{"took":241,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2047,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3942254","_score":22.798124,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"False statement or representation of debt Per violation, there is no legal contract on file with original signature. Contract cancelled with XXXX TX and XXXX collections. ( see attachment**************** )","date_sent_to_company":"2020-11-08T07:05:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"3942254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NIC, Inc.","date_received":"2020-11-08T01:53:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>False</em> <em>statement</em> or <em>representation</em> of <em>debt</em> Per violation, there is no legal contract on file with original signature. Contract cancelled with XXXX TX and XXXX <em>collections</em>. ( see attachment**************** )"],"sub_issue":["Problem with personal <em>statement</em> of dispute"]},"sort":[22.798124,"3942254"]},{"_index":"complaint-public-v1","_id":"7592491","_score":22.62455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in the incomplete response to UMB alleged payment history payments XXXX to XXXX XXXX Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue False statements or representation","date_sent_to_company":"2023-09-22T06:09:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19138","tags":null,"has_narrative":true,"complaint_id":"7592491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UMB FINANCIAL CORPORATION","date_received":"2023-09-22T05:45:22.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is in the incomplete response to UMB alleged payment history payments XXXX to XXXX XXXX Status Submitted to the CFPB on XX/XX/XXXX Product <em>Debt</em> <em>collection</em> Issue <em>False</em> <em>statements</em> or <em>representation</em>"]},"sort":[22.62455,"7592491"]},{"_index":"complaint-public-v1","_id":"11026113","_score":22.605188,"_source":{"product":"Debt collection","complaint_what_happened":"I checked my credit and it said I had a collection never received a letter never received anything instantly went on my credit. First of all, they value my hippa rights .Second, my hippa right to privacy. All three of the credit bureaus should have XXXX due diligence under 15 U.S. Code 1681 - Congressional findings and statement of purpose 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692e - False or misleading representations U.S. Code Notes prev | next A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.","date_sent_to_company":"2024-12-11T19:51:51.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"11026113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2024-12-05T03:52:16.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Code 1692e - <em>False</em> or misleading representations U.S. Code Notes prev | next A <em>debt</em> collector may not use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Medical <em>debt</em>"]},"sort":[22.605188,"11026113"]},{"_index":"complaint-public-v1","_id":"3396656","_score":22.579018,"_source":{"product":"Debt collection","complaint_what_happened":"Bank of America has engaged in a long-term pattern or practice of providing False statements or representation for credit card account XXXX. In fact, these false statements or representation were so serious that I had to close this credit card account. I am attempting to pay an alleged debt to Bank of America for various late fees and interest charges caused by delays created by their failed ACH system which appears designed to incur late fees and interest charges. \n\nOn XX/XX/19 @ XXXX CST I called bank of american collections at ( XXXX ) XXXX who {$25.00} removed from past due amount leaving a payoff amount of {$9.00}. representative was a female who offered to make call notes for a future representative to refer to if item is not removed from credit bureau. \n\nXX/XX/19 XXXX call during a 1hr-12min call I was transferred to XXXX XXXX who escalation manager and was told the content of my prior call on XX/XX/19 included false statements or representation. Mr XXXX went on to say the name of the representative providing false statements or representation on XX/XX/19 was XXXX XXXX.","date_sent_to_company":"2019-10-05T14:32:36.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"550XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3396656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-10-05T14:17:26.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Bank of America has engaged in a long-term pattern or practice of providing <em>False</em> <em>statements</em> or <em>representation</em> for credit card account XXXX. In fact, these <em>false</em> <em>statements</em> or <em>representation</em> were so serious that I had to close this credit card account. I am attempting to pay an alleged <em>debt</em> to Bank of America for various late fees and interest charges caused by delays created by their failed ACH system which appears designed to incur late fees and interest charges."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>False</em> <em>statements</em> or <em>representation</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[22.579018,"3396656"]},{"_index":"complaint-public-v1","_id":"8458211","_score":22.171196,"_source":{"product":"Debt collection","complaint_what_happened":"Will Rush continues to allege I owe them a debt I do not owe. Will Rush is representing themselves as an attorney office but they are a collection agency doing business under a LLC located in XXXX TX. This is false misrepresentation. Furthermore they were not a party to the ORIGINAL agreement therefore I have no contractual obligation to pay this allege debt. Will Rush did not provide me with a notice to dispute this allege debt before they sold the information to XXXX and XXXX to place on my consumer report. This debt has also been canceled and considered income now and can not be reported. \n\nA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.\n\n( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.","date_sent_to_company":"2024-03-01T08:53:31.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30240","tags":null,"has_narrative":true,"complaint_id":"8458211","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Williams, Rush & Associates, LLC","date_received":"2024-03-01T08:42:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>.\n\n( 3 ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>False</em> <em>statements</em> or <em>representation</em>"]},"sort":[22.171196,"8458211"]},{"_index":"complaint-public-v1","_id":"16148328","_score":21.981268,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against TRUEACCORD CORPORATION for reporting a fraudulent or unverified debt on my credit report. The company has placed a collection account with a balance of {$630.00}, but I have no record of any contractual or financial relationship with TrueAccord.\n\nThe credit report lists TRUEACCORD CORPORATION as the 'Original creditor, ' a statement that is both false and deceptive. TrueAccord is a third-party debt collector, not a legitimate original creditor. This misrepresentation violates federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ). This includes : XXXX U.S. Code XXXX ( XXXX ) ( A ) : Prohibits a debt collector from making a 'false representation of the character, amount, or legal status of any debt. ' XXXX U.S. Code XXXX ( XXXX ) : Prohibits the use of 'any false representation or deceptive means to collect or attempt to collect any debt. ' XXXX U.S. Code XXXX ( XXXX ) : Prohibits communicating credit information 'which is known or which should be known to be false.","date_sent_to_company":"2025-09-24T23:14:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"48141","tags":null,"has_narrative":true,"complaint_id":"16148328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2025-09-24T23:09:14.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This misrepresentation violates federal law, specifically the Fair <em>Debt</em> <em>Collection</em> Practices Act ( FDCPA ). This includes : XXXX U.S. Code XXXX ( XXXX ) ( A ) : Prohibits a <em>debt</em> collector from making a '<em>false</em> <em>representation</em> of the character, amount, or legal status of any <em>debt</em>. ' XXXX U.S. Code XXXX ( XXXX ) : Prohibits the use of 'any <em>false</em> <em>representation</em> or deceptive means to collect or attempt to collect any <em>debt</em>. ' XXXX U.S."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[21.981268,"16148328"]},{"_index":"complaint-public-v1","_id":"10522967","_score":21.9691,"_source":{"product":"Debt collection","complaint_what_happened":"False statement and representation : 1. Continues to unlawfully report as collection every single month extending statute of limitations 2. Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )","date_sent_to_company":"2024-10-21T21:42:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"98310","tags":"Servicemember","has_narrative":true,"complaint_id":"10522967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Bureaus, Inc.","date_received":"2024-10-21T21:34:10.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>False</em> <em>statement</em> and <em>representation</em> : 1. Continues to unlawfully report as <em>collection</em> every single month extending statute of limitations 2. Failed to provide <em>Debt</em> validation and verification confirming details of <em>debt</em>, Legal ownership of <em>debt</em> including original contract & payments. US federal codes 15 USC 1692 ( c )"],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[21.9691,"10522967"]},{"_index":"complaint-public-v1","_id":"3942247","_score":21.899963,"_source":{"product":"Debt collection","complaint_what_happened":"False statement or representation of debt Per violation, this is computer generated signature, XXXX no original signature ), there is no legal contract on file with original signature. Contract cancelled with XXXX XXXX & National credit adjusters Collections. ( see attachment**************** )","date_sent_to_company":"2020-11-08T06:53:00.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"3942247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2020-11-08T01:38:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>False</em> <em>statement</em> or <em>representation</em> of <em>debt</em> Per violation, this is computer generated signature, XXXX no original signature ), there is no legal contract on file with original signature. Contract cancelled with XXXX XXXX & National credit adjusters <em>Collections</em>. ( see attachment**************** )"],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>False</em> <em>statements</em> or <em>representation</em>"]},"sort":[21.899963,"3942247"]},{"_index":"complaint-public-v1","_id":"8857296","_score":21.80118,"_source":{"product":"Debt collection","complaint_what_happened":"CREDIT COLL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) is alleging I owe a debt that I do not. I have no contractual obligation to pay this debt and I refuse to pay this illegal debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the colle\nction of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). \n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. \n\n( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.","date_sent_to_company":"2024-05-21T10:57:28.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"95206","tags":null,"has_narrative":true,"complaint_id":"8857296","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2024-04-25T21:55:52.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>.\n\n( 3 ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"]},"sort":[21.80118,"8857296"]},{"_index":"complaint-public-v1","_id":"5216436","_score":21.752466,"_source":{"product":"Debt collection","complaint_what_happened":"I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Putting this false information on my consumer report has damaged my reputation 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or A negative balance means I owe something but if balance in positive amount, how is it a bill/debt owed? 15 US Code 1666- Correction of billing errors : if sending me a bill or statement, then billing error and violates my consumer rights. 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company has tarnised my reputation and violated so many of my consumer rights.","date_sent_to_company":"2022-02-13T17:42:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"5216436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2022-02-13T17:33:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Code 1692e - <em>False</em> or misleading representations. A <em>debt</em> collector may not use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[21.752466,"5216436"]},{"_index":"complaint-public-v1","_id":"4637692","_score":21.610172,"_source":{"product":"Debt collection","complaint_what_happened":"The creditor 's 3rd party debt collector agreed to delete the account and remove it from the credit report on XX/XX/XXXX, as part of the settlement. HSN further agreed to delete the account on XXXX XXXX XXXX, and XXXX. I have filed complaints against the bank with the XXXX XXXX XXXX, Ohio Secretary of State, SEC, and the FTC.\n\nHSN and their 3rd party credit collectors made fraudulent misrepresentation is a statement that the debt collectors made knowing it was false or that they made recklessly to induce the other party to enter a contrary in order to settle the account in violation of the Fair Debt Collection Practices Act 807. False or misleading representations debt collector may not use any fraudulent, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. \n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n(\n\n11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n( 13 ) The false representation or implication that documents are a legal process.\n\n( 14 ) The use of any business, company, or organization name other than the actual name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. \n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f I request the removal of any reference to this debt from my credit report and the complete removal and full debt settlement as agreed to on XX/XX/XXXX. The creditor 's 3rd party debt collector agreed to delete the account and remove it from the credit report on XXXX XXXX XXXX, as part of the settlement. They fraudulent misrepresented their position per 807 FDCPA.","date_sent_to_company":"2021-08-17T22:19:14.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"4637692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-08-17T22:19:11.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["HSN and their 3rd party credit collectors made fraudulent misrepresentation is a <em>statement</em> that the <em>debt</em> collectors made knowing it was <em>false</em> or that they made recklessly to induce the other party to enter a contrary in order to settle the account in violation of the Fair <em>Debt</em> <em>Collection</em> Practices Act 807. <em>False</em> or misleading representations <em>debt</em> collector may not use any fraudulent, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[21.610172,"4637692"]},{"_index":"complaint-public-v1","_id":"4952414","_score":21.602455,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A letter was sent stating my current address my name as well as what personal information I want listed on my consumer report. I have contacted them via phone as well as certified mail regarding my personal information. Which after numerous attempt they still continue to report incorrect information. A copy of my drivers license as well as a current bank statement was sent to verify my identity as well as my address. This consumer reporting agency still refuses to remove the inaccurate information. Pursuant to 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f These items must be removed.","date_sent_to_company":"2021-11-27T09:17:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"4952414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-27T09:01:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["A copy of my drivers license as well as a current bank <em>statement</em> was sent to verify my identity as well as my address. This consumer reporting agency still refuses to remove the inaccurate information. Pursuant to 807. <em>False</em> or misleading representations A <em>debt</em> collector may not use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."]},"sort":[21.602455,"4952414"]},{"_index":"complaint-public-v1","_id":"6674926","_score":21.550865,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to Experian, XXXX and XXXX credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it may represent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. \n\nXXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX  XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.","date_sent_to_company":"2023-03-11T02:47:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"6674926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-11T01:55:37.000Z","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":["Code 1681 ( a ) ( b ) - Congressional findings and <em>statement</em> of purpose 15 U.S. Code 1692e - <em>False</em> or misleading representations A <em>debt</em> collector may use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."]},"sort":[21.550865,"6674926"]},{"_index":"complaint-public-v1","_id":"2988146","_score":21.531763,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX is still showing on my XXXX and EXPERIAN credit reports as a factoring company. To characterize my collection account as a factored account or to characterize XXXX XXXX XXXX as a factoring company is false representation. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receivables, not debt, and the bulk of the accounts are commercial, not consumer. \n\nFor XXXX XXXX XXXX to state that it is a factoring company violates : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX XXXX XXXX are not innocent purchasers and not holders. \n\n1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The operand in this sentence is Any false statement. Any misleading statement. Any misrepresentation. A contradiction is inherently false or misleading and/or a misrepresentation. \n\n1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. XXXX XXXX XXXX knows or should know that it is not an innocent purchaser and that it is not a holder. \n\n1692e ( 6 ) ( A ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to lose any claim or defense to payment of the debt. XXXX XXXX XXXX currently has a class action against them because in their affidavits attached to the complaint they claimed to be a \" holder in due course. '' They are neither a \" holder in due course '' ( abolished by US Congress in 1979 ) nor are they a \" holder '' under state laws. They misrepresented the rights and remedies of the consumer and misled the judge as to the true nature of their relationship with the consumer. A judge, believing that the debt collector is a holder, would accept the affidavit as prima facie evidence of indebtedness, rather than what it truly is : Hearsay.\n\n1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. A non-holder can not legally sue as a holder.\n\n1692e ( 2 ) ( A ) The false representation of the character any debt. The debt has been characterized as one that was not in default at the time of purchase.\n\n1692e ( 2 ) ( A ) The false representation of the legal status of any debt. Reporting as a factoring company confers the legal stauts of holder upon the furnisher.\n\n16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.","date_sent_to_company":"2018-08-10T17:35:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91709","tags":null,"has_narrative":true,"complaint_id":"2988146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-08-10T17:35:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["For XXXX XXXX XXXX to state that it is a factoring company violates : 1692e ( 12 ) The <em>false</em> <em>representation</em> or implication that accounts have been turned over to innocent purchasers for value. XXXX XXXX XXXX are not innocent purchasers and not holders. \n\n1692e ( 10 ) The use of any <em>false</em> <em>representation</em> or deceptive means to collect or attempt to collect any <em>debt</em> or to obtain information concerning a consumer. The operand in this sentence is Any <em>false</em> <em>statement</em>. Any misleading <em>statement</em>."]},"sort":[21.531763,"2988146"]},{"_index":"complaint-public-v1","_id":"6674814","_score":21.499483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to XXXX, Transunion and XXXX credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it XXXX XXXXepresent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. \n\nXXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.","date_sent_to_company":"2023-03-11T02:47:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"6674814","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-11T02:47:28.000Z","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":["Code 1681 ( a ) ( b ) - Congressional findings and <em>statement</em> of purpose 15 U.S. Code 1692e - <em>False</em> or misleading representations A <em>debt</em> collector may use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."]},"sort":[21.499483,"6674814"]},{"_index":"complaint-public-v1","_id":"6674813","_score":21.499483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to XXXX, XXXX and Equifax credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it may represent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. \n\nXXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.","date_sent_to_company":"2023-03-11T02:47:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"6674813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-11T02:47:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681 ( a ) ( b ) - Congressional findings and <em>statement</em> of purpose 15 U.S. Code 1692e - <em>False</em> or misleading representations A <em>debt</em> collector may use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."]},"sort":[21.499483,"6674813"]},{"_index":"complaint-public-v1","_id":"8459877","_score":21.483706,"_source":{"product":"Debt collection","complaint_what_happened":"LVNV FUNDING is alleging I owe them a debt I do not. Before adding this debt to my consumer report I did not receive any notice to dispute this debt before LVNV Funding sold the information to XXXX to be reported to my consumer report. This is a violation of my federally protected consumer rights under FDCPA. I have previously tried to resolve this matter through telephone communication and LVNV Fundind tried to force me to make payment by stating they would continue to report this debt until it is paid in full this is abusive business practice as I have no obligation under law to pay LVNV Funding because they were NOT an ORIGINAL party to the contract and the contract that was sold to them does not give them rights to collect this is law. I refuse to pay this debt. \n\nA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. \n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n( 13 ) The false representation or implication that documents are legal process. \n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\na ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.\n\n( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.","date_sent_to_company":"2024-03-01T06:36:51.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"30240","tags":null,"has_narrative":true,"complaint_id":"8459877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-03-01T06:18:30.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>. \n( 3 ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"]},"sort":[21.483706,"8459877"]},{"_index":"complaint-public-v1","_id":"14670555","_score":21.454401,"_source":{"product":"Debt collection","complaint_what_happened":"On Friday, XX/XX/year> at XXXX, I contacted Zwicker & Associates XXXX XXXX ) to negotiate a settlement for an XXXX XXXX XXXX of {$26000.00}. \n\nI initially spoke with a debt collector who said he would discuss my settlement proposal with his manager. I offered {$8000.00} total, then increased to {$10000.00} ( {$5000.00} down payment with the remainder on a payment plan ). \n\nXXXX XXXX then got on the phone, identifying himself as a senior debt collector manager. He refused to honor the {$10000.00} settlement discussed with his employee. When I explained my financial hardship - that Im already paying over {$1000.00} monthly through debt consolidation and this debt was accidentally overlooked- he remained firm at {$14000.00}, stating that was the lowest he would go. \n\nWhen I said I would take time to consider my options and secure legal counsel, XXXX XXXX made false statements to discourage me from seeking legal representation. He told me it doesnt matter who you hire or retain, this was the lowest they would go. This statement was intended to discourage me from exercising my right to legal representation in response to their pending lawsuit against me. \n\nHis false representation about the effectiveness of legal counsel violated the Fair Debt Collection Practices Act and could have caused me to default in the lawsuit if I had believed his misleading statements.","date_sent_to_company":"2025-07-15T15:10:23.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"220XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14670555","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2025-07-15T14:39:21.000Z","state":"VA","company_public_response":null,"sub_issue":"Told you not to respond to a lawsuit they filed against you"},"highlight":{"complaint_what_happened":["This <em>statement</em> was intended to discourage me from exercising my right to legal <em>representation</em> in response to their pending lawsuit against me. \n\nHis <em>false</em> <em>representation</em> about the effectiveness of legal counsel violated the Fair <em>Debt</em> <em>Collection</em> Practices Act and could have caused me to default in the lawsuit if I had believed his misleading <em>statements</em>."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>False</em> <em>statements</em> or <em>representation</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[21.454401,"14670555"]},{"_index":"complaint-public-v1","_id":"11896289","_score":21.421917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've contacted the furnishers and requested for debt validation and reporting agencies continued to report the inaccurate information listed by a debt buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the consumer doesn't recognize at all and has no consent from consumer to reporting of information. \n\nXXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\n( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2025-02-02T19:03:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"383XX","tags":null,"has_narrative":true,"complaint_id":"11896289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T17:38:12.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of -- ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>. \n\n( XXXX ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."]},"sort":[21.421917,"11896289"]},{"_index":"complaint-public-v1","_id":"3075149","_score":21.397846,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes  this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.","date_sent_to_company":"2018-11-15T17:09:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35160","tags":null,"has_narrative":true,"complaint_id":"3075149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Millco Management","date_received":"2018-11-15T16:51:42.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Until the requirements of the Fair <em>Debt</em> <em>Collection</em> Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any <em>collection</em> activities.I want a copy of a contract and not <em>false</em> itemized <em>statements</em> from some other company which is not <em>debt</em> validation."]},"sort":[21.397846,"3075149"]},{"_index":"complaint-public-v1","_id":"11895713","_score":21.38355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've contacted the furnishers and requested for debt validation and reporting agencies continued to report the inaccurate information listed by a debt buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the consumer doesn't recognize at all and has no consent from consumer to reporting of information. \n\nXXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\n( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2025-02-02T19:03:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"383XX","tags":null,"has_narrative":true,"complaint_id":"11895713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-02T19:03:12.000Z","state":"TN","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of -- ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>. \n\n( XXXX ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."]},"sort":[21.38355,"11895713"]},{"_index":"complaint-public-v1","_id":"11892080","_score":21.38355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've contacted the furnishers and requested for debt validation and reporting agencies continued to report the inaccurate information listed by a debt buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the consumer doesn't recognize at all and has no consent from consumer to reporting of information. \n\nXXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\n( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2025-02-02T19:03:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"383XX","tags":null,"has_narrative":true,"complaint_id":"11892080","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-02T19:03:12.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of -- ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>. \n\n( XXXX ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."]},"sort":[21.38355,"11892080"]},{"_index":"complaint-public-v1","_id":"8370131","_score":21.23386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX and Transunion continue to report an alleged debt that has not been validated or verified as belonging to me. XXXX sold this allege information to Transunion to report to damage my consumer report to prevent me from obtaining credit which is a violation of my right. Furthermore the transfer of the contract does not give XXXX the right to collect. \n\n( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. \n\n( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. \n\n( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.\n\n( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.\n\nA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.","date_sent_to_company":"2024-02-19T00:08:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"8370131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-18T23:54:44.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 2 ) The <em>false</em> <em>representation</em> of ( A ) the character, amount, or legal status of any <em>debt</em>; or ( B ) any services rendered or compensation which may be lawfully received by any <em>debt</em> collector for the <em>collection</em> of a <em>debt</em>.\n\n( 3 ) The <em>false</em> <em>representation</em> or implication that any individual is an attorney or that any communication is from an attorney."]},"sort":[21.23386,"8370131"]},{"_index":"complaint-public-v1","_id":"5074135","_score":21.1045,"_source":{"product":"Debt collection","complaint_what_happened":"Mountain Run Solutions LLC has never mailed me or notified me with any correspondence in the mail pertaining to this alleged debt. I have been receiving text messages stating I owe an alleged debt. Numerous disputes have been sent and ignored. There is no such alleged debt or valid agreement with Mountain Run Solutions LLC. An Alleged Debt has been purchased illegally and without a true and proper transaction between myself, any original creditor or any other company whatsoever. Mountain Run Solutions LLC has an alleged debt account with no proof of claim, true bill or documentation evidence to support such alleged debt collections. Mountain Run Solutions LLC has violated my rights, committed identity fraud, has obtained my information illegally without my consent and has trespassed on my property/information without properly paying me. Mountain Run Solutions is not registered in Texas to collect any types of debts. \n\n\nEach violation is {$1000.00} per violation. \n\n15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( I have never authorized Mountain Run Solutions LLC to communicate with me in any form of way. ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.\n\nIf such notice from the consumer is made by mail, notification shall be complete upon receipt.\n\n( Notice of Cease and Desist has been sent to Mountain Run Solutions and has been ignored. ) 15 U.S. Code 1692g. Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( This account has been disputed multiple times and no such validation, /verification of debt, contract or agreement between the two parties exist. ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. \n\n\n( This account has been disputed multiple times and no such validation/verification of debt, contract or agreement between Mountain Run Solutions and the federal consumer exist. ) 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.","date_sent_to_company":"2022-01-06T06:40:57.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"78238","tags":null,"has_narrative":true,"complaint_id":"5074135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mountain Run Solutions, LLC","date_received":"2022-01-06T04:41:43.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Code 1692e.<em>False</em> or misleading representations A <em>debt</em> collector may not use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with the <em>collection</em> of any <em>debt</em>."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[21.1045,"5074135"]},{"_index":"complaint-public-v1","_id":"4523019","_score":21.00813,"_source":{"product":"Debt collection","complaint_what_happened":"This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.\n\n( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.\n\nI have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.","date_sent_to_company":"2021-07-07T21:55:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30141","tags":null,"has_narrative":true,"complaint_id":"4523019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-07-07T21:48:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Pursuant to 15 USC 1692e Congress states that a <em>debt</em> collector may not use any <em>false</em>, deceptive, or misleading <em>representation</em> or means in connection with he <em>collection</em> of any <em>debt</em>. Without limiting the general application of the foregoing, the following conduct is a violation.\n\n( 2 ) the <em>false</em> <em>representation</em> of ( A ) the character amount, or legal status of any <em>debt</em> All the letters. and <em>statements</em> that you have sent me has been in a positive amount. How do I owe something that is positive?"],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[21.00813,"4523019"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2047,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2047}]}},"product":{"doc_count":2047,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":966,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":319},{"key":"Credit card debt","doc_count":269},{"key":"Other debt","doc_count":119},{"key":"Medical debt","doc_count":49},{"key":"Rental debt","doc_count":49},{"key":"Auto debt","doc_count":45},{"key":"Mortgage 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