credit profile : * XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. \nXXXX XXXXXXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account shows a \" Charge-off '' status and an estimated removal date of XXXX/XXXX. \nXXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX  * This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. \nXXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a \" Charge-off '' status and an estimated removal date of XX/XX/XXXX. And any other account reflecting negative remove it. \n\n\nMy legal basis for these demands is clear and unwavering : * 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) : Given the confirmed data breach and the subsequent appearance of derogatory information, it is evident that these negative entries are either directly linked to identity theft or are a consequence of the compromised security of my personal data. You are legally obligated to block the reporting of information that resulted from identity theft. I have filed an official Identity Theft report with the Federal Trade Commission ( FTC ), reference number [ If you have a reference number from XXXX, insert it here, otherwise state : \" available upon request '' ]. \n* 15 U.S.C. 1681a ( 2 ) ( Definition of Consumer Report - Exclusions ) : Information that is inaccurate, incomplete, or can not be verified upon reasonable reinvestigation does not constitute a valid consumer report. Your inclusion of such information on my report violates this fundamental principle. \n* 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ) : A consumer reporting agency may furnish a consumer report only under specific circumstances. Furnishing reports with inaccurate or unverifiable information, particularly when that information stems from a data breach, falls outside the permissible purposes. \n* 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Procedure in case of disputed accuracy ) : Upon receiving notice of a dispute, you are required to conduct a reasonable reinvestigation. However, in this case, the context of the data breach elevates the burden of proof. \n* 15 U.S.C. 1666b ( Accuracy of Credit Reports ) : This section emphasizes the responsibility of credit reporting agencies to ensure the accuracy of credit reports. The presence of these negative items, especially in light of the data breach, clearly demonstrates a failure to maintain accuracy. \n* 15 U.S.C. 1681 ( Congressional findings and statement of purpose ) : The FCRA was enacted to ensure the accuracy, fairness, and privacy of consumer credit information. Allowing compromised data to remain on my report directly contradicts the very purpose of this Act. \nLet me be unequivocally clear : I am not merely disputing the accuracy of these entries ; I am asserting that their very presence on my report is a direct consequence of a systemic failure to protect my data and your subsequent failure to adhere to the FCRA. \nI demand that you immediately, and without further delay or equivocation, block and delete all aforementioned negative accounts from my credit report. Your failure to do so will be viewed as a willful violation of my rights under the FCRA. \nBe advised that I have documented all interactions and will not hesitate to pursue all available legal remedies, including but not limited to, filing a lawsuit against your respective agencies for damages and injunctive relief, should these demands not be met promptly and completely. I expect to receive an updated credit report reflecting these changes within 10 business days. \nI anticipate your immediate compliance. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-02T01:45:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"14400504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-02T01:45:23.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This aggressive action is necessitated by the egregious <em>data</em> <em>breach</em> that <em>compromised</em> my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). \nMy personal information was demonstrably <em>compromised</em> in a major <em>data</em> <em>breach</em>, specifically the Equifax <em>data</em> <em>breach</em>, as confirmed by official notification ( see attached proof )."]},"sort":[18.382637,"14400504"]},{"_index":"complaint-public-v1","_id":"11618579","_score":16.853674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : DISPUTE OF CFPB EQUIFAX XXXX ORDER and Demand for Proper Investigation and Removal of Inaccurate Items, To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report and dispute of the Consent Order entered into between the Consumer Financial Protection Bureau ( `` CFPB '' ) and Equifax Information Services , LLC ( \" Equifax '' XXXX on XX/XX/XXXX. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information and I believe the Consent Order, while addressing some critical issues, falls short of adequately addressing the severe harm caused by Equifax 's XXXX data breach and fails to provide sufficient consumer protections. Massive Breach : The XXXX Equifax data breach compromised the sensitive personal information of approximately XXXX XXXX Americans, including Social Security numbers, dates of birth, addresses, and driver 's license information. XXXX. Data Breach Exposure : During the XXXX Equifax data breach, my sensitive personal information, including my Social Security number, date of birth, and address, was exposed to unauthorized parties. This exposure has created a significant risk of identity theft and fraud, severely impacting my financial well-being. \nXXXX. Impact of XXXX XXXX : Identity Theft : I have already experienced instances of identity theft, such as fraudulent credit card applications, loan applications, rental apartment applications and payments, auto loans and have found my information on the dark web. \nCredit Score Damage : The presence of fraudulent accounts and inquiries on my credit report has severely damaged my credit score, making it difficult to obtain loans, rent apartments, or secure favorable insurance rates. \nEmotional Distress : The constant fear of identity theft and the ongoing struggle to repair my credit have caused significant emotional distress and anxiety. \nXXXX. Violations of Consumer Protection Laws : Equifax 's actions and inactions in the wake of the data breach demonstrate a clear disregard for consumer protection laws, including : Failure to adequately protect consumer data : The data breach itself represents a serious failure on Equifax 's part to safeguard sensitive consumer information. \nInsufficient response to the data breach : Equifax 's response to the breach was inadequate, leaving consumers vulnerable to ongoing identity theft risks. \nLack of transparency and communication : Equifax failed to adequately inform consumers about the breach and the potential risks involved. \nSystemic Failures : The breach exposed significant systemic failures within Equifax 's security infrastructure, including inadequate data encryption, outdated software, and a lack of proactive threat monitoring. \nDevastating Consequences : The breach resulted in widespread identity theft, fraud, and emotional distress for millions of consumers. \nViolations of Consumer Laws : The Consent Order acknowledges Equifax 's violations of several federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Equifax failed to implement and maintain reasonable procedures to ensure the accuracy, fairness, and confidentiality of consumer information, as required by the FCRA.\n\nElectronic Communications Privacy Act ( ECPA ) : Equifax failed to adequately safeguard sensitive consumer data, potentially violating the ECPA 's provisions regarding the privacy of electronic communications.\n\nFederal Trade Commission Act ( FTC Act ) : Equifax engaged in unfair or deceptive acts or practices by failing to adequately protect consumer data and by potentially misleading consumers about the security of their information.\n\nAs you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit/consent order against Equifax for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process. \nBelow is a list of the items I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that XXXX XXXX XXXX removed immediately, I also demand that Equifax take immediate action to address the following : Thorough investigation : Conduct a thorough investigation into the impact of the data breach on my specific account and identify any fraudulent activity. \nCredit report correction : Remove all inaccurate and fraudulent information from my credit report, unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit reporting and proper handling of disputes. \nAdditionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. \nI expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. \nEnclosed, you will find copies of all relevant documentation to support my dispute. \nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-20T02:41:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19144","tags":null,"has_narrative":true,"complaint_id":"11618579","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T02:00:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Massive <em>Breach</em> : The <em>XXXX</em> Equifax <em>data</em> <em>breach</em> <em>compromised</em> the sensitive personal information of approximately <em>XXXX</em> <em>XXXX</em> Americans, including Social Security numbers, dates of birth, addresses, and driver 's license information. <em>XXXX</em>. <em>Data</em> <em>Breach</em> Exposure : During the <em>XXXX</em> Equifax <em>data</em> <em>breach</em>, my sensitive personal information, including my Social Security number, date of birth, and address, was exposed to unauthorized parties."]},"sort":[16.853674,"11618579"]},{"_index":"complaint-public-v1","_id":"12517935","_score":16.705175,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Privacy Violation Dear FERPA Office, XX/XX/year> I hope this letter finds you well. I am writing to formally request assistance regarding a serious privacy violation that has directly impacted my student loan situation. My name is XXXX XXXX, and I have reason to believe that my sensitive student loan information has been accessed and misused by unauthorized parties, including individuals or entities associated with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nI have discovered that my private financial records and student loan information were illegally obtained. As a result, I have faced significant complications with my student loan repayment, including being locked out of my student portal, which has prevented me from managing my payment methods and accessing my payment history and balance. I am deeply concerned that my personal data has been exploited in ways that have compromised my financial standing. \nGiven the serious nature of this issue, I am requesting a full investigation into how my sensitive student loan information was accessed and whether unauthorized parties outside of approved student loan servicers were involved. Specifically, I believe that XXXX XXXX and his staff, through their association with XXXX, have unlawfully accessed my data as part of a larger network of digital misappropriation. \nAs a direct consequence of this breach, I am formally requesting that my student loan be forgiven to mitigate the damages caused by this unauthorized access and misuse of my information. While I understand that FERPA primarily protects the privacy of educational records, I believe this case falls within your mandate to ensure that personal and financial information remains secure from unauthorized access. \nPlease advise me on the appropriate next steps to address this matter. I am prepared to provide any necessary documentation or additional details to assist in your investigation. \nThank you for your time and attention to this urgent issue. I look forward to your prompt response. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-17T13:46:58.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"21217","tags":null,"has_narrative":true,"complaint_id":"12517935","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-03-17T13:34:52.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a result, I have faced significant complications with my student loan repayment, including being locked out of my student portal, <em>which</em> has prevented me from managing my payment methods and accessing my payment history and balance. I am deeply concerned that my personal <em>data</em> has been exploited in ways that have <em>compromised</em> my financial standing."]},"sort":[16.705175,"12517935"]},{"_index":"complaint-public-v1","_id":"13888592","_score":14.170672,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting a number of charge-off and collection accounts that are inaccurate, misleading, and unverifiable. These include : XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX, with a balance of {$1400.00} ; multiple DEPTEDXXXX accounts ( ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported in XXXX with conflicting balances of {$1100.00}, {$1100.00}, and {$610.00} respectively ; XXXX XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, showing {$58.00} ; XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ) reported XX/XX/XXXX, with a balance of {$6100.00} ; XXXX XXXX XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with a balance of {$760.00} ; XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) listed as of XX/XX/XXXX, with a balance of {$0.00} ; and XXXXXXXX XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with {$820.00} owed. \n\nI am disputing the validity, accuracy, and completeness of these entries. Some show contradictory information such as duplicate student loan records with differing balances, while others are being reported with XXXX balances and yet still reflect negative account statuses such as collection or charge off. The presence of multiple old, duplicate, or XXXX  accounts that are still negatively impacting my credit profile raises red flags. Not only are these entries inconsistent and unverifiable, but they also suggest possible mishandling of my personal datalikely stemming from a data breach or unauthorized access, a growing and well-documented issue in consumer credit reporting.\n\nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of any disputed information and to do so within 30 days. If the information can not be verified using original source documentation, it must be corrected or deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Moreover, the continued reporting of unverifiable or incorrect data is a violation of my rights as a consumer and is deeply harmful. My financial integrity and reputation are being unfairly compromised, and these inaccuracies are creating barriers to essential opportunities such as employment, housing, and fair credit access.\n\nThis situation has been emotionally draining and financially detrimental. These errorsmany of which date back over a decadeshould have either aged off my credit report or should never have been reported in the first place, especially when the accuracy can not be proven. The continued presence of erroneous, outdated, or inconsistent information is unacceptable and falls short of federal compliance standards.","date_sent_to_company":"2025-06-04T19:27:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80602","tags":null,"has_narrative":true,"complaint_id":"13888592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-04T19:13:23.000Z","state":"CO","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":["Not only are these entries inconsistent and unverifiable, but they also suggest possible mishandling of my personal datalikely stemming from a <em>data</em> <em>breach</em> or unauthorized access, a growing and well-documented issue in consumer credit reporting.\n\nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of any disputed information and to do so <em>within</em> 30 days."]},"sort":[14.170672,"13888592"]},{"_index":"complaint-public-v1","_id":"7577076","_score":13.701683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against TransUnion I. Introduction : I am submitting this formal complaint against TransUnion, a major credit reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws. This complaint is further supported by the recent data breach, which serves as a testament to TransUnion 's negligence and disregard for consumer rights. \nXXXX. Background : TransUnion has consistently demonstrated negligence in their duty to provide accurate credit reporting. Their recent data breach further underscores their lack of commitment to safeguarding consumer data. Despite this breach, they failed to notify affected consumers promptly, exacerbating the potential harm. \n\nI. XXXX XXXX and Implications on XXXX XXXX XXXX 's recent data breach is a glaring testament to their negligence in safeguarding consumer data. This breach not only exposes sensitive consumer information but also casts significant doubt on their ability to verify and validate information accurately. Given this breach, how can consumers, like myself, trust TransUnion to maintain the integrity of our data? \n* FCRA XXXX ( c ) ( XXXX ) ( B ) : This section mandates agencies to disclose all information in the consumer 's file at the time of the request. Given the breach, it's unclear if TransUnion can provide accurate data, especially when they have repeatedly failed to verify the accuracy of my accounts. \n* XXXX XXXX : This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. The breach indicates a clear violation of this act, further eroding trust in TransUnion 's practices. \nXXXX. Specific Account Discrepancies and Violations Highlighting Address Discrepancy\nA recurring theme in my disputes with TransUnion is XXXX address discrepancy WHICH THEY REFUSE TO UPDATE. My current XXXX address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. None of the creditors in question have this address on file, making it impossible for them to have verified any information related to these accounts. This is a clear violation of the FCRA 's mandate for accurate reporting. \n* XXXX XXXX XXXX - A collection of {$380.00} was previously removed from my credit report. However, TransUnion has allowed it to be reported again post-dispute, violating FCRA XXXX ( a ) ( XXXX ). How can this account be verified when the creditor doesn't have my correct address TO ALLOW ME TO BE NOTIFIED OF THIS COLLECTION? NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n* XXXX XXXX XXXX - This account, reporting a balance of {$23000.00}, was opened fraudulently on XXXX. They do not have my current address on file, making their claim of verification baseless. This is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates accurate reporting of information. NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n* XXXX XXXX XXXX Bank - Similarly, this account is fraudulent and can not be verified. TransUnion 's claim of verification is false, especially given the address discrepancy. This again violates FCRA XXXX ( a ) ( XXXX ) ( A ). NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n* XXXX XXXX - This account is illegally reporting with an open CFPB complaint - XXXX. TransUnion reported a repossession despite no late payments. The address discrepancy further emphasizes their inability to verify this information, violating FCRA XXXX ( a ) ( XXXX ) ( C ). NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n\nXXXX. Absence of Adverse Action Notices and Truth in Lending Act XXXX significant concern is the absence of adverse action notices for all the disputed accounts. The creditors do not have my correct address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, which means I never received any adverse action notices. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), which mandates that users be notified in the event of an adverse action based on information from a credit report. \nNO PROOF OF A PROCESS SERVER FROM THE XXXX WHICH IS REQUIRED BY LAW TO COLLECT DEBT!!!!!!!!!!!!!!!!!!! AND IN ADDITION TO THAT NONE OF THESE CREDITORS CAN PROVIDE A RECEIPT OF DELIVERY OF FIRST CLASS MAIL WITH OR WITHOUT SIGNATURE PROVING THAT THEY ACTUALLY SENT THESE ADVERSE ACTIONS TO ME!!!!!!!!! \n\n\nFurthermore, TransUnion can not shift the responsibility to me for not updating the creditors. The Truth in Lending Act ( XXXX ) ensures that consumers are provided with clear and accurate terms of credit. If creditors do not have the correct address, it indicates a failure in their due diligence, which is protected under XXXX. \n\nIV. XXXX XXXX XXXX and Reporting\nIt has come to my attention that TransUnion XXXX have received a financial charge from the creditors to report this information on their platform. this was done without my knowledge or without providing me an adverse action notice, it's a clear violation. TransUnion accepted financial incentives to report potentially inaccurate or unverified information, it further undermines their credibility and could be deemed illegal. \n\nXXXX XXXX. XXXX ( a ) ( XXXX ) 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. \n( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \n\n\" The term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. '' - XXXX U.S.C. XXXX ( b ) This definition clearly encompasses a wide range of entities, including corporations like TransUnion. Therefore, TransUnion, being a corporation, falls under the definition of a \" person '' as per the FCRA and is subject to its provisions. \n\n\nTransUnion, despite its status as a \" global company, '' is bound by XXXX federal laws, including the Fair Credit Reporting Act ( FCRA ), when operating within the United States and dealing with XXXX consumers. The FCRA was enacted to protect the rights of XXXX consumers regarding the collection, dissemination, and use of their credit information. As XXXX of the major credit reporting agencies in the XXXX, TransUnion plays a significant role in this process and must adhere to the FCRA to ensure the rights and privacy of XXXX consumers are upheld. Numerous global or multinational corporations have faced legal actions in the XXXX for not complying with XXXX laws. Being a \" global company '' does not provide immunity from the legal and regulatory requirements of the countries in which a company operates. For a XXXX XXXX XXXX, trust is paramount. Suggesting that they are not bound by XXXX laws because of their global status can erode trust and harm their reputation among XXXX consumers and regulatory bodies. In summary, TransUnion 's global status does not exempt them from the obligations and responsibilities set forth by the FCRA or any other XXXX federal law. They are obligated to ensure accurate, fair, and lawful handling of credit information for XXXX consumers. \n\nJurisdiction of XXXX : Any company, regardless of its global presence, must comply with the laws of the countries in which it operates. TransUnion operates within the United States and deals with XXXX consumers, it is bound by XXXX federal laws, including the FCRA. \n\nXXXX of XXXX : The FCRA was enacted to protect the rights of XXXX consumers regarding the collection, dissemination, and use of their credit information. TransUnion, as XXXX of the major credit reporting agencies in the XXXX, plays a significant role in this process. Thus, it is imperative for them to adhere to the FCRA to ensure the rights and privacy of XXXX consumers are upheld. \n\nLegal Precedents : There have been numerous instances where global or multinational corporations have faced legal actions in the XXXX for not complying with XXXX laws. Being a \" global company '' does not provide immunity from the legal and regulatory requirements of the countries in which a company operates. \n\n\nCriminal Activities Committed by TransUnion XXXX in Safeguarding Consumer Data : TransUnion 's data breach exposed sensitive consumer information. \nViolation : XXXX XXXX - This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. \nFailure to Notify Affected Consumers : TransUnion did not promptly notify consumers about the data breach. \nViolation : Fair Credit Reporting Act ( FCRA ) XXXX ( c ) ( XXXX ) ( B ) - This section mandates agencies to disclose all information in the consumer 's file at the time of the request. \nXXXX of XXXX Incentives for XXXX : TransUnion accepted financial charges from creditors to report certain information on their platform without proper verification. \nViolation : XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibition : ( A ) Reporting information with actual knowledge of errors. \n( B ) Reporting information after notice and confirmation of errors. \nInaccurate XXXX of XXXX XXXX : TransUnion violated the FCRA by inaccurately reporting consumer accounts. \nViolation : FCRA XXXX ( a ) ( XXXX ) - 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. \nBank XXXX : TransUnion knowingly engaged in deceptive practices to defraud a bank or another financial institution. \nViolation : XXXX XXXX. XXXX - Whoever knowingly executes a scheme to defraud a financial institution. \nXXXX XXXX : TransUnion used interstate wire communications to defraud consumers. \nViolation : XXXX XXXX. XXXX - Whoever, having devised a scheme to defraud, transmits by means of wire communication in interstate or foreign commerce, any writings for the purpose of executing such scheme. \nXXXX XXXX Violations : TransUnion engaged in a pattern of racketeering activity, such as accepting financial incentives for reporting, they could be in violation of the XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. \nViolation : XXXX XXXX. XXXX - It is unlawful for anyone employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate in the conduct of such enterprise 's affairs through a pattern of racketeering activity. \n\n\nTransUnion 's inability or unwillingness to verify or admit to a data breach is a significant concern, especially given the stringent requirements of federal laws that mandate the protection of consumer data. \n\nLack of XXXX Measures : TransUnion 's potential data breach suggests a lack of adequate security measures to protect sensitive consumer information. Such negligence not only exposes consumers to potential harm but also undermines the trust that consumers place in credit reporting agencies. \nViolation of the XXXX XXXX ( XXXX ) : The GLBA requires financial institutions, which includes credit reporting agencies like TransUnion, to ensure XXXX security and confidentiality of customer records and information. A data breach, especially XXXX that is not promptly addressed, is a clear violation of the XXXX 's Safeguards XXXX. \nFCRA Implications : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information they collect and disseminate. A data breach can compromise the integrity of this data, leading to potential inaccuracies in credit reports. This not only violates the FCRA but also can have severe consequences for consumers, affecting their creditworthiness and financial opportunities. \nErosion of XXXX : Credit reporting agencies play a crucial role in the financial ecosystem. Consumers, lenders, and various other entities rely on them for accurate credit information. A data breach, coupled with an inability or unwillingness to verify or admit to it, erodes this trust. It suggests that the agency might be more concerned about its reputation than about the consumers it serves. \nXXXX XXXX for XXXX XXXX : Beyond specific laws like the XXXX and FCRA, there's a broader federal mandate for companies to protect consumer data. Data breaches can lead to identity theft, financial fraud, and other forms of consumer harm. By failing to prevent a breach or address it adequately, TransUnion is not upholding its responsibility to protect consumers. \nIn summary, TransUnion 's actions, or lack thereof, in the face of a potential data breach go against the very essence of federal laws designed to protect consumers. Their inability to verify or admit to the breach suggests a deeper systemic issue, potentially indicating a disregard for the very laws and standards that govern their operations. \n\n\nXXXX and XXXX : For a XXXX XXXX XXXX, trust is paramount. Suggesting that they are not bound by XXXX laws because of their global status can erode trust and harm their reputation among XXXX consumers and regulatory bodies WHICH CONTRAVENES THE FCRA XXXX XXXX TransUnion should be aware that all of these concerns, discrepancies, and violations of the Fair Credit Reporting Act ( FCRA ) and other XXXX federal laws are meticulously documented and on record. If these issues are not addressed and rectified immediately, the intention is to escalate this matter to the XXXX XXXX XXXX for the XXXX XXXX XXXX Texas, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, by XXXX. This escalation will be for both civil and criminal action, seeking remedies for the harm caused.","date_sent_to_company":"2023-09-20T09:17:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78232","tags":null,"has_narrative":true,"complaint_id":"7577076","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-20T08:50:01.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This complaint is further supported by the recent <em>data</em> <em>breach</em>, <em>which</em> serves as a testament to TransUnion 's negligence and disregard for consumer rights. \n<em>XXXX</em>. Background : TransUnion has consistently demonstrated negligence in their duty to provide accurate credit reporting. Their recent <em>data</em> <em>breach</em> further underscores their lack of commitment to safeguarding consumer <em>data</em>. Despite this <em>breach</em>, they failed to notify affected consumers promptly, exacerbating the potential harm. \n\nI."]},"sort":[13.701683,"7577076"]},{"_index":"complaint-public-v1","_id":"13948782","_score":13.542056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Excuse me, I believe I have the right to dispute any inaccurate information on my credit report, as stated by the Fair Credit Reporting Act ( FCRA ). I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. \n\nI understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I am requesting evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account listed in my report.\n\nMay I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. \n\nListed below are the accounts that are being challenged : XXXX Acct # : XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and National Public data breaches, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. \n\nI am writing to express my profound disappointment regarding the current status of the information associated with XXXX and Acct # : XXXX within your database. It has come to my attention that the data is not up to date and fails to adhere to the minimum standards of accuracy. I feel compelled to bring this matter to your immediate attention, as the presence of incorrect and incomplete information within your database and on my credit report is both unacceptable and incongruous. \n\nIn light of these concerns, I respectfully request that you take immediate action to rectify this situation. Failure to do so in a timely manner may leave me with no alternative but to explore legal remedies. I firmly believe that data integrity is paramount, and as such, I kindly ask for the expeditious deletion of the inaccurate information from your database.\n\nI would also like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and Metro 2 compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine. \n\nTherefore, I respectfully request that you remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. \n\nI have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I request that any mistakes be permanently corrected immediately. \n\nI kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all inquiries on my credit record. \n\nListed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXXl XXXX  XXXX XXXX Any personal information, including names, addresses, dates of birth, Social Security numbers, or any other data that appears in your records and does not match the information on the attached documents was not provided by me and should not be maintained or reported. This data is unauthorized, and you are required to delete it immediately or provide legal documentation proving you have the authority to maintain and report such information. \n\nI am writing to bring to your attention an issue related to my account. I would like to request that you kindly update your records to reflect that my sole and current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX It is imperative that my account information is kept up to date and accurate. I trust that you will take the necessary measures to ensure this. I would greatly appreciate your prompt attention to this matter, and I thank you in advance for your cooperation. Please do not hesitate to contact me if you require any further information.\n\nI am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted standard of Metro 2 data field reporting. The alleged delinquencies and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the accounts existence and permissible use. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. \n\nAdditional Personal Information Challenge : Employer : A National Limousine As stated above, any personal information that does not match the attached documentation must be deleted unless you can provide legal justification for retaining it. \n\nI am writing to request that you promptly update your records, as they contain inaccurate information that falls below the minimum standard for accuracy. I understand that mistakes can happen, but the presence of inaccurate data on my account is a serious concern that must be addressed immediately. \n\nI want to remind you that, absent legal authority or a written agreement between us, you can not force me to conduct any business interactions with you. If you elect to harm meeven to the slightest degreeit will be regarded as harassment or potentially willful extortion, which may constitute a criminal offense in my state of residence. Any such behavior will lead me to take the appropriate action. I urge you to immediately rectify the inaccurate and misleading information on my consumer credit profile.\n\nPlease acknowledge receipt of this letter and notify me of your actions\nregarding the removal of the delinquently reported item ( s ) within 20 days of receipt of this notice. \n\nCollections Being Challenged : XXXX. XXXX Acct # : XXXX XXXX XXXX XXXX  # : XXXX Both accounts are fraudulent and inaccurate. My personal data was compromised during the Equifax and National Public data breaches, resulting in unauthorized accounts. You have failed to provide documentation proving the validity of these debts. These issues are under active investigation. DELETE THESE ACCOUNTS IMMEDIATELY. \nI understand that you may be using form letters to respond to disputes and challenges submitted by consumers without addressing each individually. This practice is illegal. You are required to comply with 15 U.S.C. 1681i. Additionally, you may not delay the processing of letters based on assumptions about third-party involvement. I confirm that all letters submitted under my name were written by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney for you to process them. \n\nFailure to process my letters in a timely and thorough manner will be seen as a deliberate violation of my consumer rights, and I will pursue legal recourse with the assistance of legal counsel if necessary.","date_sent_to_company":"2025-06-07T01:30:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"13948782","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-07T01:29:54.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If not rectified <em>within</em> 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. \n\nListed below are the accounts that are being challenged : <em>XXXX</em> Acct # : <em>XXXX</em> This collection account is fraudulent and inaccurate. My personal <em>data</em> was <em>compromised</em> in both the Equifax and National Public <em>data</em> <em>breaches</em>, <em>which</em> led to unauthorized accounts being reported."]},"sort":[13.542056,"13948782"]},{"_index":"complaint-public-v1","_id":"13948757","_score":13.528567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Excuse me, I believe I have the right to dispute any inaccurate information on my credit report, as stated by the Fair Credit Reporting Act ( FCRA ). I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. \n\nI understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I am requesting evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account listed in my report.\n\nMay I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. \n\nListed below are the accounts that are being challenged : XXXX Acct # : XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and National Public data breaches, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. \n\nI am writing to express my profound disappointment regarding the current status of the information associated with XXXX and Acct # : XXXX within your database. It has come to my attention that the data is not up to date and fails to adhere to the minimum standards of accuracy. I feel compelled to bring this matter to your immediate attention, as the presence of incorrect and incomplete information within your database and on my credit report is both unacceptable and incongruous. \n\nIn light of these concerns, I respectfully request that you take immediate action to rectify this situation. Failure to do so in a timely manner may leave me with no alternative but to explore legal remedies. I firmly believe that data integrity is paramount, and as such, I kindly ask for the expeditious deletion of the inaccurate information from your database.\n\nI would also like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and Metro 2 compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine. \n\nTherefore, I respectfully request that you remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. \n\nI have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I request that any mistakes be permanently corrected immediately. \n\nI kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all inquiries on my credit record. \n\nListed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXXl XXXX  XXXX XXXX Any personal information, including names, addresses, dates of birth, Social Security numbers, or any other data that appears in your records and does not match the information on the attached documents was not provided by me and should not be maintained or reported. This data is unauthorized, and you are required to delete it immediately or provide legal documentation proving you have the authority to maintain and report such information. \n\nI am writing to bring to your attention an issue related to my account. I would like to request that you kindly update your records to reflect that my sole and current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX It is imperative that my account information is kept up to date and accurate. I trust that you will take the necessary measures to ensure this. I would greatly appreciate your prompt attention to this matter, and I thank you in advance for your cooperation. Please do not hesitate to contact me if you require any further information.\n\nI am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted standard of Metro 2 data field reporting. The alleged delinquencies and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the accounts existence and permissible use. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. \n\nAdditional Personal Information Challenge : Employer : A National Limousine As stated above, any personal information that does not match the attached documentation must be deleted unless you can provide legal justification for retaining it. \n\nI am writing to request that you promptly update your records, as they contain inaccurate information that falls below the minimum standard for accuracy. I understand that mistakes can happen, but the presence of inaccurate data on my account is a serious concern that must be addressed immediately. \n\nI want to remind you that, absent legal authority or a written agreement between us, you can not force me to conduct any business interactions with you. If you elect to harm meeven to the slightest degreeit will be regarded as harassment or potentially willful extortion, which may constitute a criminal offense in my state of residence. Any such behavior will lead me to take the appropriate action. I urge you to immediately rectify the inaccurate and misleading information on my consumer credit profile.\n\nPlease acknowledge receipt of this letter and notify me of your actions\nregarding the removal of the delinquently reported item ( s ) within 20 days of receipt of this notice. \n\nCollections Being Challenged : XXXX. XXXX Acct # : XXXX XXXX XXXX XXXX  # : XXXX Both accounts are fraudulent and inaccurate. My personal data was compromised during the Equifax and National Public data breaches, resulting in unauthorized accounts. You have failed to provide documentation proving the validity of these debts. These issues are under active investigation. DELETE THESE ACCOUNTS IMMEDIATELY. \nI understand that you may be using form letters to respond to disputes and challenges submitted by consumers without addressing each individually. This practice is illegal. You are required to comply with 15 U.S.C. 1681i. Additionally, you may not delay the processing of letters based on assumptions about third-party involvement. I confirm that all letters submitted under my name were written by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney for you to process them. \n\nFailure to process my letters in a timely and thorough manner will be seen as a deliberate violation of my consumer rights, and I will pursue legal recourse with the assistance of legal counsel if necessary.","date_sent_to_company":"2025-06-07T01:30:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"13948757","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-07T01:06:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If not rectified <em>within</em> 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. \n\nListed below are the accounts that are being challenged : <em>XXXX</em> Acct # : <em>XXXX</em> This collection account is fraudulent and inaccurate. My personal <em>data</em> was <em>compromised</em> in both the Equifax and National Public <em>data</em> <em>breaches</em>, <em>which</em> led to unauthorized accounts being reported."]},"sort":[13.528567,"13948757"]},{"_index":"complaint-public-v1","_id":"13933854","_score":13.528567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Excuse me, I believe I have the right to dispute any inaccurate information on my credit report, as stated by the Fair Credit Reporting Act ( FCRA ). I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. \n\nI understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness against me are false, and I am requesting evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account listed in my report.\n\nMay I request that you address this matter as soon as possible? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. \n\nListed below are the accounts that are being challenged : XXXX Acct # : XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and National Public data breaches, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. \n\nI am writing to express my profound disappointment regarding the current status of the information associated with XXXX and Acct # : XXXX within your database. It has come to my attention that the data is not up to date and fails to adhere to the minimum standards of accuracy. I feel compelled to bring this matter to your immediate attention, as the presence of incorrect and incomplete information within your database and on my credit report is both unacceptable and incongruous. \n\nIn light of these concerns, I respectfully request that you take immediate action to rectify this situation. Failure to do so in a timely manner may leave me with no alternative but to explore legal remedies. I firmly believe that data integrity is paramount, and as such, I kindly ask for the expeditious deletion of the inaccurate information from your database.\n\nI would also like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and Metro 2 compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine. \n\nTherefore, I respectfully request that you remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. \n\nI have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I request that any mistakes be permanently corrected immediately. \n\nI kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all inquiries on my credit record. \n\nListed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXXl XXXX  XXXX XXXX Any personal information, including names, addresses, dates of birth, Social Security numbers, or any other data that appears in your records and does not match the information on the attached documents was not provided by me and should not be maintained or reported. This data is unauthorized, and you are required to delete it immediately or provide legal documentation proving you have the authority to maintain and report such information. \n\nI am writing to bring to your attention an issue related to my account. I would like to request that you kindly update your records to reflect that my sole and current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX It is imperative that my account information is kept up to date and accurate. I trust that you will take the necessary measures to ensure this. I would greatly appreciate your prompt attention to this matter, and I thank you in advance for your cooperation. Please do not hesitate to contact me if you require any further information.\n\nI am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted standard of Metro 2 data field reporting. The alleged delinquencies and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the accounts existence and permissible use. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. \n\nAdditional Personal Information Challenge : Employer : A National Limousine As stated above, any personal information that does not match the attached documentation must be deleted unless you can provide legal justification for retaining it. \n\nI am writing to request that you promptly update your records, as they contain inaccurate information that falls below the minimum standard for accuracy. I understand that mistakes can happen, but the presence of inaccurate data on my account is a serious concern that must be addressed immediately. \n\nI want to remind you that, absent legal authority or a written agreement between us, you can not force me to conduct any business interactions with you. If you elect to harm meeven to the slightest degreeit will be regarded as harassment or potentially willful extortion, which may constitute a criminal offense in my state of residence. Any such behavior will lead me to take the appropriate action. I urge you to immediately rectify the inaccurate and misleading information on my consumer credit profile.\n\nPlease acknowledge receipt of this letter and notify me of your actions\nregarding the removal of the delinquently reported item ( s ) within 20 days of receipt of this notice. \n\nCollections Being Challenged : XXXX. XXXX Acct # : XXXX XXXX XXXX XXXX  # : XXXX Both accounts are fraudulent and inaccurate. My personal data was compromised during the Equifax and National Public data breaches, resulting in unauthorized accounts. You have failed to provide documentation proving the validity of these debts. These issues are under active investigation. DELETE THESE ACCOUNTS IMMEDIATELY. \nI understand that you may be using form letters to respond to disputes and challenges submitted by consumers without addressing each individually. This practice is illegal. You are required to comply with 15 U.S.C. 1681i. Additionally, you may not delay the processing of letters based on assumptions about third-party involvement. I confirm that all letters submitted under my name were written by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney for you to process them. \n\nFailure to process my letters in a timely and thorough manner will be seen as a deliberate violation of my consumer rights, and I will pursue legal recourse with the assistance of legal counsel if necessary.","date_sent_to_company":"2025-06-07T01:30:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"13933854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T01:29:54.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If not rectified <em>within</em> 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. \n\nListed below are the accounts that are being challenged : <em>XXXX</em> Acct # : <em>XXXX</em> This collection account is fraudulent and inaccurate. My personal <em>data</em> was <em>compromised</em> in both the Equifax and National Public <em>data</em> <em>breaches</em>, <em>which</em> led to unauthorized accounts being reported."]},"sort":[13.528567,"13933854"]},{"_index":"complaint-public-v1","_id":"9149014","_score":13.293921,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the inaccurate and unlawful reporting of multiple charged-off accounts by XXXX XXXX XXXX XXXX on my consumer reports. My consumer reports have erroneously noted multiple late payments and inaccurately calculated charged-off amounts. These inaccuracies are in violation of numerous consumer protection laws, and I Demand Immediate rectification and Deletion of these incorrect entries. \n\nXXXX. Continuous Reporting of Charged-Off Accounts and Late Payments : Under 15 U.S. Code 1681s2 ( a ), there is a clear duty for furnishers of information to provide accurate information. The continuous reporting of charged-off accounts with inaccurate amounts each month constitutes a violation of this section. Charged-off accounts are, by definition, \" dead '' accounts. Therefore, the amounts should not fluctuate once charged off. The continuous addition to the charged-off amount is inaccurate and misleading. \n\nFurther, the reporting of late payments on charged-off accounts is incorrect. A charged-off account is no longer an active credit account ; hence, it should not report late payments continuously. According to 15 U.S. Code 1681a, a consumer report does not include information about transactions or experiences between the consumer and the person making the report, except in cases of current credit relationships. Since the account has been charged off and is no longer an active credit relationship, the continuous reporting of late payments is inaccurate and misleading. \n\nXXXX. Duty to Provide Notice of Delinquency : Pursuant to 15 U.S. Code 1681s2 ( a ) ( 7 ), creditors are required to notify credit reporting agencies when an account is delinquent. However, the repeated monthly reporting of the same delinquency as if it were a new delinquency each month is not only redundant but also a misrepresentation of the actual status of the account. \n\nXXXX. Accuracy and Verification Failures : Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continuous inaccuracies in the reporting of my charged-off accounts, including differing information across the XXXX consumer reporting agencies, demonstrate a failure to uphold this legal requirement. Furthermore, 15 U.S. Code 1681i ( a ) mandates that consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite my numerous requests for verification, I have yet to receive any adequate response or evidence of a proper investigation. \n\nXXXX. Reporting of Personal Information Without Consent : The reporting of my personal information, including account numbers, without my explicit consent is a violation of my privacy rights. 15 U.S. Code 1681b outlines permissible purposes for the furnishing of consumer reports, and reporting personal account information without consent falls outside these permissible purposes. \n\nXXXX. IRS Guidelines on Charged-Off Accounts : According to IRS guidelines XXXX charged-off accounts are considered \" canceled debt '' and are typically reported as income on a Form 1099-C. These accounts should not be reported as active debts on a consumer 's report once they have been charged off. The current practice of XXXX XXXX XXXX XXXX in continuously reporting these charged-off accounts is in direct contradiction to these guidelines and further exacerbates the inaccuracies on my consumer reports. \n\nXXXX. Impact of the Equifax Data Breach : The Equifax data breach has compromised the integrity and security of my personal information. This breach not only affects Equifax but also raises concerns about the accuracy and safety of my information with all three major consumer reporting agencies. This breach undermines the integrity of the credit reporting system as a whole. Given the breach, it is even more critical that my information is handled with the utmost care and accuracy, which has evidently not been the case. \n\nDemand for Immediate Deletion : In light of these significant and numerous violations, I demand the immediate deletion of all inaccurate and unlawful information related to the charged-off accounts from my consumer reports. The continued reporting of these inaccuracies is causing me undue distress, damaging my credit, and hindering my ability to move forward in life. \n\nI urge XXXX XXXX XXXX XXXX and the reporting agencies to rectify these inaccuracies promptly and ensure compliance with consumer protection laws. Failure to do so will result in further legal action. I expect a response and resolution to this matter within the timeframe established by the Fair Credit Reporting Act ( FCRA ), and a copy of the deleted account and a copy of procedure of verification. \n\nID and proof of current address is uploaded below","date_sent_to_company":"2024-05-31T12:21:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34638","tags":null,"has_narrative":true,"complaint_id":"9149014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-31T11:59:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The current practice of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in continuously reporting these charged-off accounts is in direct contradiction to these guidelines and further exacerbates the inaccuracies on my consumer reports. \n\n<em>XXXX</em>. Impact of the Equifax <em>Data</em> <em>Breach</em> : The Equifax <em>data</em> <em>breach</em> has <em>compromised</em> the integrity and security of my personal information."]},"sort":[13.293921,"9149014"]},{"_index":"complaint-public-v1","_id":"9146414","_score":12.108351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the inaccurate and unlawful reporting of multiple charged-off accounts by XXXX XXXX XXXX XXXX on my consumer reports. My consumer reports have erroneously noted multiple late payments and inaccurately calculated charged-off amounts. These inaccuracies are in violation of numerous consumer protection laws, and I Demand Immediate rectification and Deletion of these incorrect entries.\n\n1. Continuous Reporting of Charged-Off Accounts and Late Payments : Under 15 U.S. Code 1681s2 ( a ), there is a clear duty for furnishers of information to provide accurate information. The continuous reporting of charged-off accounts with inaccurate amounts each month constitutes a violation of this section. Charged-off accounts are, by definition, \" dead '' accounts. Therefore, the amounts should not fluctuate once charged off. The continuous addition to the charged-off amount is inaccurate and misleading. \n\nFurther, the reporting of late payments on charged-off accounts is incorrect. A charged-off account is no longer an active credit account ; hence, it should not report late payments continuously. According to 15 U.S. Code 1681a, a consumer report does not include information about transactions or experiences between the consumer and the person making the report, except in cases of current credit relationships. Since the account has been charged off and is no longer an active credit relationship, the continuous reporting of late payments is inaccurate and misleading.\n\n2. Duty to Provide Notice of Delinquency : Pursuant to 15 U.S. Code 1681s2 ( a ) ( 7 ), creditors are required to notify credit reporting agencies when an account is delinquent. However, the repeated monthly reporting of the same delinquency as if it were a new delinquency each month is not only redundant but also a misrepresentation of the actual status of the account. \n\n3. Accuracy and Verification Failures : Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continuous inaccuracies in the reporting of my charged-off accounts, including differing information across the three consumer reporting agencies, demonstrate a failure to uphold this legal requirement. Furthermore, 15 U.S. Code 1681i ( a ) mandates that consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite my numerous requests for verification, I have yet to receive any adequate response or evidence of a proper investigation. \n\n4. Reporting of Personal Information Without Consent : The reporting of my personal information, including account numbers, without my explicit consent is a violation of my privacy rights. 15 U.S. Code 1681b outlines permissible purposes for the furnishing of consumer reports, and reporting personal account information without consent falls outside these permissible purposes. \n\n5. IRS Guidelines on Charged-Off Accounts : According to IRS guidelines , charged-off accounts are considered \" canceled debt '' and are typically reported as income on a Form 1099-C. These accounts should not be reported as active debts on a consumer 's report once they have been charged off. The current practice of XXXX XXXX XXXX XXXX in continuously reporting these charged-off accounts is in direct contradiction to these guidelines and further exacerbates the inaccuracies on my consumer reports. \n\n6. Impact of the XXXX XXXX XXXX : The XXXX data breach has compromised the integrity and security of my personal information. This breach not only affects XXXX but also raises concerns about the accuracy and safety of my information with all three major consumer reporting agencies. This breach undermines the integrity of the credit reporting system as a whole. Given the breach, it is even more critical that my information is handled with the utmost care and accuracy, which has evidently not been the case. \n\nDemand for Immediate Deletion : In light of these significant and numerous violations, I demand the immediate deletion of all inaccurate and unlawful information related to the charged-off accounts from my consumer reports. The continued reporting of these inaccuracies is causing me undue distress, damaging my credit, and hindering my ability to move forward in life. \n\nI urge XXXX XXXX XXXX XXXX and the reporting agencies to rectify these inaccuracies promptly and ensure compliance with consumer protection laws. Failure to do so will result in further legal action. I expect a response and resolution to this matter within the timeframe established by the Fair Credit Reporting Act ( FCRA ), and a copy of the deleted account and a copy of procedure of verification. \n\nID and proof of current address is uploaded below","date_sent_to_company":"2024-05-31T12:21:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34638","tags":null,"has_narrative":true,"complaint_id":"9146414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-31T12:21:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The current practice of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in continuously reporting these charged-off accounts is in direct contradiction to these guidelines and further exacerbates the inaccuracies on my consumer reports. \n\n6. Impact of the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : The <em>XXXX</em> <em>data</em> <em>breach</em> has <em>compromised</em> the integrity and security of my personal information. This <em>breach</em> not only affects <em>XXXX</em> but also raises concerns about the accuracy and safety of my information with all three major consumer reporting agencies."]},"sort":[12.108351,"9146414"]},{"_index":"complaint-public-v1","_id":"9146413","_score":12.093042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the inaccurate and unlawful reporting of multiple charged-off accounts by XXXX XXXX XXXX XXXX on my consumer reports. My consumer reports have erroneously noted multiple late payments and inaccurately calculated charged-off amounts. These inaccuracies are in violation of numerous consumer protection laws, and I Demand Immediate rectification and Deletion of these incorrect entries. 1. Continuous Reporting of Charged-Off Accounts and Late Payments : Under 15 U.S. Code 1681s2 ( a ), there is a clear duty for furnishers of information to provide accurate information. The continuous reporting of charged-off accounts with inaccurate amounts each month constitutes a violation of this section. Charged-off accounts are, by definition, \" dead '' accounts. Therefore, the amounts should not fluctuate once charged off. The continuous addition to the charged-off amount is inaccurate and misleading. Further, the reporting of late payments on charged-off accounts is incorrect. A charged-off account is no longer an active credit account ; hence, it should not report late payments continuously. According to 15 U.S. Code 1681a, a consumer report does not include information about transactions or experiences between the consumer and the person making the report, except in cases of current credit relationships. Since the account has been charged off and is no longer an active credit relationship, the continuous reporting of late payments is inaccurate and misleading. 2. Duty to Provide Notice of Delinquency : Pursuant to 15 U.S. Code 1681s2 ( a ) ( 7 ), creditors are required to notify credit reporting agencies when an account is delinquent. However, the repeated monthly reporting of the same delinquency as if it were a new delinquency each month is not only redundant but also a misrepresentation of the actual status of the account. 3. Accuracy and Verification Failures : Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continuous inaccuracies in the reporting of my charged-off accounts, including differing information across the three consumer reporting agencies, demonstrate a failure to uphold this legal requirement. Furthermore, 15 U.S. Code 1681i ( a ) mandates that consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Despite my numerous requests for verification, I have yet to receive any adequate response or evidence of a proper investigation. 4. Reporting of Personal Information Without Consent : The reporting of my personal information, including account numbers, without my explicit consent is a violation of my privacy rights. 15 U.S. Code 1681b outlines permissible purposes for the furnishing of consumer reports, and reporting personal account information without consent falls outside these permissible purposes. 5. IRS Guidelines on Charged-Off Accounts : According to IRS guidelines , charged-off accounts are considered \" canceled debt '' and are typically reported as income on a Form 1099-C. These accounts should not be reported as active debts on a consumer 's report once they have been charged off. The current practice of XXXX XXXX XXXX XXXX in continuously reporting these charged-off accounts is in direct contradiction to these guidelines and further exacerbates the inaccuracies on my consumer reports. 6. Impact of the XXXX XXXX XXXX : The XXXX data breach has compromised the integrity and security of my personal information. This breach not only affects XXXX but also raises concerns about the accuracy and safety of my information with all three major consumer reporting agencies. This breach undermines the integrity of the credit reporting system as a whole. Given the breach, it is even more critical that my information is handled with the utmost care and accuracy, which has evidently not been the case. Demand for Immediate Deletion : In light of these significant and numerous violations, I demand the immediate deletion of all inaccurate and unlawful information related to the charged-off accounts from my consumer reports. The continued reporting of these inaccuracies is causing me undue distress, damaging my credit, and hindering my ability to move forward in life. I urge XXXX XXXX XXXX XXXX and the reporting agencies to rectify these inaccuracies promptly and ensure compliance with consumer protection laws. I must express my disappointment in TransUnion 's handling of this dispute. Despite providing ample evidence and documentation, TransUnion has chosen to focus on trivial matters such as address verification, instead of addressing the substantive issues at hand. This diversionary tactic is unacceptable, and I will not hesitate to pursue legal action if necessary. I expect a response and resolution to this matter within the timeframe established by the Fair Credit Reporting Act ( FCRA ), and a copy of the deleted account and a copy of procedure of verification. \n\nID and proof of current address is uploaded below","date_sent_to_company":"2024-05-31T12:27:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34638","tags":null,"has_narrative":true,"complaint_id":"9146413","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-31T12:22:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The current practice of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in continuously reporting these charged-off accounts is in direct contradiction to these guidelines and further exacerbates the inaccuracies on my consumer reports. 6. Impact of the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : The <em>XXXX</em> <em>data</em> <em>breach</em> has <em>compromised</em> the integrity and security of my personal information. This <em>breach</em> not only affects <em>XXXX</em> but also raises concerns about the accuracy and safety of my information with all three major consumer reporting agencies."]},"sort":[12.093042,"9146413"]},{"_index":"complaint-public-v1","_id":"18134148","_score":11.832341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Consumer Complaint and Request for Reinvestigation, Identity-Theft Blocking, and Method of Verification Barclays Bank Delaware Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, My name is XXXX XXXX XXXX My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. My email is XXXX and my telephone number is XXXX. I am submitting this correspondence as a unified complaint and formal notice for use with the Consumer Financial Protection Bureau, the Federal Trade Commission, XXXX XXXX, and Barclays Bank Delaware regarding ongoing identity theft, inaccurate credit reporting, and deficiencies in the handling of my disputes concerning Barclays Bank Delaware account number XXXXXXXX XXXX XXXX XXXX XXXX  as reported by XXXX. \nI have been actively disputing this account since XXXX. During this time, I have submitted FTC Identity Theft Reports, multiple police reports across jurisdictions, and written disputes explaining that this account is the result of identity theft. Despite this extensive documentation and the length of time the dispute has been pending, XXXX continues to report the account and has stated that the information was verified as accurate. Based on the content of the reporting and the manner in which the dispute has been addressed, I am requesting immediate corrective action, a documented reinvestigation, written disclosure of the method of verification, and appropriate application of identity-theft protections under federal law. \nThis complaint is grounded in the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ), 1681i ( a ) ( reasonable reinvestigation of disputed information ), and 1681c-2 ( blocking of information resulting from identity theft when proper documentation is provided ). It also raises concerns regarding the continued reporting of information that appears materially misleading after repeated disputes and requests for clarification. Courts have recognized that credit reporting agencies must conduct more than superficial or automated confirmations when a consumer disputes information with specificity and supporting documentation, and that reporting may be actionable when it creates a materially misleading impression even if some data points are technically correct. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX  ). \nAs currently reported by XXXX, the Barclays tradeline reflects the following : Date Opened XX/XX/XXXX ; Balance {$2600.00} ; Pay Status Charged Off ; Responsibility Individual Account ; Date Updated XX/XX/XXXX ; Terms Paid Monthly ; Payment Received XX/XX/XXXX ( {$0.00} ) ; Date Closed XX/XX/XXXX ; Loan Type Flexible Spending ; Last Payment Made XX/XX/XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and again in XX/XX/XXXX ; Account Type Revolving/Credit Card ; High Balance {$2600.00} ; Original Charge-off {$1900.00} ; Credit Limit {$2000.00} XXXX XXXX Due {$2600.00} ; Remarks indicating dispute investigation complete and unpaid balance charged off ; and an estimated removal date of XX/XX/XXXX with monthly C/O statuses continuing into XXXX. \nWithin this reporting, there are multiple internal inconsistencies that reasonably warrant a heightened, document-based reinvestigation rather than a conclusory verified outcome. These include, without limitation, the reported balance exceeding the reported credit limit ; the original charge-off amount not reconciling with the reported balance and past-due amount ; the reporting of the full balance as past due after the account is described as charged off and closed ; the presence of Terms : Paid Monthly on an account simultaneously reported as closed and charged off ; the reporting of a payment received in the amount of {$0.00} paired with a last payment made date ; the reporting of maximum delinquency of 120 days in multiple non-consecutive months ; and the continued monthly reporting of charge-off statuses through XXXX on an account reportedly closed in XX/XX/XXXX. Taken together, these data points create a reporting profile that is at minimum confusing and potentially misleading to users of the report and therefore requires careful review and reconciliation. \nThe tradeline is also described as an unpaid balance charged off, yet I have never received a Form 1099-C and have not been provided any documentation showing how this account has been treated for tax or accounting purposes. While I understand that charge-off and cancellation of debt are not identical in all circumstances, the combination of a charge-off designation, ongoing balance and past-due reporting, and the absence of any explanation or documentation supporting that treatment further underscores the need for a written clarification supported by underlying records. \nThis dispute must also be considered in the context of identity theft and widespread exposure of my personal information through major data breaches. I have been impacted by multiple breaches, including XXXX XXXXXXXX ( XX/XX/XXXX ), and XXXXXXXX. The accounts reported opening date of XX/XX/XXXX falls within the broader time period during which compromised personal data has been widely exploited, and XXXX  itself has publicly acknowledged data-security incidents affecting consumer information. This context heightens the importance of a careful and transparent reinvestigation when identity theft has been repeatedly asserted and documented. \nIf Barclays contends that this account is properly attributable to me notwithstanding my identity-theft reports and notwithstanding the documented data breaches affecting XXXX, its third-party data ecosystem, and its telecommunications affiliate relationships, including XXXX widely reported XX/XX/XXXX breach, I respectfully request that Barclays provide a clear, written explanation of the basis for that position. This should include any signed application or authenticated electronic assent, complete account-opening records, evidence of consumer authorization, and documentation sufficient to reconcile the reported credit limit, balance, original charge-off amount, past-due amount, payment fields, and delinquency history. I further request a written explanation of how the accounts charge-off status is being reported while the balance remains shown as fully owed, and clarification regarding any related tax or accounting treatment. \nAccordingly, I respectfully request the following actions and written responses : a renewed reasonable reinvestigation under 15 U.S.C. 1681i ( a ) that includes review of underlying account-level documentation rather than automated confirmation ; application of identity-theft blocking procedures consistent with 15 U.S.C. 1681c-2 if my submitted documentation meets statutory requirements ; a written disclosure of the complete method of verification used for XXXX prior verified as accurate determination, including the name, address, and telephone number of the furnisher contacted, the specific information relied upon, and whether documentary records were reviewed ; written confirmation of the true Date of First Delinquency used for obsolescence calculations and confirmation that no impermissible re-aging has occurred, consistent with 15 U.S.C. 1681c ( a ) ( 4 ) ; and correction or deletion of the tradeline if the information can not be substantiated or reconciled to reflect maximum possible accuracy. \nI respectfully request that this matter be reviewed with the seriousness appropriate for an identity-theft dispute that has been pending since XXXX with repeated submissions of FTC and law-enforcement documentation. I am seeking a prompt, accurate, and well-documented resolution and appreciate receiving all responses in writing so that a clear record may be maintained for regulators. \nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX","date_sent_to_company":"2025-12-18T06:46:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"18134148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-12-18T06:46:15.000Z","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":["This dispute must also be considered in the context of identity theft and widespread exposure of my personal information through major <em>data</em> <em>breaches</em>. I have been impacted by multiple <em>breaches</em>, including <em>XXXX</em> XXXXXXXX ( XX/XX/<em>XXXX</em> ), and XXXXXXXX. The accounts reported opening date of XX/XX/<em>XXXX</em> <em>falls</em> <em>within</em> the broader time period during <em>which</em> <em>compromised</em> personal <em>data</em> has been widely exploited, and <em>XXXX</em>  itself has publicly acknowledged <em>data</em>-security incidents affecting consumer information."]},"sort":[11.832341,"18134148"]},{"_index":"complaint-public-v1","_id":"11391126","_score":8.851263,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am deeply concerned about the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my fundamental right. Kindly provide me with all available details regarding the lapses in accuracy and compliance. \nI have zero tolerance for negative information, certified or not. My utmost concern lies in the verifiable facts and truths regarding your company and the data pertaining to my credit profile. The erroneous credit report I received raises surprise as it should align with the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and accurate document, presenting evidence for each claim. The XXXX XXXX highlights that any deviation from these standards jeopardizes data integrity, which is a matter of utmost seriousness. Failure to follow these standards could compromise the integrity of your data. \nListed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 following personal information is incorrect- The personal data reporting is inaccurate. \nI am writing to request that you kindly update your records regarding my account with your organization, which is held under the name of Employer and bears the account number XXXX AND XXXX. It has come to my attention that the current information in your records is inaccurate and falls below the acceptable standard of accuracy. \nI humbly urge you to take prompt action to rectify this matter as inaccurate data can have severe consequences and could lead to legal action against both of us. I would like to remind you that any erroneous information on my credit report or in your records is unacceptable and must be removed without any delay. \nIncorrect Name : - XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \nIncorrect Name : - XXXX XXXX XXXX I wish to draw your attention to the utmost significance of maintaining current and accurate records within your organization. Regrettably, I have discerned certain inconsistencies within your database, wherein certain names deviate from the precise personal information I have furnished in this communication. Consequently, I respectfully implore the expeditious correction of any such discrepancies to uphold the veracity and completeness of your data repository. It is imperative that the information retained accurately reflects my identity, which exclusively comprises the name XXXX XXXX XXXX. Your swift intervention in rectifying this matter would be sincerely valued, as it will avert any further inconvenience or dissatisfaction. \nIncorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \nIt is of utmost importance that your personal information in our records is current, precise, and readily verifiable. In order to comply with the standards set forth by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX, it is imperative that we possess the appropriate documentation for your credit profile. To ensure adherence to these regulations, I kindly request that you expeditiously remove any address within your system that does not correspond with my specified address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. Your cooperation in rectifying this matter promptly is highly appreciated. \nIncorrect DOB : - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. \nIncorrect DOB : - XXXX Upon thorough examination of the erroneous field, I wish to bring to your attention that the supplied data does not align with the specified requirements. It regrettably lacks precision and does not conform to the essential guidelines. In accordance with my understanding, it is imperative that all fields strictly adhere to the XXXX XXXX standards, with no allowances for deviations. Consequently, I respectfully request the expeditious rectification of this account, as the incomplete, unverified, and inaccurate information has the potential to exert a financial impact on my part. \nIncorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \nI hope this message finds you well. I am writing to inform you about a potential deviation from required reporting standards in my account, Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX. I have noticed a discrepancy between my provided address at XXXX XXXX XXXX, XXXX, f ', XXXX and certain listings in your records. I kindly request your immediate attention to rectify this situation by promptly deleting any inaccurate listings. Ensuring the accuracy of my information is crucial, and I expect a swift resolution. \nXXXX XXXX XXXX XXXX  This is XXXX formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and unverifiable information reported on my credit file bXXXX XXXX XXXX XXXXL with account XXXX XXXX I demand an immediate investigation into the reported inaccuracies and expect either full verification or removal of the erroneous information.Upon reviewing the details of the account, I found several issues that directly violate FCRA standards : XXXX. The account is listed with a high balance of {$1.00} XXXX and a negative status, but no supporting documentation has been provided to validate the legitimacy of these claims. XXXX. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) conflict with the reported status and history, indicating incomplete or inaccurate reporting. XXXX. Comments stating, \" Transferred to another lender or claim purchased, '' lack specificity and verification, raising doubts about the accuracy of the information being reported.- Under FCRA XXXX XXXX, I have the right to dispute information I believe to be inaccurate. You, as the XXXX XXXX XXXX, are required to : XXXX. XXXX a thorough investigation of this account, including obtaining full verification from the original creditor or any party that currently owns this account. XXXX. Remove or correct any information that can not be fully verified as accurate, complete, and up-to-date.lf the investigation fails to produce original supporting documentation proving the accuracy of this information, I demand its immediate removal from my credit report. Failure to comply with these requirements within the XXXX investigation period mandated by the FCRA will XXXX in formal complaints filed with the Consumer Financial Protection Bureau XXXX CFPB ) and other regulatory bodies, as well as potential legal action for damages caused by inaccurate reporting. \nThe account attributed to XXXX XXXX XXXX bearing the displayed account number XXXX on my report lacks compelling evidence to support its validity, accuracy, and completeness, let alone its certification as compliant with established industry standards. It is crucial to acknowledge that the XXXX XXXX XXXX XXXX ( XXXX ) itself has insinuated or explicitly stated that any deviation from the law or recognized credit reporting standards renders a claim deficient. Therefore, it becomes imperative to remove any and all such claims from the report and refrain from reintroducing them unless their lawful compliance with all necessary requirements for accurate reporting can be proven. This course of action must be taken, irrespective of any perceived misapplication, willful ignorance, or negligent disregard on your part concerning your reporting practices and claims. It is essential to highlight any deviations, including but not limited to the following deficiencies, as justifiable grounds for the appropriate elimination of the claim 's reportability. \nXXXX XXXX XXXX XXXX - XXXX This account is inaccurately reporting late payments on multiple bureaus. The discrepancies in the payment status XXXX, Experian, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also display inconsistency in reporting activity date. - This is paid as agreed and should not be reporting negatively on my report. I am disputing the accuracy of this account under 15 USC 1681 i. Please update the late payments to \" Paid as agreed, never late, '' in accordance with 15 USC 1681 e ( b ). The account must be corrected across all three bureaus, or it should be removed due to incomplete and inaccurate reporting. Failure to correct these discrepancies violates 15 USC 1681 i ( 5 ). If the issues are not resolved, the account should be deleted. \nXXXX XXXX XXXX XXXX - XXXX I kindly address the alleged delinquency and/or derogatory claim ( XXXX ) outlined above, which, as reported, lack the minimal mandatory document proof required to certify the current compliant reporting of negative information. These claims must be physically verified, confirmed, and shown to be factually accurate, correct, timely, complete, and beyond doubt. Due to this deficiency, I insist on the immediate and comprehensive removal of all alleged negative aspects, in order to restore and uphold the ethical and legal reporting standards prescribed by adequate consumer credit reporting practices. \nXXXX XXXX XXXXXXXX Let me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). \nI am writing to bring to your attention the incomplete, inaccurate, and unverified information provided to me concerning my XXXX with XXXX. I have carefully reviewed the information, and it is evident that the data has not been verified for accuracy, completeness, timeliness, and validation, which are critical reporting standards and consumer laws. \nTo ensure compliance with these requirements, I am requesting that you provide documented proof of compliance. The information provided thus far is insufficient and contains inaccuracies, incompleteness, and unverified claims. \nTherefore, I must insist that you immediately remove any information that is imperfect, inaccurate, incomplete, or unverified. It is essential that all information provided is accurate and verified to avoid any preventable issues down the road. \nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX The account is listed as \" closed '' by XXXX and XXXX, but \" open '' by Experian. The inconsistency in reporting violates FCRA 15 USC 1681e ( b ), which mandates that credit bureaus report only accurate and consistent informartion. - This is account is inaccurately reporting late payments, and discrepancies in reporting the across bureaus violate 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. The \" XXXX XXXX '' issue reflects inconsistent data between XXXX, Experian, and XXXX, which is legally required to be fully accurate and consistent. \nI am writing to express my dissatisfaction regarding the compliance reporting standards and relevant consumer laws related to my XXXX XXXXXXXX XXXX XXXX with XXXX. Despite my requests, I have not received any documented evidence of compliance, which is a significant concern. \nI would like to request that you take immediate action to remove the flawed and incorrect report or provide the necessary documentation to comply with legal requirements. Failure to do so may result in legal action being taken against your organization.\n\nIt is crucial that we are aware of the necessary documentation required to review and avoid being caught off guard later on. The lack of accurate information can lead to preventable issues down the road, and it is essential that we address this matter with the utmost urgency. \nXXXX XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across XXXX, Experian, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - I have not received any documentation validating the legitimacy of this debt or confirming the details reported. Under FCRA 15 USC 1681 i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my report. If the credit bureau can not substantiate this account 's accuracy, I expect to be removed immediately I am writing to express my sincere disappointment with the current state of the information pertaining to XXXX XXXX XXXX and XXXX in your database. Regrettably, it has come to my attention that the data is not up-to-date and fails to meet the essential criteria of accuracy as expected. I urge you to address this matter urgently, as failure to do so promptly may necessitate the initiation of legal proceedings. It is imperative to emphasize that inaccurate and flawed information has no rightful place in your database or on my credit report. I therefore kindly request the immediate removal of such erroneous data. \nXXXX - XXXX Let me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. \nI hereby bring to your attention the matter concerning the data pertaining to XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not undergone any certification process to validate its adherence to established reporting standards. Consequently, it can not be guaranteed that the included information is accurate, current, or comprehensive in nature. Moreover, it is essential to recognize that this data may be incomplete, outdated, or lacking in proper support. In light of these circumstances, I kindly request the removal of any inaccurate or unsupported content from the aforementioned page. \nXXXX XXXX XXXX - XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. \nKindly be advised that the information presented for XXXX XXXX XXXX linked to XXXX XXXX has not undergone certification to conform to recognized reporting standards. It is imperative to acknowledge that this data might be incomplete, outdated, or unsupported. Thus, I respectfully request the removal of any inaccurate or unsupported material from this page to ensure accuracy and reliability. Your prompt attention to this matter would be greatly appreciated. \nXXXX XXXX XXXX - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.\n\nAdditionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681 e ( b ), which mandates maximum possible accuracy in credit reporting. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. \nI would like to bring to your attention that the account identified as XXXX XXXX XXXX - XXXX has been reported as an unconfirmed alleged COFF. It appears that you have provided a section of a credit report that pertains to this account number. According to the report, the account is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data that is being reported. It is worth noting that the report underscores the importance of strictly adhering to the established standards for reporting data fields, including the account number. \nXXXX XXXX XXXXXXXX This account is reporting inconsistencies in reporting is a violation of FCRA 15 USC 1681e ( b ), which requires credit bureaus to report only accurate and consistent information. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 16810, 15 USC 1681i5, 15 USC 1681eb. \nI would like to express my profound disappointment and concern regarding the information provided for XXXX XXXX - XXXX. It is disheartening to discover that the data in question has not undergone the necessary certification to meet established reporting standards. Consequently, there is no assurance of its accuracy, currency, or completeness. Furthermore, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. In light of these significant shortcomings, I kindly request the immediate removal of any incorrect or unsupported material from this page, as it fails to meet the expected standards and undermines the integrity of the information provided. \nXXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. \nI must express my deep disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant. I demand the immediate deletion of this flawed and inaccurate report, as your company 's failure to meet legal requirements in these matters may result in legal action. It is crucial that we are aware of the content presented in documentaries to avoid being unprepared for potential future issues. These issues could have been prevented if those with knowledge had prioritized accuracy over convenience, leaving behind even a single piece of evidence. \nXXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws XXXX XXXX XXXX681 i, 15 USC 16810, 15 USC 1681i5, 15 USC 1681eb. \nXXXX - XXXX, I must express my profound disappointment and concern over the absence of certification for the data presented, making it unfit to comply with any established reporting standards. It is important to note that this information appears to be incomplete, outdated, or lacking proper validation. Regrettably, I must insist on the timely removal of any erroneous or unsupported content from this page to ensure the accuracy and credibility of the data provided. Your prompt attention to this matter would be greatly appreciated. \nXXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information related to XXXX XXXX XXXX with account number XXXX as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation into this matter and prompt correction or removal of the erroneous information. This account is reported as {$1.00} XXXX past due with comments stating, \" Medical Subject has not satisfied debt. '' However, this reporting contains several inaccuracies and violations of the FCRA : XXXX. The balance and high balance amounts are inconsistent and unverified. XXXX. The reporting fails to provide specific details about the original creditor, making it impossible to verify the legitimacy of this account. XXXX. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) do not align logically with the account 's status.Under FCRA XXXX XXXX i, credit reporting agencies must ensure that all reported information is accurate, verifiable, and complete. Moreover, under FCRA XXXX XXXX XXXX ( b ), you are obligated to use reasonable procedures to ensure maximum possible accuracy of all information reported. - I demand that you : XXXX. Verify the accuracy of this account by obtaining complete and original documentation directly from the original creditor. XXXX. If this account can not be fully verified as accurate, complete, and compliant with the FCRA, you must delete it from my credit report immediately.Please note that failure to resolve this dispute will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to take legal action for damages caused by inaccurate reporting. \nI trust you are well. I wish to express my disappointment regarding the data provided under XXXX XXXX XXXX - XXXX. Regrettably, this information has not been certified to comply with reporting standards. Furthermore, it appears to be incomplete, outdated, or unsupported. Therefore, I kindly request the removal of any erroneous or unsupported content from this page. \nXXXX XXXX  XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. \nI hope this message finds you well. I am writing to bring to your attention a matter concerning the data provided under XXXX XXXX  XXXX. Regrettably, I must express my disappointment as the data appears to lack certification for meeting any reporting standards. It is crucial to emphasize that this information may be incomplete, outdated, or unsupported, which raises concerns about its reliability and accuracy. Therefore, I kindly request that any erroneous or unsupported material be promptly removed from this page. Your attention to this matter would be greatly appreciated. \nXXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report under the FCRA ( 15 U.S.C. S 1681 ). The account in question, identified as [ Account Name : XXXX XXXX XXXX ] with the account number [ Last XXXX Digits : XXXX ] **, contains errors that must be corrected or removed immediately.Specifically, this account is reporting : XXXX. A balance of {$1.00} XXXX listed as past due, even though the details do not align with my records. XXXX. Inconsistent and unverifiable dates between \" last activity, '' \" date closed, '' and \" last reported, '' which cast doubt on the accuracy of the reporting. XXXX. Negative status across multiple credit bureaus without sufficient evidence to substantiate the claim.Under the FCRA, you are required to report only accurate and fully verified information. I demand the following actions : 1. Verify the legitimacy of this account by obtaining original documentation directly from the original creditor. Merely verifying it with the current debt holder does not satisfy FCRA requirements. 2. If the accuracy of this information can not be fully validated, you are obligated under FCRA S 1681i to promptly delete it from my credit report.Be advised that failure to correct this error may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I reserve the right to pursue legal action to protect my credit profile. - I request a written response confirming your investigation and any changes made to my credit report. Per the FCRA, you have 30 days from the receipt of this dispute to complete your investigation and respond.Please find enclosed copies of my credit report excerpts highlighting the disputed information for your reference. \nWe regret to inform you that the account associated with the account name XXXX XXXX XXXX and account number XXXX has been found to exhibit inconsistencies among the three credit reporting agencies. It is imperative to note that any kind of disparity, inadequacy, inaccuracy, or exclusion of the reported details is considered a discrepancy from the standardized XXXX XXXX Data-filled Field Formatted reporting compliance regulations, which is mandatorily adhered to by the reporting industry. Any deviation from this protocol is an act that compromises the data 's integrity, as clearly stated in the XXXX XXXX XXXX. Therefore, the authenticity of the disputed reported item is legally questionable until there is irrefutable evidence of the accuracy, completeness, timeliness, and physical verification of all aspects of the claim. This is particularly significant if the reported item is not fully compliant with the XXXX XXXX formatted industry requirements, as mentioned above, and could jeopardize the data 's integrity. We kindly request you to investigate the following suspect reported data fields of the contested reported item of injury, taking into account the above mentioned discrepancies. \nXXXX XXXX XXXXXXXX Let me be perfectly clear : l, XXXX XXXX, NEVER XXXX XXXX, Experian, XXXX XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ).\n\nI must express my disappointment and concern regarding the data presented under XXXX XXXX XXXX. Regrettably, it appears that the information has not been certified to meet any reporting standards, and furthermore, it XXXX be incomplete, outdated, or unsupported. Therefore, I kindly request the immediate removal of any incorrect or unsupported material from this page. \nXXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681 i, 15 USC 16810, 15 USC 1681i5, 15 USC 1681eb. \nXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX regretfully express my dismay and concern regarding the data presented above, which regrettably lacks the necessary certification to meet essential reporting standards. It is important to highlight that this information may potentially be incomplete, outdated, or without proper substantiation. In the interest of accuracy and credibility, I kindly request the prompt removal of any erroneous or unsupported content from this page to ensure the integrity of the provided information. \nXXXX XXXX XXXX - XXXX I am writing to formally dispute the erroneous and unverifiable information appearing on my credit report under the name XXXX XXXX XXXX, with account number XXXX pursuant to the Fair Credit Reporting Act ( 15 U.S.C. S 1681 ) .The following issues with this account render its reporting invalid and demand immediate investigation and correction : 1. The reported past-due balance of {$690.00} is inaccurate, unverified, and inconsistent across the information provided by different credit bureaus. 2. Discrepancies in dates such as \" Last Activity '' and \" Last Reported '' make it clear that this account 's reporting has not been properly maintained or verified. 3. Comments such as \" Collection/Chargeoff ' and \" Account Seriously Past Due '' are unsubstantiated and violate FCRA requirements for accuracy and complete verifiability.Under FCRA S 1681i, you are required to : Conduct a thorough investigation to verify the accuracy of this account. This verification must include original documents from the original creditornot information merely passed along by XXXX XXXX XXXX. Correct or delete any information that can not be fully verified. - If you are unable to validate the accuracy and legitimacy of this account, I demand its immediate deletion from my credit report to prevent further harm to my creditworthiness.Please note that failure to comply with this formal dispute within the 30-day investigation period mandated by the FCRA will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law.Attached are copies of my credit report highlighting the disputed account for your convenience. I expect written confirmation of your findings and any corrective actions taken at the conclusion of your investigation.SEE ATTACH","date_sent_to_company":"2025-01-05T21:34:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"11391126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-05T21:17:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>XXXX</em> <em>XXXX</em> highlights that any deviation from these standards jeopardizes <em>data</em> integrity, <em>which</em> is a matter of utmost seriousness. Failure to follow these standards could <em>compromise</em> the integrity of your <em>data</em>."]},"sort":[8.851263,"11391126"]},{"_index":"complaint-public-v1","_id":"18823632","_score":8.035259,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is DIFFERENT ISSUE. This COMPLAINT Is for Elder Financial Exploitation, Violation of Consumer protection rights/ Failure to recognize POA on file, Failure to provide provisional credit and Privacy Breach Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Perpetrator info : Known name is XXXX XXXX XXXX XXXX to police on XX/XX/XXXX Total Loss : $ {$13000.00} + XXXX ( online and In store purchases + ATM/In Bank transactions ) COMPLAINT Subject : Urgent - Elder Financial Exploitation, Violation of Consumer protection rights/Improper Investigation, Failure to recognize POA on file, Privacy Breach I am filing a complaint against Wells Fargo on behalf of my XXXXyear-old mother who has XXXX XXXX XXXX XXXX XXXX XXXX XXXX Her account was targeted by a known perpetrator, XXXX XXXX, who gained access to the home, obtained my mother 's debit card/PIN, and stole over {$15000.00} over a XXXX years period. \nI, the XXXX, was bedridden during this period of time due to XXXX illness and could not review statements, a circumstance that falls under exceptions to the XXXX reporting rule. As soon as I was able to review the statements, and discovered fraud I filed a police report ( Case XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraud claims with Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Also, I filed on XX/XX/XXXX ' a Request for Preservation of Evidences with WF XXXX Department. However, Wells Fargo denied claims for transactions made online ( {$13000.00} appr./ And for ATM, inBank withdrawals ( {$1600.00} ATM ) stating that because the PIN was used, the transactions were authorized. This is a denial of reality, as the card was stolen/compromised, and the victim is medically incapacitated. Not saying that suspect is known and police is involved, which directly contradicts the bank 's assertion of \" permission ''. Furthermore, the bank refused to acknowledge my valid POA on file stating that my name is not listed on my mother 's debit card by thus preventing me from handling this fraud in an efficient manner, and demanded I go to a branch despite being told on multiple occasions I am XXXX \nFailure to Properly Investigate & Recognize Elder Abuse : Wells Fargo denied the claims simply because the PIN was used, insisting my mother or someone she knows permitted the usage. Given her XXXX XXXX XXXX she is legally incapable of authorizing such transactions. The bank failed to recognize obvious signs of elder financial exploitation either. \nAdditionally, the bank assertion that my mother authorized transactions totaling over {$15000.00} between XX/XX/XXXX and XX/XX/XXXX is incorrect and feels like a spit in face because I stated many times to the Claims rep.what my mother 's and my own medical conditions were and also stated that In my previous complaints. I can repeat again : My mother suffers from XXXX XXXX, diagnosed by XXXX XXXX in XXXX, XXXX. A copy of the medical diagnosis was sent to bank on multiple occasions and also is enclosed for your review. Due to this condition, ( in case if my mother would indeed authorized those transactions ) she would lacked the XXXX XXXX to understand and or authorize the use of her funds. The transactions were made by XXXX, XXXX XXXX, who had access to house, stole the information from the card and used it for online purchases and used a card itself in person which constitutes financial exploitation as defined under XXXX XXXX XXXX XXXX. I previously filed claims for fraud with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but claims were denied based on the FALSE assumption of consent. Even more, under XXXX ( b ) ( XXXX ). Negligence by the consumer CAN NOT be used as the basis for imposing greater liability than it is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. I can repeat again, the card ( it's information ) was stolen and physical card was used by XXXX for ATM and inBank withdrawals ( I am assuming that it was taken out of my mother 's purse, and placed back after it's use without my mother noticing it ), I also did not use my mother 's card due to being .medically incapacitated at the time the transactions were made and due to fact that I am not an authorized user on my mother 's account. \nFailure to Monitor/Stop Suspicious Activity : The bank failed to trigger fraud alerts despite large, unusual transactions ( {$1000.00} and {$5000.00} online purchases ) that deviated completely from her history of spending less than {$200.00} a month. \nXXXX. Misrepresentation of Regulation E Rights : Wells Fargo lied in its denial letter, stating if even I submit my mother 's and my own medical records proving extenuating circumstances, they can not recover funds due to their system not allowing to enter into database late claims, and/or process chargebacks beyond XXXX  days. While the XXXX rule exists, financial institutions have flexibility regarding extenuating circumstances, particularly when incapacity prevents earlier reporting.See XXXX. XXXX ( b ). \nXXXX. Under Regulation E, if Wells Fargo fails to properly investigate a claim within XXXX business days it requires to provide a professional credit.In order to avoid it WF simply closed claims citing that cardholder did authorize transactions. It seems that it is Wells Fargo 's habit to deny legitimate claims to their customers without investigating It by thus violating consumer protection rights and law and shifting liability to a consumer. As you can see on Wells Fargo Denial Letter to another person they employed a the identical language such as \" it was made by you or someone who had your permission. Consider your claim closed \". From XX/XX/XXXX till present time XXXX XXXX failed to properly investigate the claims stating that transactions were authorized because PIN was used despite that facts suggests otherwise, that it was a theft and fraud and that I sent a police report on multiple occasions, still Wells Fargo declines to provide me with a proof of authorization such as communication records which would show that my mother or someone on her behalf gave her consent and/or IP address which would show what location the transactions were originated from or what device was used for making the transactions, or signed slips for InBank withdrawals XXXX that a Request for Evidences Preservation was sent on XX/XX/XXXX ', and the case is in law enforcement 's working progress. If Wells Fargo made investigation as it is required by the Law, it would revealed that ALL online transactions were made from IP which shows a location in XXXX XXXX, the city where XXXX resides. Or, if Wells Fargo would Inquire an online merchants listed on bank statements such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who online merchant 's accounts belongs to, the merchants would confirm that account belongs to XXXX XXXX and registered with her cell.number XXXX and email XXXX. and that on line purchases and orders were delivered to her home address at XXXX XXXX XXXX XXXX XXXX XXXX. If Wells Fargo reviewed video footage from XX/XX/XXXX and other early dates they would see that it was NOT my XXXX XXXX XXXX mother doing a withdrawals but a woman in her XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX Even more, a few weeks ago I received from Wells Fargo the print out of ATM/Debit card information which shows that on XX/XX/XXXX a new digital card number was issued. That means that someone added my mother 's card to their XXXX XXXX. See attached Screenshot. If my mother nor myself did not add a card to wallet, it means that XXXX would have done it. My mother does not know how to use an internet, much less she knows how to use an ATM. I, personally, also did not do it because I did not use an internet at that time and had established an access to online banking through an app on XX/XX/XXXX : only. \nWells Fargo failed per my request to investigate that issue, citing that I am not authorized to conduct a business because I am not an authorized user on my mother 's account, ignoring the fact that I am POA and legally I am authorized to do so, and that POA document is still on file. \nXXXX. Refusal to Accept Evidence : The bank refuses to provide an email address to submit medical documentation proving my mothers incapacity and /or my own illness, forcing a slow, archaic, and difficult fax and/ or regular mail process. See attached screenshots of my requests being already sent to WELLS FARGO with no avail. See attached screenshots. \nXXXX. Privacy Breach/Disclosure of Private Info : In their denial correspondence, Wells Fargo sent me the paperwork, account numbers, and personal details of another customer, someone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3000.00}. Receiving another person 's private information caused me to suffer with emotional distress due to fact that my mother 's and my own sensitive information might be jeopardized as well which could lead to devastating consequences for my mother and myself from identity theft up to stolen funds again from my mother 's account .This is a major breach of privacy and negligent handling of sensitive information indicating a massive failure in Well 's Fargo data privacy controls. \nDesired Resolution : I request that the CFPB investigate this case as Elder XXXX XXXX. I demand that Wells Fargo reopen All denied claims, review them in light of the victims incapacity, and fully reimburse the $ {$13000.00} XXXX in stolen funds. Furthermore, I request that the privacy breach be investigated and properly addressed. \n\nPS. Evidence Attached : XXXX ). Police Report ; XXXX ) Preservation Evidence Request regarding evidences of fraud ( video ATM and in Bank footages ) sent to Wells Fargo XXXX department XXXX ). Preservation Letter XXXX ). Medical proof of XXXX 's memory impairment. \nDocumentation about POA illness was sent on multiple occasions but I am ready to submit it again at provided electronic address XXXX ). The wrongly disclosed private information of the other party ( to prove the breach ). \nXXXX ). Screenshots of my XXXX Requests for providing me with electronic communication for submission of medical records. \nXXXX ). Screenshot of provided record of ATM/Debit card information showing fraudulent activities on the account. \n\nIf there is any attachment is missing, please, inform via my email! I will provide it per your request. \nPolice report XXXX initially was filed on XXXX/XXXX/XXXX regarding fraud on my debit card with XXXX. It was amended on XX/XX/XXXX including Unauthorized transaction on my mother 's debit card as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-19T07:59:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75007","tags":"Older American","has_narrative":true,"complaint_id":"18823632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-19T06:51:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This is a denial of reality, as the card was stolen/<em>compromised</em>, and the victim is medically incapacitated. Not saying that suspect is known and police is involved, <em>which</em> directly contradicts the bank 's assertion of \" permission ''."]},"sort":[8.035259,"18823632"]},{"_index":"complaint-public-v1","_id":"12354121","_score":6.649405,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX 18 U.S.C. 1343 ( XXXX XXXX ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( Mail XXXX ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( Bank XXXX ), they facilitated fraudulent use of compromised consumer nancial data, harming nancial institutions. By providing false statements to federal agencies and regulators, XXXX XXXX 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( XXXX ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( XXXX XXXX and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful In XX/XX/XXXX, during a trip to XXXXXXXX XXXX I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security XXXX XXXX and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within XXXX business days, depriving me of my right to dispute it again. XXXX. Failure to XXXX XXXX XXXX XXXX FCRA 15 U.S.C. 1681c-2 ( a ), XXXX  must block information resulting from identity theft within XXXX business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to XXXX XXXX I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), but XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, XXXX XXXX XXXX in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. XXXX  is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States XXXX Attorney for criminal review. There is indisputable evidence proving XXXX Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX Under Title 18 U.S. Code XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code. These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX has XXXX : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) XXXX has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. XXXX. Bank XXXX ( 18 U.S.C. 1344 ) XXXX refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX XXXX XXXX determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX  is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. XXXX. Mail XXXX ( 18 U.S.C. 1341 ) XXXX permitted XXXX to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit XXXX ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports XXXX to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. XXXX to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. XXXXFraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes. XXXX to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. egregious violations committed by XXXX XXXX XXXX XXXX XXXX, and associated parties. Their actions not only contravene consumer protection laws but also constitute violations of criminal statutes, causing harm to my financial standing and perpetuating fraudulent practices. XXXX. Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. XXXX. Inaccurate Address Reporting The Federal Trade Commission ( FTC ) identity theft report fraudulent addresses that have been inaccurately reported on my credit file, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are entirely fraudulent, and I have never resided at or been associated with them. XXXX continued inclusion of these addresses violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy of the data they report. By knowingly including these false addresses, XXXX has acted negligently and in bad faith, directly facilitating harm to my creditworthiness and perpetuating fraudulent debt collection schemes. XXXX. Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes : : Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX, in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1343 ) : XXXX has knowingly transmitted false address data and outdated debt information electronically across state lines. By doing so, they have engaged in wire fraud, intentionally deceiving financial institutions and other entities that rely on accurate credit information. Their actions have directly harmed me financially by negatively impacting my creditworthiness based on fabricated data. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1341 ) : By mailing credit reports containing false addresses and obsolete debts, XXXX XXXX XXXX fraudulent scheme designed to mislead creditors and consumers. This misuse of the postal service to disseminate fraudulent information constitutes mail fraud. Their deliberate actions have sown confusion and inflicted unwarranted damage on my financial reputation. XXXX XXXX XXXX XXXX Statutes ( 18 U.S.C. 1961 et seq. ) : XXXX persistent reporting of false information, combined with its collaboration with creditors engaging in deceptive practices, establishes a clear pattern of racketeering activity. Their systematic fraud falls squarely under the XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). By operating an enterprise through a pattern of racketeering activity, XXXX has XXXX blatant disregard for federal law and consumer rights. Bank XXXX XXXX XXXX XXXX ( 18 U.S.C. 1344 ) : By providing false data to financial institutions, XXXX has XXXX in bank fraud. Their actions have undermined the integrity of the banking system, causing harm not only to me but also to lenders who rely on accurate information to make informed decisions. This deception has led to incorrect assessments of credit risk, potentially resulting in financial losses for these institutions. Fraudulent Misrepresentation Causing Direct Harm ( Common Law ) : XXXX has intentionally misrepresented material information by reporting incorrect addresses and outdated debts. This fraudulent misrepresentation has directly harmed my financial standing, leading to unjust credit denials and tarnishing my reputation. Their willful deceit violates fundamental principles of honesty and fair dealing, inflicting measurable damages upon me. Unfair and Deceptive Practices Violating the FTC XXXX ( 15 U.S.C. 45 ) : XXXX actions constitute unfair and deceptive practices in violation of Section XXXX of the Federal Trade Commission XXXX. By misrepresenting my credit information, they have engaged in conduct that is unethical, unscrupulous, and substantially injurious to consumers. Their practices are not only unjustified but also violate established standards of commerce and trade. Detailed Application of Violations : Conspiracy ( 18 U.S.C. 371 ) : XXXX deliberate collaboration with creditors to report false information is a calculated effort to deceive. By fabricating addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive fraud. XXXX XXXX ( 18 U.S.C. 1343 ) : The electronic transmission of knowingly false credit data constitutes wire fraud. XXXX actions were not accidental but intentional, with full awareness of the falsehoods being propagated. By transmitting this data, they have exploited interstate communication channels to perpetrate fraud, causing substantial financial harm to me and undermining the reliability of credit reporting systems. Mail XXXX ( 18 U.S.C. 1341 ) : Utilizing the postal service to distribute fraudulent credit reports amplifies the severity of XXXX misconduct. Each mailed report containing false information is a deliberate act to mislead and defraud recipients. This systematic use of mail for fraudulent purposes demonstrates a flagrant disregard for federal law and the rights of consumers. XXXX Violations ( 18 U.S.C. 1961 et seq. ) : XXXX ongoing fraudulent activities, in partnership with deceptive creditors, constitute a pattern of racketeering activity as defined by XXXX statutes. Their enterprise operates with the explicit purpose of defrauding consumers and financial institutions. This sustained pattern of illegal conduct necessitates immediate legal action to halt their unlawful operations and hold them accountable for their actions. Bank XXXX ( 18 U.S.C. 1344 ) : By providing financial institutions with false credit information, XXXX has XXXX influenced lending decisions, resulting in potential financial losses and unjust credit denials. Their intentional deception undermines the banking system 's integrity and violates federal laws designed to protect financial institutions from fraudulent activities. Fraudulent Misrepresentation ( XXXX XXXX ) : XXXX  intentional reporting of false addresses and outdated debts is a clear case of fraudulent misrepresentation. They knew or should have known that this information was false, yet they willfully included it in my credit report. Their actions have caused me tangible harm, including damage to my XXXX XXXX, denial of credit opportunities, and undue stress and hardship. Unfair Practices XXXX the FTC XXXX ( 15 U.S.C. 45 ) : XXXX  deceptive reporting practices are unfair under the FTC XXXX XXXX causing substantial injury to consumers that is not reasonably avoidable and not outweighed by any benefits. Their actions are antithetical to fair business practices and have caused widespread harm to consumer trust and financial well-being. XXXX. Negligence and Malfeasance in Addressing Identity Theft XXXX failure to correct these inaccuracies despite being notified through FTC Identity XXXX Reports violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputed items promptly and correct or delete inaccurate or unverifiable information. Their inaction constitutes gross negligence and deliberate malfeasance, further enabling creditors to exploit these inaccuracies. XXXX, which have caused significant harm to my financial standing and represent blatant violations of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX deliberate and systematic misconduct includes the following : XXXX. Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX is legally obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of XXXX XXXX : XXXX  has reported incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, which are entirely false and have no association with me. Despite my notifications and disputes, these inaccuracies remain on my credit report. Inaccurate Account Information : XXXX continues to report outdated debts that are over XXXX years old, which should have been excluded from my credit report. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged to profit and loss which are more than XXXX years old. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Per 15 U.S.C. 1681i ( a ), upon notification of disputed information, XXXX  must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Neglect of Dispute Notices : Despite submitting formal disputes regarding the inaccurate addresses and outdated debts, XXXX has XXXX to conduct a proper reinvestigation or correct the misinformation. d. Failure to XXXX Notice XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX is required to notify the furnisher of the disputed information within XXXX business days. Lack of XXXX : There is no evidence that XXXX  has notified the creditors furnishing the inaccurate information about my disputes, further perpetuating the presence of false data on my credit report. e. Failure to Note Disputed Information in Subsequent Reports ( 15 U.S.C. 1681i ( c ) ) : Per 15 U.S.C. 1681i ( c ), if disputed information is not resolved, the consumer reporting agency must note the dispute in all subsequent consumer reports. Omission of Dispute Notation : XXXX  has failed to include a notation of my disputes in subsequent credit reports, misleading creditors and other entities reviewing my credit history. f. Failure to XXXX XXXX Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under 15 U.S.C. 1681c-2, upon receiving an identity theft report, a consumer reporting agency must block the reporting of information that resulted from identity theft. Ignoring Identity Theft Reports : Despite providing FTC Identity Theft Reports # XXXX and # XXXXXXXX XXXX  has not blocked the fraudulent addresses and accounts from my credit report. XXXX. Violations of XXXX XXXX XXXX Laws a. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) : While the FDCPA primarily regulates debt XXXX, XXXX XXXX XXXX creditors and debt XXXX in reporting invalid debts implicates violations of this act. Misrepresentation of XXXX : By reporting debts that are not legally enforceable due to expiration or identity theft, XXXX XXXX XXXX unfair debt collection practices. b. Failure to Provide Adverse Action Notices ( 15 U.S.C. 1681m ) : Under 15 U.S.C. 1681m ( a ), any person who takes adverse action based on information in a consumer report must provide an adverse action notice to the consumer. Lack of Notification : Creditors relying on XXXX XXXX have taken adverse actions against me without providing the required notices, and TBOM/CONTFIN has failed to ensure compliance with this requirement. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Unfair and Deceptive Reporting : TBOM/CONTFIN persistent reporting of inaccurate information constitutes unfair and deceptive practices that harm consumers and distort the credit market. XXXX. Detailed Application of Violations a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX negligence in reporting accurate information demonstrates a willful disregard for the FCRA 's XXXX. Reasonable Procedures Not Followed : The continued presence of incorrect addresses and outdated debts indicates that XXXX has XXXX to implement reasonable procedures to ensure data accuracy. Willful Noncompliance : Given the repeated notifications and disputes submitted, XXXX inaction is not merely negligent but willful, exposing them to statutory and punitive damages under 15 U.S.C. 1681n. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Direct Violation : The inclusion of obsolete debts is a straightforward violation of the FCRA, causing unjust harm to my creditworthiness. Impact on XXXX Opportunities : This outdated information adversely affects my ability to obtain credit, insurance, and employment opportunities. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : XXXX failure to properly investigate disputed information undermines the FCRA 's XXXX resolution mechanism. Denial of Rights : By not conducting a reasonable reinvestigation, XXXX  denies me the right to correct inaccuracies, a fundamental protection afforded by the FCRA. Perpetuation of Errors : This failure allows false information to persist, compounding the damage to my credit profile. d. Ignoring Identity Theft Reports ( 15 U.S.C. 1681c-2 ) : XXXX  disregard for my identity theft reports exacerbates the harm caused by fraudulent activities. Mandatory Blocking Ignored : The FCRA requires blocking of information resulting from identity theft, yet XXXX continues to report such data. Facilitating XXXX : By not removing this information, XXXX  enables identity thieves to continue exploiting my personal information. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : XXXX actions meet the criteria for unfair practices : XXXX XXXX : The financial harm caused by inaccurate reporting is significant. Not Reasonably Avoidable : I have taken all reasonable steps to correct the inaccuracies, but XXXX failures prevent resolution. No Countervailing Benefits : There is no justification for XXXX actions ; the harm outweighs any potential benefits. XXXX. Impact of XXXX  Violations Financial Harm : Due to XXXX misconduct, I have suffered from unjust credit denials, higher interest rates, and damage to my financial reputation. Emotional Distress : The stress and anxiety resulting from these violations have affected my well-being. Obstruction of Justice : XXXX actions obstruct my ability to protect myself from identity theft and to exercise my rights under federal law.","date_sent_to_company":"2025-03-06T17:38:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12354121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2025-03-06T17:33:06.000Z","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":["<em>XXXX</em> <em>XXXX</em> 18 U.S.C. 1343 ( <em>XXXX</em> <em>XXXX</em> ) by transmitting false <em>data</em> security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( Mail <em>XXXX</em> ) by sending misleading written communications claiming strong protections, then allowing <em>breaches</em>. Under 18 U.S.C. 1344 ( Bank <em>XXXX</em> ), they facilitated fraudulent use of <em>compromised</em> consumer nancial <em>data</em>, harming nancial institutions."]},"sort":[6.649405,"12354121"]},{"_index":"complaint-public-v1","_id":"12353562","_score":6.617225,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX violated 18 U.S.C. 1343 ( XXXX XXXX ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( XXXX XXXXXXXX ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( XXXX  XXXX ), they facilitated fraudulent use of compromised consumer nancial data, harming nancial institutions. By providing false statements to federal agencies and regulators, XXXX violated 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( XXXX ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( Computer Fraud and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful In XX/XX/XXXX, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card XXXX and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), XXXX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, XXXX XXXXs engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TBOM/CONTFIN is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States XXXXXXXX XXXX  for criminal review. There is indisputable evidence proving XXXX  Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX Under Title 18 U.S. Code XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code. These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX has violated : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) XXXX  has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. XXXX. XXXX  XXXX ( 18 U.S.C. 1344 ) TBOM/CONTFIN refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. XXXX. XXXX XXXX  ( 18 U.S.C. 1341 ) XXXX  permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. 6.Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 7.Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes. 8.Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : TBOM/CONTFIN in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX & XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. egregious violations committed by XXXX XXXX its affiliated creditors, and associated parties. Their actions not only contravene consumer protection laws but also constitute violations of criminal statutes, causing harm to my financial standing and perpetuating fraudulent practices. XXXX. Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 2. Inaccurate Address Reporting The Federal Trade Commission ( FTC ) identity theft report fraudulent addresses that have been inaccurately reported on my credit file, including : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX nj XXXX These addresses are entirely fraudulent, and I have never resided at or been associated with them. XXXX continued inclusion of these addresses violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy of the data they report. By knowingly including these false addresses, XXXX has acted negligently and in bad faith, directly facilitating harm to my creditworthiness and perpetuating fraudulent debt collection schemes. XXXX. Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes : : Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX, in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1343 ) : XXXX has knowingly transmitted false address data and outdated debt information electronically across state lines. By doing so, they have engaged in wire fraud, intentionally deceiving financial institutions and other entities that rely on accurate credit information. Their actions have directly harmed me financially by negatively impacting my creditworthiness based on fabricated data. XXXX XXXXXXXX XXXX Distribution of Inaccurate Credit Reports ( 18 U.S.C. 1341 ) : By mailing credit reports containing false addresses and obsolete debts, XXXX perpetuates a fraudulent scheme designed to mislead creditors and consumers. This misuse of the postal service to disseminate fraudulent information constitutes mail fraud. Their deliberate actions have sown confusion and inflicted unwarranted damage on my financial reputation. XXXX XXXX XXXX XXXX Statutes ( 18 U.S.C. 1961 et seq. ) : TBOM/CONTFIN persistent reporting of false information, combined with its collaboration with creditors engaging in deceptive practices, establishes a clear pattern of racketeering activity. Their systematic fraud falls squarely under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). By operating an enterprise through a pattern of racketeering activity, XXXX has XXXX blatant disregard for federal law and consumer rights. XXXX XXXXXXXX Affecting Financial Institutions ( 18 U.S.C. 1344 ) : By providing false data to financial institutions, XXXX has engaged in bank fraud. Their actions have undermined the integrity of the banking system, causing harm not only to me but also to lenders who rely on accurate information to make informed decisions. This deception has led to incorrect assessments of credit risk, potentially resulting in financial losses for these institutions. Fraudulent Misrepresentation Causing Direct Harm ( Common Law ) : TBOM/CONTFIN has intentionally misrepresented material information by reporting incorrect addresses and outdated debts. This fraudulent misrepresentation has directly harmed my financial standing, leading to unjust credit denials and tarnishing my reputation. Their willful deceit violates fundamental principles of honesty and fair dealing, inflicting measurable damages upon me. Unfair and Deceptive Practices Violating the FTC Act ( 15 U.S.C. 45 ) : XXXX actions constitute unfair and deceptive practices in violation of Section XXXX of the Federal Trade Commission Act. By misrepresenting my credit information, they have engaged in conduct that is unethical, unscrupulous, and substantially injurious to consumers. Their practices are not only unjustified but also violate established standards of commerce and trade. Detailed Application of Violations : Conspiracy ( 18 U.S.C. 371 ) : XXXX  deliberate collaboration with creditors to report false information is a calculated effort to deceive. By fabricating addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive fraud. XXXX XXXX ( 18 U.S.C. 1343 ) : The electronic transmission of knowingly false credit data constitutes wire fraud. TBOM/CONTFIN actions were not accidental but intentional, with full awareness of the falsehoods being propagated. By transmitting this data, they have exploited interstate communication channels to perpetrate fraud, causing substantial financial harm to me and undermining the reliability of credit reporting systems. XXXX XXXXXXXX ( 18 U.S.C. 1341 ) : Utilizing the postal service to distribute fraudulent credit reports amplifies the severity of XXXX misconduct. Each mailed report containing false information is a deliberate act to mislead and defraud recipients. This systematic use of mail for fraudulent purposes demonstrates a flagrant disregard for federal law and the rights of consumers. RICO Violations ( 18 U.S.C. 1961 et seq. ) : XXXX ongoing fraudulent activities, in partnership with deceptive creditors, constitute a pattern of racketeering activity as defined by XXXX statutes. Their enterprise operates with the explicit purpose of defrauding consumers and financial institutions. This sustained pattern of illegal conduct necessitates immediate legal action to halt their unlawful operations and hold them accountable for their actions. XXXX  XXXX ( 18 U.S.C. 1344 ) : By providing financial institutions with false credit information, XXXX has directly influenced lending decisions, resulting in potential financial losses and unjust credit denials. Their intentional deception undermines the banking system 's integrity and violates federal laws designed to protect financial institutions from fraudulent activities. Fraudulent Misrepresentation ( Common Law ) : XXXX intentional reporting of false addresses and outdated debts is a clear case of fraudulent misrepresentation. They knew or should have known that this information was false, yet they willfully included it in my credit report. Their actions have caused me tangible harm, including damage to my credit score, denial of credit opportunities, and undue stress and hardship. Unfair Practices Under the FTC Act ( 15 U.S.C. 45 ) : TBOM/CONTFIN deceptive reporting practices are unfair under the FTC Act , causing substantial injury to consumers that is not reasonably avoidable and not outweighed by any benefits. Their actions are antithetical to fair business practices and have caused widespread harm to consumer trust and financial well-being. 5. Negligence and Malfeasance in Addressing Identity Theft TBOM/CONTFINs failure to correct these inaccuracies despite being notified through FTC Identity Theft Reports violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputed items promptly and correct or delete inaccurate or unverifiable information. Their inaction constitutes gross negligence and deliberate malfeasance, further enabling creditors to exploit these inaccuracies. XXXX, which have caused significant harm to my financial standing and represent blatant violations of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX deliberate and systematic misconduct includes the following : XXXX. Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : TBOM/CONTFIN is legally obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of Personal Information : XXXX  has reported incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, which are entirely false and have no association with me. Despite my notifications and disputes, these inaccuracies remain on my credit report. Inaccurate Account Information : XXXX  continues to report outdated debts that are over seven years old, which should have been excluded from my credit report. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged to profit and loss which are more than seven years old. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Per 15 U.S.C. 1681i ( a ), upon notification of disputed information, XXXX must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Neglect of Dispute Notices : Despite submitting formal disputes regarding the inaccurate addresses and outdated debts, XXXX has failed to conduct a proper reinvestigation or correct the misinformation. d. Failure to Provide Notice of Dispute to Information Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX is required to notify the furnisher of the disputed information within five business days. Lack of Communication : There is no evidence that XXXX  has notified the creditors furnishing the inaccurate information about my disputes, further perpetuating the presence of false data on my credit report. e. Failure to Note Disputed Information in Subsequent Reports ( 15 U.S.C. 1681i ( c ) ) : Per 15 U.S.C. 1681i ( c ), if disputed information is not resolved, the consumer reporting agency must note the dispute in all subsequent consumer reports. Omission of Dispute Notation : XXXX has failed to include a notation of my disputes in subsequent credit reports, misleading creditors and other entities reviewing my credit history. f. Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under 15 U.S.C. 1681c-2, upon receiving an identity theft report, a consumer reporting agency must block the reporting of information that resulted from identity theft. Ignoring Identity Theft Reports : Despite providing FTC Identity Theft Reports # XXXX and # XXXX, TBOM/CONTFIN has not blocked the fraudulent addresses and accounts from my credit report. 2. Violations of Other Consumer Protection Laws a. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) : While the FDCPA primarily regulates XXXX XXXXXXXX, XXXX collaboration with creditors and XXXX XXXXXXXX in reporting invalid debts implicates violations of this act. Misrepresentation of XXXX : By reporting debts that are not legally enforceable due to expiration or identity theft, XXXX is facilitating unfair debt collection practices. b. Failure to Provide Adverse Action Notices ( 15 U.S.C. 1681m ) : Under 15 U.S.C. 1681m ( a ), any person who takes adverse action based on information in a consumer report must provide an adverse action notice to the consumer. Lack of Notification : Creditors relying on XXXX reports have taken adverse actions against me without providing the required notices, and XXXX has failed to ensure compliance with this requirement. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Unfair and Deceptive Reporting : XXXX persistent reporting of inaccurate information constitutes unfair and deceptive practices that harm consumers and distort the credit market. XXXX. Detailed Application of Violations a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX negligence in reporting accurate information demonstrates a willful disregard for the FCRA 's requirements. Reasonable Procedures Not Followed : The continued presence of incorrect addresses and outdated debts indicates that XXXX has failed to implement reasonable procedures to ensure data accuracy. Willful Noncompliance : Given the repeated notifications and disputes submitted, XXXX inaction is not merely negligent but willful, exposing them to statutory and punitive damages under 15 U.S.C. 1681n. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Direct Violation : The inclusion of obsolete debts is a straightforward violation of the FCRA, causing unjust harm to my creditworthiness. Impact on Credit Opportunities : This outdated information adversely affects my ability to obtain credit, insurance, and employment opportunities. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : XXXX failure to properly investigate disputed information undermines the FCRA 's dispute resolution mechanism. Denial of Rights : By not conducting a reasonable reinvestigation, TBOM/CONTFIN denies me the right to correct inaccuracies, a fundamental protection afforded by the FCRA. Perpetuation of Errors : This failure allows false information to persist, compounding the damage to my credit profile. d. Ignoring Identity Theft Reports ( 15 U.S.C. 1681c-2 ) : TBOM/CONTFIN disregard for my identity theft reports exacerbates the harm caused by fraudulent activities. Mandatory Blocking Ignored : The FCRA requires blocking of information resulting from identity theft, yet TBOM/CONTFIN continues to report such data. Facilitating Fraud : By not removing this information, TBOM/CONTFIN enables identity thieves to continue exploiting my personal information. e. Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : TBOM/CONTFIN actions meet the criteria for unfair practices : Substantial Injury : The financial harm caused by inaccurate reporting is significant. Not Reasonably Avoidable : I have taken all reasonable steps to correct the inaccuracies, but TBOM/CONTFIN failures prevent resolution. No Countervailing Benefits : There is no justification for XXXX actions ; the harm outweighs any potential benefits. XXXX. Impact of XXXX Violations Financial Harm : Due to XXXX  misconduct, I have suffered from unjust credit denials, higher interest rates, and damage to my financial reputation. Emotional Distress : The stress and anxiety resulting from these violations have affected my well-being. Obstruction of Justice : XXXX actions obstruct my ability to protect myself from identity theft and to exercise my rights under federal law.","date_sent_to_company":"2025-03-06T17:29:36.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12353562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DigniFi","date_received":"2025-03-06T17:22:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>XXXX</em> violated 18 U.S.C. 1343 ( <em>XXXX</em> <em>XXXX</em> ) by transmitting false <em>data</em> security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( <em>XXXX</em> XXXXXXXX ) by sending misleading written communications claiming strong protections, then allowing <em>breaches</em>. Under 18 U.S.C. 1344 ( <em>XXXX</em>  <em>XXXX</em> ), they facilitated fraudulent use of <em>compromised</em> consumer nancial <em>data</em>, harming nancial institutions."]},"sort":[6.617225,"12353562"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":19,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":19}]}},"product":{"doc_count":19,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":19,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":12}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1},{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":1}]}}]}},"timely":{"doc_count":19,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":18},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":19,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":11},{"key":"Closed with non-monetary relief","doc_count":7},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":19,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":19}]}},"company":{"doc_count":19,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":5},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":5},{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"DigniFi","doc_count":1},{"key":"Servicer under contract with Federal Student Aid","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":19,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":4},{"key":"MD","doc_count":4},{"key":"TX","doc_count":4},{"key":"GA","doc_count":3},{"key":"NY","doc_count":2},{"key":"CO","doc_count":1},{"key":"PA","doc_count":1}]}},"company_public_response":{"doc_count":19,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":12}]}},"tags":{"doc_count":19,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}