{"took":251,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13714926","_score":21.756453,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a debt collection agency that claims I owe money to my ex-girlfriend. The alleged debt is based on voluntary support and shared expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal debt owed. Timeline of Events ( with timestamps ) XXXX XXXX XXXX : I received a phone call from DCI Credit Services. Shortly after : DCI contacted my current subtenant ( a third party with no connection to the alleged debt ). XXXX XXXX  : My subtenant called me, disturbed and confused after receiving DCI 's call, and questioned whether I had leaked their personal information. XXXX PM : I called DCI back. The DCI agent : Claimed I owed a personal debt to someone ; Admitted to possessing my drivers license; Confirmed they contacted my subtenant and told them I owe someone money. Violations of Law : FDCPA 805 ( b ) Improper Third-Party Contact : DCI illegally contacted my subtenant and disclosed that I allegedly owe money, violating federal law that prohibits third-party disclosure of debt. Failure to Validate Debt : I have never received any debt validation letter, notice of rights, or formal notice under FDCPA 809. Possession and Use of Sensitive Personal Information Without Consent : DCI claimed to have my drivers license, which was apparently obtained without my authorization likely from my ex-girlfriend. This is a serious breach of data privacy and personal information misuse. Resulting Financial and Reputational Harm : My subtenant is now threatening to terminate their lease early, citing privacy concerns and distrust. This puts me at risk of financial loss, vacancy costs, and reputational damage as a landlord.","date_sent_to_company":"2025-07-07T23:52:59.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"07302","tags":null,"has_narrative":true,"complaint_id":"13714926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Collectors International, Inc.","date_received":"2025-05-26T03:46:48.000Z","state":"NJ","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a <em>debt</em> <em>collection</em> agency that claims I owe money to my ex-girlfriend. The alleged <em>debt</em> is based on voluntary support and <em>shared</em> expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal <em>debt</em> owed. Timeline of Events ( with timestamps ) XXXX XXXX XXXX : I received a phone call from DCI Credit Services."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>Threatened</em> to contact <em>someone</em> or <em>share</em> <em>information</em> <em>improperly</em>"],"company":["<em>Debt</em> Collectors International, Inc."],"sub_issue":["Talked to a third-party about your <em>debt</em>"]},"sort":[21.756453,"13714926"]},{"_index":"complaint-public-v1","_id":"13680615","_score":21.721779,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a debt collection agency that claims I owe money to my ex-girlfriend. The alleged debt is based on voluntary support and shared expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal debt owed. \n\nTimeline of Events ( with timestamps ) : XXXX XXXX  : I received a phone call from DCI Credit Services. \n\nShortly after : DCI contacted my current subtenant ( a third party with no connection to the alleged debt ). \n\nXXXX XXXX  : My subtenant called me, disturbed and confused after receiving DCI 's call, and questioned whether I had leaked their personal information. \n\nXXXX XXXX XXXX I called DCI back. The DCI agent : Claimed I owed a personal debt to someone ; Admitted to possessing my drivers license; Confirmed they contacted my subtenant and told them I owe someone money. \n\nViolations of Law : FDCPA 805 ( b ) Improper Third-Party Contact : DCI illegally contacted my subtenant and disclosed that I allegedly owe money, violating federal law that prohibits third-party disclosure of debt. \n\nFailure to Validate Debt : I have never received any debt validation letter, notice of rights, or formal notice under FDCPA 809.\n\nPossession and Use of Sensitive Personal Information Without Consent : DCI claimed to have my drivers license, which was apparently obtained without my authorization likely from my ex-girlfriend. \n\nThis is a serious breach of data privacy and personal information misuse. \n\nResulting Financial and Reputational Harm : My subtenant is now threatening to terminate their lease early, citing privacy concerns and distrust. \n\nThis puts me at risk of financial loss, vacancy costs, and reputational damage as a landlord.","date_sent_to_company":"2025-05-23T03:10:32.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"07302","tags":null,"has_narrative":true,"complaint_id":"13680615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DCI Credit Services, Inc.","date_received":"2025-05-23T02:46:31.000Z","state":"NJ","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I was contacted by DCI Credit Services , Inc., a <em>debt</em> <em>collection</em> agency that claims I owe money to my ex-girlfriend. The alleged <em>debt</em> is based on voluntary support and <em>shared</em> expenses during a prior romantic relationship. There is no signed loan agreement, no judgment, and no legal <em>debt</em> owed. \n\nTimeline of Events ( with timestamps ) : XXXX XXXX  : I received a phone call from DCI Credit Services."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>Threatened</em> to contact <em>someone</em> or <em>share</em> <em>information</em> <em>improperly</em>"],"sub_issue":["Talked to a third-party about your <em>debt</em>"]},"sort":[21.721779,"13680615"]},{"_index":"complaint-public-v1","_id":"2686309","_score":18.607246,"_source":{"product":"Debt collection","complaint_what_happened":"On Monday, XXXX XXXX, XXXX, XXXX XXXX with Eastpoint Group contacted and left a voicemail message for someone living in my house who is not related to me or in anyway connected to my financial data. This person shared the voicemail with me, and it sounded like a scam call attempting to collect information about me. \n\nTuesday, XXXX XXXX, XXXX, XXXX XXXX from Eastpoint Group left a message on my home phone. I retrieved the message on Wednesday, XXXX XXXX, XXXX, and called her back. She explained that she was calling to collect a debt and had sent a letter regarding this debt. I told her that I did not receive a letter and offered to call and settle the debt with the company directly. She told me that the debt had been sold to her client, XXXX, and that XXXX would begin to take legal action against me the next day, Thursday, XXXX XXXX, XXXX, if I did not pay the debt in full on Wednesday, XXXX XXXX XXXX. She said that they would take me \" to court '' and sue me for the amount, I would have to \" pay legal and court fees '', my \" credit would be ruined '', that they would \" seize property and place a lien on [ my ] car '', and that she did n't understand why I had n't paid this debt because I \" have credit cards, good credit, and can pay '' the amount. She continued with a list of actions they would take against me. \n\nPrior to placing the call, I searched for information about Eastpoint Group because both calls sounded suspicious. I found that Eastpoint was a collection agency and that they had several complaints filed against them. After she concluded listing all the actions they would take against me if I did not pay the balance in full on Wednesday, XXXX XXXX, I offered to pay a portion of the amount due with the idea of setting up an automatic payment plan. She refused and repeated the actions she had previously listed. I explained that her actions were over-reaching by contacting someone not affiliated with me, and by threatening me with taking me to court. I requested contact information for her client, XXXX, which she declined to provide. \n\nI requested that she remove the other person 's contact information ( to which she originally denied having contacted, then followed up by giving this person 's name, saying that the person lived in my home so she had the right to contact this person ) from my financial information. \n\nAlthough I spoke calmly throughout the call, she was very combative and threatening. After she had concluded again with list of actions they would take, I responded by telling her that I knew Eastpoint Group had been reported multiple times for contacting the consumer improperly, disclosing debt to third parties, threatening legal action / lawsuit / consumer arrested / jailed, and noting states where their actions were particularly egregious. She denied every instance and said that these complaints were submitted by \" people who do n't want to pay their debt ''.\nIt appears that they may not have had my correct address, which would explain why I did n't receive the letter. She forwarded my call to another representative to verify my information, and the address they had on file contained two additional numbers making the address incorrect. \n\nI paid the full amount because I 'm starting a new, small business and I can not afford to go to court, nor do I want my name dragged into the courts or anything disparaging said in conjunction with my name or business. Yes, I made a mistake and forgot about a debt. I 'm responsible for that and willing to rectify it. The issue remains that contacting people not connected to me and threatening me while I 'm calmly trying to work towards a solution is unacceptable.","date_sent_to_company":"2017-09-27T19:48:16.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"90291","tags":null,"has_narrative":true,"complaint_id":"2686309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastpoint Recovery Group, Inc","date_received":"2017-09-27T18:57:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I explained that her actions were over-reaching by contacting <em>someone</em> not affiliated with me, and by <em>threatening</em> me with taking me to court. I requested contact <em>information</em> for her client, XXXX, which she declined to provide."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Took or <em>threatened</em> to take negative or legal action"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Threatened</em> to sue you for very old <em>debt</em>"]},"sort":[18.607246,"2686309"]},{"_index":"complaint-public-v1","_id":"1787854","_score":15.688346,"_source":{"product":"Debt collection","complaint_what_happened":"There were a number of other violations that I could have chosen on the previous question : Communication tactics : Threatened to take legal action, Continued attempts to collect debt I do not owe : Debt is not mine, False statements or representation : Indicated committing crime by not paying debt AND Impersonated attorney, and Improper contact or sharing of information : Talked to a third party about my debt. However, the threat to sue on a debt that is too old to be sued on is the most significant to me, as the alleged debt is outside the statute of limitations and can no longer be collected upon. \n\nMy dad was called by someone who was serving him notice via phone of a \" debt-related civil action pending against [ me ]. '' He was told to take down a phone number and a file number and have me call the company. When I called, I spoke to XXXX XXXX who, after several minutes of prompting, identified company as XXXX XXXX. I was told the company was a law office looking to collect on US Bank credit card account closed in 2008, an account I knew nothing about. I raised concern over the fact that I had never heard of the account or received any type of phone call or literature regarding collection, and over the fact that the debt was disclosed to my father, rather than through direct contact at my number. XXXX first told me they had been calling my number repeatedly and I had been ignoring the calls ( I had never received a call ) and later changed to \" this is the first time we 've sought contact with you. '' I could not get her to tell me the dollar amount of the account more specifically than \" over one thousand dollars. '' I accused the business and account of being illegitimate, and XXXX raised her voice at me and rattled off my full social security number to me twice, despite my protest and pointing out that practice was illegal. She spent the remainder of her time on the phone with me asking why I had n't paid, \" what [ was ] wrong with [ me ], '' and telling me that I needed to pay or they would sue me. I was transferred to transferred to XXXX XXXX. XXXX gave me the total in question ( ~ {$1200.00} ). When I told her the account was not mine, she told me to visit my credit report and mark the account as being the product of identity theft. She told me an investigation into the validity of the account would take approximately 30 days and that she would start the process of having me served with a summons so I could later appear in court with the record of dispute. She asked for my current address to do this ; I gave it to her and got off the phone. \n\nI checked my credit report where I found no record of the US Bank account. I checked a report generated a year ago and saw the account. The account is not mine ; I have zero recollection of opening or paying on this account. I attempted to open a dispute, and was unable to because the account had come off my report the year prior. I called the company back. I initially spoke to a man who told me that this was obviously my account, accused me of deliberate lying, and demanded I pay the amount today because they planned to garnish my wages or put a lien on my car to satisfy judgment rendered against me. He was speaking to me in a very accusatory and threatening manner, so I demanded that I be able to speak to XXXX again. She told me my only option was to pay or I would be sued. I caved in and I agreed, setting up XXXX payments to begin on the XXXX for an account that is not even mine. I was then transferred to a member of the \" accounting department '' who asked to record me. I allowed him, and he asked that I state my name, address, and telephone number to verify my personal information. \n\nI later contacted my attorney who informed me I had been victim to illegal practices under the Fair Debt Collection Practices Act and encouraged me to begin the process of protecting my information.","date_sent_to_company":"2016-02-15T17:12:10.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"11590","tags":"Servicemember","has_narrative":true,"complaint_id":"1787854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2016-02-15T17:12:10.000Z","state":"NY","company_public_response":"Company chooses not to provide a public response","sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["There were a number of other violations that I could have chosen on the previous question : Communication tactics : <em>Threatened</em> to take legal action, Continued attempts to collect <em>debt</em> I do not owe : <em>Debt</em> is not mine, False statements or representation : Indicated committing crime by not paying <em>debt</em> AND Impersonated attorney, and <em>Improper</em> contact or <em>sharing</em> of <em>information</em> : Talked to a third party about my <em>debt</em>."],"product":["<em>Debt</em> <em>collection</em>"],"sub_issue":["<em>Threatened</em> to sue on too old <em>debt</em>"]},"sort":[15.688346,"1787854"]},{"_index":"complaint-public-v1","_id":"3208513","_score":11.3958235,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This debt alleged by XXXX is hereby Disputed according to the FDCPA 1692. XXXX admits finally receiving the payment on XX/XX/XXXX therefore the payment was not 30 days late. Such was done with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within [ 5 ] five days of initially contacting me, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. Their response was a letter of decline of the Tender Of Payment. They used false statements and misleading documents to create a myth of a Deed Of Trust over the Tender Of Payment, which is fraud and perjury. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online verbal or any other alleged consent agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX and others if i didn't make a payment. Therefore all are hereby notified that I [ lower case name as printed ] do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. It has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me [ lower case name as printed ] by way of doing business employment and living free. I have the United States Post Office signed forms 3811 green cards which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED! 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.\n\nVerification - Doesn't mean that you send an in-house made up accounting ledger for this can be done by anyone you'll need to produce 804. 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 conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 4 ) not communicate by post card ;. ( 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 communi- cation relates to the collection of a debt ; and. ( 6 ) after the debt collector knows the consumer is repre- sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.\n\nValidation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection 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 af liated 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 indi- vidual 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\n1. Section 604 ( 3 ) has been renumbered as Section 604 ( a ) ( 3 ).\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 con- sumer 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 docu- ment authorized, issued, or approved by any court, of cial, or agency of the United States or any State, or which creates a false impression as to its source, autho- rization, 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 communi- cation 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 attempt- ing 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\n9 15 USC 1692f. ( 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 col- lector operates or is employed by a consumer reporting agency as de ned by section 1681a ( f ) of this title.\n\nYou have done so without impunity and correction.\n\n808. Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing 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 obli- gation ) 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 ve days unless such person is noti ed in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three busi- ness days prior to such deposit.\n. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the pur- pose 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 com- munications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\nEach time you contacted the debtor in this matter you added late charges and fees after a Tender Of Payment was delivered and served upon you without response within five [ 5 ] business days. Neither have your bank agency or corporation responded within the five days to say if you deny or accept the payment either way it is set for discharge.\n\n809. Validation of debts. ( b ) Disputed debts If the consumer notices 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 veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed 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 communica- tion 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\n12 ( 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 re- quired 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 connec- tion with debt collection for purposes of this section.\n\nWe demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( 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. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \nIt appears that XXXX is using the credit agency or bureau TransUnion to promote false information which goes against the FDCPA and the FCRA. The signature they have produced as you can see is not my signature but in cursive that states WITHOUT CONSENT. My signature is my name printed and such is the legal and lawful way to sign your name. Also they have deleted numbers that i also printed next to my name using whiteout or some form of deletion. They asked me if i had received a Demand payoff letter and i have and such is attached with the Tender of Payment with my real signature printed on the Tender of Payment. There is no contract with XXXX. The Promissory Note which covers the payment how ever Tendered was done in full and they declined payment therefore this debt is Discharged by law. XXXX has used suspicious conveyance of language which is language fraud. Attempting to steel my property. I have contacted them since they arrived on the scened XX/XX/XXXX. I asked them how they acquired my private and personal information and they did not respond. In fact they have failed to respond to all of my request filed since XX/XX/XXXX. At one point in time XXXX called themselves the Lender and that they would also be servicing the alleged debt. Another time they changed it and called Fannie Mae the Lender and XXXX the servicer. Please see attachments.","date_sent_to_company":"2019-04-11T07:47:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3208513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-11T03:04:47.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Corporation or Bank <em>Threatened</em> to Contact <em>Someone</em> or <em>Share</em> <em>Information</em> <em>Improperly</em> - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This <em>debt</em> is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX and others if i didn't make a payment."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[11.3958235,"3208513"]},{"_index":"complaint-public-v1","_id":"3208516","_score":11.377139,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This debt alleged by XXXX is hereby Disputed according to the FDCPA 1692. XXXX admits finally receiving the payment on XX/XX/XXXX therefore the payment was not 30 days late. Such was done with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within [ 5 ] five days of initially contacting me, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. Their response was a letter of decline of the Tender Of Payment. They used false statements and misleading documents to create a myth of a Deed Of Trust over the Tender Of Payment, which is fraud and perjury. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online verbal or any other alleged consent agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and Experian and others if i didn't make a payment. Therefore all are hereby notified that I [ lower case name as printed ] do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. It has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me [ lower case name as printed ] by way of doing business employment and living free. I have the United States Post Office signed forms XXXX XXXX XXXX which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED! 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. \nVerification - Doesn't mean that you send an in-house made up accounting ledger for this can be done by anyone you'll need to produce 804. 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 conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 4 ) not communicate by post card ;. ( 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 communi- cation relates to the collection of a debt ; and. ( 6 ) after the debt collector knows the consumer is repre- sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \nValidation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this. \n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay. \n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity. \n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection 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 af liated 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 indi- vidual 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. \n1. Section 604 ( 3 ) has been renumbered as Section 604 ( a ) ( 3 ). \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 con- sumer 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 docu- ment authorized, issued, or approved by any court, of cial, or agency of the United States or any State, or which creates a false impression as to its source, autho- rization, 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 communi- cation 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 attempt- ing 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. \n9 15 USC 1692f. ( 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 col- lector operates or is employed by a consumer reporting agency as de ned by section 1681a ( f ) of this title. \nYou have done so without impunity and correction. \n808. Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing 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 obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. \n. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than ve days unless such person is noti ed in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three busi- ness days prior to such deposit. \n. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the pur- pose of threatening or instituting criminal prosecution. \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. ( 5 ) Causing charges to be made to any person for com- munications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. \nEach time you contacted the debtor in this matter you added late charges and fees after a Tender Of Payment was delivered and served upon you without response within five [ 5 ] business days. Neither have your bank agency or corporation responded within the five days to say if you deny or accept the payment either way it is set for discharge. \n809. Validation of debts. ( b ) Disputed debts If the consumer notices 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 veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed 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 communica- tion 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. ( 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. ( 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 ). \n12 ( 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 re- quired 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 connec- tion with debt collection for purposes of this section. \nWe demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud. \n812. Furnishing certain deceptive forms ( 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. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \nIt appears that XXXX is using the credit agency or bureau XXXX to promote false information which goes against the FDCPA and the FCRA. The signature they have produced as you can see is not my signature but in cursive that states WITHOUT CONSENT. My signature is my name printed and such is the legal and lawful way to sign your name. Also they have deleted numbers that i also printed next to my name using whiteout or some form of deletion. They asked me if i had received a Demand payoff letter and i have and such is attached with the Tender of Payment with my real signature printed on the Tender of Payment. There is no contract with XXXX. The Promissory Note which covers the payment how ever Tendered was done in full and they declined payment therefore this debt is Discharged by law. XXXX has used suspicious conveyance of language which is language fraud. Attempting to steel my property. I have contacted them since they arrived on the scened XX/XX/XXXX. I asked them how they acquired my private and personal information and they did not respond. In fact they have failed to respond to all of my request filed since XX/XX/XXXX. At one point in time XXXX called themselves the Lender and that they would also be servicing the alleged debt. Another time they changed it and called XXXX XXXX the Lender and XXXX the servicer. Please see attachments.","date_sent_to_company":"2019-04-11T07:47:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3208516","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-04-11T03:47:34.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Corporation or Bank <em>Threatened</em> to Contact <em>Someone</em> or <em>Share</em> <em>Information</em> <em>Improperly</em> - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This <em>debt</em> is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and Experian and others if i didn't make a payment."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[11.377139,"3208516"]},{"_index":"complaint-public-v1","_id":"15961501","_score":10.843221,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB SUCKS!! ! XXXX CFPB DID NOTHING BUT CLOSE MY DISPUTE WITH NO TRANSPARENCY OR THOROUGH INTERNAL INVESTIGATIONS. CFPB DID NO INTERNAL INVESTIGATIONS OR CONDUCTED ANY FAIR ACT REPORTING OF CREDIT INFORMATION. NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE. THIS IS THE REPORT THAT WAS CLOSED. \n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product Debt collection Issue Threatened to contact someone or share information improperly We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT NON-COMPLIANCE OF A GOVERNMENT ENTITY!! ! XXXX NON-COMPLIANCE OF A GOVERNMENT ENTITY!! ! XXXX NON-COMPLIANCE OF A GOVERNMENT ENTITY!! ! XXXX Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT The original Creditor XXXX XXXX was sued and forced to pay Consumers for Bad Business Practices such as XXXX is trying to do here. This Entity is trying to collect on a debt that has been paid in Bankruptcy and a Civil Class Action Lawsuit filed on the ENTITY they brought the loan from Really this is how VETERANS WHO FOUGHT FOR THIS COUNTRY IS TREATED WITH THIS DISRESPECT!!!!!!!!! WOW. My name is spelled XXXX XXXX XXXX You have transformed my name into a CORPORATIONAL NAME for your benefit. This is an absolute disgrace to the United States Citizens or shall I say Employees, whom you constantly tax for your XXXX XXXXXXXX extroverted outburst in the public view such as TV and MEDIA outlets. let 's be real the only crook here is you!!! Removal of all charge offs/collections accounts all Hard inquiries anything not related to positive accounts and all late payments, and all negative reporting of closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordantly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! Violation of My Consumer Rights!!! This is Not a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. XXXX File # XXXX IMMEDIATE REMOVEVAL!!!!!!!!! XXXX XXXX ACCOUNT # XXXX IMMEDIATE REMOVAL!!!!!!!!! Attachments XXXX ( XXXX MB ) IdentityTheft ( 1 ) .PDF ( XXXX KB ) View full complaint Sent to company Status Sent to company on XXXXXX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Marked as duplicate Status Marked as a duplicate complaint on XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Privacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Monday through Friday ( except federal holidays ). More than XXXX languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments IdentityTheft ( 1 ) .PDF ( XXXX KB ) View full complaint Closed Status The CFPB determined that we are not able to take further action on this complaint on XXXX  Privacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-16T15:16:59.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15961501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-16T15:16:30.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product <em>Debt</em> <em>collection</em> Issue <em>Threatened</em> to contact <em>someone</em> or <em>share</em> <em>information</em> <em>improperly</em> We received your complaint. Thank you. \nWe will review your complaint."]},"sort":[10.843221,"15961501"]},{"_index":"complaint-public-v1","_id":"16401809","_score":10.712857,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX Collector XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX for LVNV Funding LLC ) Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Website : resurgent.com Account Number : [ Redacted ] Original Creditor : XXXX XXXX XXXX  XXXX XXXX. \nCurrent Owner : LVNV Funding LLC Alleged Balance : {$1300.00} ( charge-off : XX/XX/XXXX ; acquired : XX/XX/XXXX ; last payment : XX/XX/XXXX ) Product/Issue Debt collection ( credit card debt ) Specific Issues : Continued attempts to collect debt during dispute, Cont 'd attempts to collect debt that you think is wrong, Didn't receive enough information to verify debt, Didn't receive notice of right to dispute, False statements or representation, Frequent or repeated calls, Improper contact or sharing of info, Threatened to contact someone or share information improperly, Used obscene, profane, or other abusive language Attempts to Resolve with the Company Have you already tried to fix this problem with the company? Yes XXXX : I made multiple good-faith attempts to resolve this directly with the company by sending formal written demands for validation, cease-and-desist notices, and compliance with laws. On XX/XX/XXXX, I sent a sworn affidavit and demand letter via certified mail ( tracking available, delivered XX/XX/XXXX ) and email ( to company contact address ), disputing the debt, refusing to pay, and demanding they cease all communications and provide full validation. I set a XXXX deadline of XX/XX/XXXX. Despite confirmed receipt, they did not respond meaningfullyinstead, they sent inadequate, non-responsive letters ( XX/XX/XXXX and XXXX, XXXX ) denying my dispute without investigation and continued harassing contacts. On XX/XX/XXXX, I sent another cease-and-desist demand via certified mail ( tracking available, accepted same day with expected delivery by XX/XX/XXXX ), again demanding termination of collections, deletion from reports, and compensation. These efforts were ignored, as collections persisted, violating FDCPA 1692c ( c ) and Regulation F 1006.6 ( c ). Evidence of all attempts ( letters, affidavits, tracking, emails ) is attached ( redacted for privacy ). \nDid you request information from the company? Yes What information did you request? ( optional ) : In my XX/XX/XXXX demand ( sworn affidavit attached, redacted ), I requested comprehensive validation information, including : ( XXXX ) the original signed contract with the original creditor, including date and location of signing ; ( XXXX ) a complete, notarized chain of title documenting every assignment of the debt ( e.g., bill of sale, forward-flow agreement with account-specific details ) ; ( XXXX ) an itemized accounting of the {$1300.00} balance from origination ( XX/XX/XXXX ) to present, breaking down principal, interest, fees, and calculations ; ( XXXX ) proof of the company 's Texas licensing and {$10000.00} XXXX bond under XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirmation the debt is not time-barred under Texas Civil Practice & Remedies Code XXXX XXXX XXXX XXXX XXXX XXXX payment XX/XX/XXXX ) ; ( XXXX ) explanation of how they obtained my personal contact information without my consent, including source, date, and permissible purpose under FCRA 1681b and GLBA 6802 ; and ( XXXX ) internal records/compliance logs related to the account. In my XX/XX/XXXX demand ( copy attached, redacted ), I reiterated these requests and demanded written confirmation of actions taken ( e.g., debt termination, credit report deletion ). The company provided none of thisonly partial, inconsistent statements ( e.g., mismatched dates in XX/XX/XXXX and XXXX letters ), violating FDCPA 1692g and Regulation F 1006.34 ( c ). This failure contradicts their website FAQ ( resurgent.com/faq ), which claims they \" provide verification '' upon dispute. \nWhat happened? \n\nDear CFPB : I am a Texas resident filing this detailed complaint against Resurgent Capital Services XXXX ( Resurgent ) under CFPB authority ( 12 U.S.C. 5511 et seq., Regulation F, FDCPA, FCRA, GLBA ) for systemic violations in the debt collection process. Resurgent has harassed me with unauthorized, misleading communications; failed to validate a disputed debt ; ignored my cease-and-desist demands ; and contradicted their own policies/terms/privacy statements ( as per their website, resurgent.com, effective XX/XX/XXXX for privacy and XX/XX/XXXX for terms ). Their actions have caused emotional distress, time loss ( XXXX hours ), and potential credit damage. I request a full investigation, subpoenas for records, enforcement actions ( e.g., cease collections, delete from reports, penalties ), referral to XXXX, and XXXX XXXX $ XXXX per violation under FDCPA XXXX, actual damages for distress ). I have filed related complaints with Texas XXXX ( complaint # XXXX, filed XX/XX/XXXX ) and XXXX  XXXX ( complaint # XXXX, filed XX/XX/XXXX ) ; please coordinate. \n\nStep-by-Step Breakdown of the Debt Collection Process and Violations I will detail the entire process chronologically, from initial contact to ongoing harassment, highlighting every event, evidence, violation, and how Resurgent contradicts their own policies ( e.g., their privacy policy claims \" we do not collect info without consent '' but they used my contact info without it ; terms promise FDCPA adherence but they ignored validation/cease demands ). Their website ( e.g., FAQ, Privacy Policy, T & Cs ) emphasizes \" fair practices '' and \" consumer rights, '' yet their actions violate these self-stated standards. \n\nStep XXXX : Unauthorized Data Acquisition and Initial Unsolicited Contact ( Pre-Validation Phase, August 23August 28, XXXX ) Process Description : Debt collection begins with acquiring XXXX data and initial outreach. Resurgent must obtain consent for contact ( XXXX XXXX XXXX ( d ) ( XXXX ) ) and provide validation within 5 days of initial communication ( XXXX XXXX XXXX ( a ) ; FDCPA XXXX ( a ) ). Their Privacy Policy ( resurgent.com/privacy ) claims compliance with GLBA ( XXXX ), stating they collect info only with \" permissible purpose '' and share it only as needed, but they contradict this by using my contact info without consent or prior interactionI have no relationship with them. This suggests unauthorized data pulls ( e.g., from the original creditor without XXXX purpose, XXXX ). Their T & Cs ( resurgent.com/terms ) promise \" respectful '' communication but started with unsolicited texts/emails. \nEvents : XX/XX/XXXX ( XXXX AM ) : Email from company representative announcing LVNV purchase ( acquired XX/XX/XXXX ; charge-off XX/XX/XXXX ; balance {$1300.00} ). Partial summary onlyno full proof ( PDF attached, redacted ). \nXX/XX/XXXX ( XXXX AM ) : Email urging portal visit/payment ( PDF attached, redacted ). \nXX/XX/XXXX ( XXXX PM ) : Text urging portal ( screenshot attached ; inconvenient evening time ). \nXX/XX/XXXX ( XXXX AM ) : Email offering plans ( PDF attached, redacted ). \nXX/XX/XXXX ( XXXX PM ) : Original creditor email confirming sale ( email attached, redacted ). \nXX/XX/XXXX : Resurgent letter with summary ( origination XX/XX/XXXX ; no originals ; scan attached, redacted ). \nViolations : Unauthorized contact without consent ( Reg F 1006.6 ( e ) ; FDCPA 1692c ( a ) ; GLBA 6802contradicts their Privacy Policy 's \" consent required '' claim ). Inadequate initial validation ( Reg F 1006.34 ( c ) must include creditor name, amount, dispute rights ; theirs was partial/misleading ). Misleading entity confusion ( FDCPA 1692eResurgent/LVNV blurred ). Harassment via inconvenient times ( Reg F 1006.6 ( b ) ( 1 ) ; XXXX  XXXX XXXX XXXX ). Contradiction : Their Scams page warns against \" unsolicited contacts '' yet they initiated them. \nEvidence : Screenshots/PDFs attached ( redacted ) ; no consent proof from XXXX. \nStep XXXX : My Formal Validation Demand and Cease-and-Desist ( Dispute Phase, XX/XX/XXXX ) Process Description : Consumers can dispute debts in writing, triggering a XXXX validation requirement ( FDCPA XXXX ( b ) ; XXXX XXXX XXXX ). XXXX must cease until validated. Resurgent 's FAQ ( resurgent.com/faq ) claims they \" investigate disputes '' and provide \" verification, '' but they ignored mine, contradicting their T & Cs ' promise of FDCPA adherence. \nEvents : XX/XX/XXXX ( XXXX PM ) : Sent sworn affidavit/demand via email ( to company contact address ) and certified mail ( tracking available ). Demanded : original contract, chain of title, itemized accounting, Texas licensing, XXXX confirmation ; cease all contact ( affidavit/PDF attached, redacted ). Deadline : XX/XX/XXXX. \nXX/XX/XXXX ( XXXX PM ) : XXXX delivery confirmation ( tracking attached, redacted ). \nViolations : Failure to acknowledge/respond ( XXXX XXXX XXXX ; FCRA XXXX ( b ) must investigate disputes ). Contradiction : Their Disputes page says \" mail disputes to XXXX XXXX XXXX '' yet ignored mine. \nEvidence : Affidavit ( XXXX attachments, e.g., FDCPA excerpts, XXXX v. XXXX case ) ; tracking ( redacted ). \nStep XXXX : Resurgent 's Inadequate, Non-Responsive \" Validation '' Attempts ( Post-Demand Phase, September 316, 2025 ) Process Description : Validation must include verifiable proof ( e.g., chain of title, originals ) ; boilerplate denials insufficient ( XXXX XXXX XXXX ( c ) ). Resurgent 's Account Summary Reports contradict their own Historical Info ( e.g., statement dates mismatch : XXXX XXXX XXXX vs. XXXX XXXX XXXX ), showing deception. Their FAQ claims \" accurate reporting '' via XXXX XXXX, but inconsistencies violate this. \nEvents : XX/XX/XXXX : Letter with statement ( XXXX XXXX XXXX, XXXX ; balance {$1300.00} ; scan attached, redacted ). Denied dispute without investigation. \nXX/XX/XXXX : Letter with variant statement ( XXXX XXXX XXXX, XXXX ; inconsistencies ; scan attached, redacted ). Threatened \" active collection. '' Violations : Inadequate validation ( FDCPA XXXX XXXX ) ; deceptive ( FTC XXXX XXXX ; Texas Fin XXXX XXXX ( a ) ( XXXX ) ). Non-response to demand ( XXXX XXXX XXXX ). Contradiction : Their Privacy Policy requires \" accurate info '' but statements have date errors. Potential time-barred debt ( XXXX  XXXX XXXX XXXX XXXX from last payment XX/XX/XXXX ; no disclosure ). \nEvidence : Scans ( redacted ) ; inconsistent dates highlighted. \nStep XXXX : Continued Harassment and Post-Deadline Collections ( Escalation Phase, XXXX XXXX XXXX, XXXX ) Process Description : Post-dispute, collections must cease until validated ( FDCPA XXXX ( XXXX ) ). Resurgent 's T & Cs include TCPA consent but require opt-in ; they violated by unsolicited texts/emails at inconvenient times, contradicting their Scams page ( warns against \" threats/urgency '' ). \nEvents : XX/XX/XXXX ( XXXX AM ) : Email offering discount ( {$1300.00} ; email attached, redacted ). \nXX/XX/XXXX ( XXXX PM ) : Text urging portal ( screenshot attached, redacted ). \nXX/XX/XXXX ( XXXX AM ) : Email \" checking in '' ( email attached, redacted ). \nXX/XX/XXXX : Deadline passed ; no validation. \nXX/XX/XXXX ( XXXX AM email ; XXXX PM text ) : Reminders ( screenshots attached, redacted ; Saturday eveninginconvenient ). \nXX/XX/XXXX : Filed complaints with XXXX  XXXX ( # XXXX ) and XXXX  XXXX ( # XXXX ) ( PDFs attached, redacted ). \nXX/XX/XXXX ( AM ) : OCCC closure directs to XXXX ; Resurgent email urges payment ( email attached, redacted ). \nXX/XX/XXXX ( PM ) : Mailed new cease demand ( tracking available ; accepted same day, departed XXXX PM ; expected delivery XX/XX/XXXX ). \nViolations : Post-demand collection ( FDCPA 1692g ( b ) ) ; harassment ( FDCPA 1692d ; Reg F 1006.6 ( b ) ( 4 ) ( i ) ) ; unsolicited ( Reg F 1006.6 ( d ) ; TCPA 47 U.S.C. 227 ). Misleading urgency ( FDCPA 1692e ; XXXX  Fin Code 392.304 ). Contradiction : Their Hours of Operation ( XXXX XXXX XXXX ) imply respect for times, but texts were evenings/weekends. Privacy breach : Used info without explaining source ( contradicts Privacy Policy 's \" disclosure upon request '' ). \nStep 5 : Credit Reporting and Systemic Issues ( Ongoing Harm ) Process Description : Collectors must report accurately ( FCRA 1681s-2 ( b ) ; Metro 2 standards ). Resurgent 's FAQ claims \" we update reports upon resolution, '' but they reported without validation, risking inaccuracy. Their Licenses page omits XXXX  bonding ( XXXX  Fin Code 392.101 ), contradicting T & Cs ' \" state compliance. '' Website lacks Texas disclosures, violating transparency. \nHarm : Emotional distress, credit damage, time loss. XXXX potentially time-barred ( XXXX  XXXX XXXX XXXX XXXX. \nViolations : Inaccurate reporting ( FCRA 1681n ) ; unfair practices ( FTC Act 5 ). Contradiction : Scams page educates on rights but they violated them.\n\nRequested Relief and Investigation Subpoena Resurgent 's records : Internal notes, data acquisition sources, licensing/bonding proof, dispute logs, communications. \nEnforce : Cease collections, delete from reports ( XXXX ), prohibit XXXX. \nDamages : {$1000.00} per FDCPA violation + actual ( $ XXXX distress ). \nRefer to XXXX","date_sent_to_company":"2025-10-07T05:32:20.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"16401809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-10-07T04:55:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["of info, <em>Threatened</em> to contact <em>someone</em> or <em>share</em> <em>information</em> <em>improperly</em>, Used obscene, profane, or other abusive language Attempts to Resolve with the Company Have you already tried to fix this problem with the company?"],"product":["<em>Debt</em> <em>collection</em>"],"issue":["<em>Threatened</em> to contact <em>someone</em> or <em>share</em> <em>information</em> <em>improperly</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[10.712857,"16401809"]},{"_index":"complaint-public-v1","_id":"16636169","_score":10.428541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. \n\nCFPB XXXX XXXX : XXXX XXXX XXXX XXXX XXXX * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement Portfolio XXXX XXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), Capital XXXX Bank XXXX XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \n\nhere XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \n\nXXXX XXXX bank XXXX XXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \n\nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX.","date_sent_to_company":"2025-10-16T09:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16636169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-16T09:30:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the <em>debt</em> IRS Violations ( if XXXX was issued ) : <em>Improper</em> <em>collection</em> on canceled <em>debt</em> False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the <em>debt</em> as a loss and been compensated."]},"sort":[10.428541,"16636169"]},{"_index":"complaint-public-v1","_id":"16636167","_score":10.4283905,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. \n\nCFPB Complaint Draft : Reinsertion Violation & Regulatory Failure * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a XXXX offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement XXXX XXXX XXXXXXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \n\nhere XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, EquifaxXXXX XXXX XXXX XXXX ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \n\nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX.","date_sent_to_company":"2025-10-16T09:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16636167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-16T09:30:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the <em>debt</em> IRS Violations ( if XXXX was issued ) : <em>Improper</em> <em>collection</em> on canceled <em>debt</em> False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the <em>debt</em> as a loss and been compensated."]},"sort":[10.4283905,"16636167"]},{"_index":"complaint-public-v1","_id":"16619422","_score":9.894775,"_source":{"product":"Debt collection","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. CFPB XXXX XXXX : XXXX XXXX XXXX XXXX XXXX * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding Portfolio Recovery Associates , LLC XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the PRA Group account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by PRA Group in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement Portfolio Recovery Associates XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction Portfolio Recovery Associates , LLC ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the PRA Group account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including PRA Group XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by Portfolio Recovery Associates , LLC ( XXXX ), Capital XXXX Bank XXXX XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. here XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. XXXX XXXX bank XXXX XXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX. \npra llc boilerplate response Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \ncaptiol XXXX response XXXX responded there is an unauthorized third party on XX/XX/XXXX i have included all files","date_sent_to_company":"2025-10-16T09:42:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16619422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-10-16T09:31:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the <em>debt</em> IRS Violations ( if XXXX was issued ) : <em>Improper</em> <em>collection</em> on canceled <em>debt</em> False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the <em>debt</em> as a loss and been compensated."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Took or <em>threatened</em> to take negative or legal action"]},"sort":[9.894775,"16619422"]},{"_index":"complaint-public-v1","_id":"14713606","_score":7.710225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint to formally raise serious concerns about multiple inaccuracies on my credit report, including wrong addresses, unauthorized hard inquiries, and erroneous account reporting that violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), HIPAA, and other federal consumer protection laws. \nI have attempted to resolve these issues directly with the credit bureaus and furnishers but have received no satisfactory response. These inaccuracies have severely affected my financial life, creditworthiness, and emotional well-being. \nBelow is a breakdown of each issue along with applicable laws and the impact on me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : I have never lived at or been associated with this address. Its presence is false and misleading.\n\nLaw : FCRA 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.\n\nStory : This address appeared suddenly on my report during a fraud investigation period. I have never received mail, utility bills, or had residency at this location. Having this listed has caused me to be flagged in background checks and denied an apartment lease. \nXXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : This address is outside my state and not connected to any past residence. \nLaw : FCRA 611 Consumers have a right to dispute inaccurate items.\n\nStory : I have no personal, business, or family ties to this address. I believe this may be the result of identity confusion or mixed files. My auto insurance rate increased due to this incorrect residency record. \nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : I never lived here and have no ties to the residence.\n\nLaw : FCRA 602 Inaccurate reporting undermines consumer confidence.\n\nStory : This address may belong to someone with a similar name. A landlord ran my credit and flagged me for conflicting addresses, which resulted in rejection from a housing application. \nXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address Issue : Out-of-state address, never associated with me. \nLaw : FCRA 1681i Must correct inaccurate or incomplete information. \nStory : I was alerted by a fraud monitoring service that accounts were being attempted from this address. This raises red flags and severely threatens my financial reputation. \nXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : Completely unknown and not mine.\n\nLaw : FCRA 607 ( b ) Users of consumer reports must ensure data is used fairly and accurately.\n\nStory : This entry resulted in my name being flagged during a federal job application. The recruiter stated address inconsistency as a red flag and paused the process. \nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : I never lived at this address or authorized its usage. \nLaw : FCRA 605 Reporting inaccurate information over 7 years old or irrelevant is unlawful.\n\nStory : I suspect this may be linked to a leasing fraud incident. It caused my credit score to drop after being tied to an account I never opened. \nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address Issue : This address is not connected to me in any way.\n\nLaw : FCRA 611 ( a ) ( 1 ) ( A ) Inaccuracies must be reinvestigated.\n\nStory : My account was frozen by a bank because this address matched a flagged individual. This has emotionally and financially damaged me and delayed my student loan disbursement. \nXXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$220.00} Issue : Account charged off without validation or full investigation.\n\nLaw : FDCPA 809 ( b ) ; FCRA 623 Story : I disputed this balance because I never received final billing. Despite contacting XXXX XXXX multiple times, they failed to provide itemized charges. I was also dealing with financial hardship and temporary homelessness during this period, which worsened my ability to resolve the issue. \nXXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$340.00} Issue : Reported late during COVID-related hardship protections.\n\nLaw : CARES Act 4021 ; FCRA 623 Story : I was enrolled in a temporary forbearance program. XXXX XXXX still reported me late, which is not only unethical but also illegal under CARES guidelines. This impacted my auto loan approval. \nXXXX XXXX XXXX  XXXX XXXX * Charge Off Opened : XX/XX/XXXX Balance : {$12000.00} Issue : This charge off was added without dispute resolution or explanation. \nLaw : FDCPA 807 Prohibits deceptive practices ; FCRA 611 Story : I contacted XXXX XXXX multiple times to dispute this balance. I was a victim of academic fraud where a third party signed me up for courses using my information. XXXX XXXX ignored this context and severely damaged my credit. \nXXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX Balance : {$720.00} Issue : Account incorrectly marked late without payment history clarification. \nLaw : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishers must report accurately.\n\nStory : I made a deferred payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nDEPT OF EDUCATIONXXXX XXXX ( Multiple Dates and Balances ) Late Payments Issue : These are duplicate accounts, many during active deferment periods.\n\nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several forbearances. However, they reported me as delinquent, leading to denial of federal housing support. It has also emotionally devastated me, as I worked hard to rebuild my academic career. \nXXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Late payment was reported during a formal payment pause. \nLaw : FCRA 623 ; Equal Credit Opportunity Act ( ECOA ) Story : I had submitted documents showing hardship and XXXX  confirmed processing. However, they still marked me late. I lost an opportunity to refinance due to this false record. \nXXXX XXXX XXXX XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$4900.00} Issue : No debt validation was ever sent.\n\nLaw : FDCPA 809 ( b ) ; FCRA 611 Story : I was never contacted about this alleged debt until it showed up on my report. It appears to be related to an old apartment dispute that was resolved. Yet, they placed it in collections without any notice or legal process. \nXXXX XXXX XXXX XXXX XXXX  Collection Opened : XX/XX/XXXX Balance : {$1300.00} Issue : No medical services were received by me for this amount.\n\nLaw : HIPAA Privacy Rule ; FDCPA 807 Story : I believe this may have been billed under my name mistakenly during an ER visit that wasn't mine. I never received an invoice or breakdown of services. This is both illegal and traumatizing. \nXXXX XXXX XXXX XXXXXXXX Collection Opened : XX/XX/XXXX Balance : {$1700.00} Issue : No notice, validation, or original creditor information was provided.\n\nLaw : FDCPA 809 ( a ) ; FCRA 611 Story : This account was flagged while I was applying for rental assistance. Ive never received any documentation or communication from this collector. It appears fraudulent. \nXXXX  XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$210.00} Issue : Account unknown to me ; possible identity theft.\n\nLaw : FCRA 605B Blocking of information resulting from ID theft.\n\nStory : I do not have any credit relationship with this credit union. This may have been opened with stolen personal data. I demand an immediate block of this tradeline. \nXXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Charges were disputed, and service was canceled properly.\n\nLaw : FCRA 623 ( a ) ( 2 ) ; FDCPA 807 Story : I contacted XXXX several times disputing overbilling. They sent no final bill and never responded to my dispute. Reporting it as charged off is unfair, inaccurate, and illegal. \nHard Inquiries ( Unauthorized or Without Permissible Purpose ) XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize or apply for credit with this company.\n\nLaw : FCRA 604 ( a ) ( 3 ) Permissible purpose required for inquiry.\n\nStory : This inquiry is hurting my credit profile. Its possible my data was shared without consent or pulled for marketing. \nXXXX XXXX  XX/XX/XXXX Issue : I never applied for a card or service. \nLaw : FCRA 604 Story : This seems to be a preapproval error or identity misuse. It must be removed immediately. \nXXXX XXXX  XX/XX/XXXX Issue : Duplicate or improper inquiry without new credit action.\n\nLaw : FCRA 604 Story : This inquiry happened during a time I had no activity with XXXX XXXX. They must produce documentation or remove it.\n\nIMPACT & RELIEF REQUESTED These reporting errors have had a devastating effect on my life : Ive been denied for credit cards, auto loans, housing, and employment. \nIve suffered emotional distress from seeing my identity misrepresented. \nIve lost thousands in potential savings due to unfair interest rates and fees. \nI am requesting the CFPB to : XXXX. Open a formal investigation into the credit bureaus and data furnishers. \nXXXX. Demand verification and removal of any unverifiable, inaccurate, or duplicate item. \nXXXX. Enforce FCRA and FDCPA compliance. \nXXXX. Provide me with the results of the investigation.","date_sent_to_company":"2025-07-17T20:04:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14713606","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-17T20:01:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX <em>Collection</em> Opened : XX/XX/XXXX Balance : {$4900.00} Issue : No <em>debt</em> validation was ever sent.\n\nLaw : FDCPA 809 ( b ) ; FCRA 611 Story : I was never contacted about this alleged <em>debt</em> until it showed up on my report. It appears to be related to an old apartment dispute that was resolved. Yet, they placed it in <em>collections</em> without any notice or legal process."]},"sort":[7.710225,"14713606"]},{"_index":"complaint-public-v1","_id":"10541069","_score":7.5580463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX, XXXXUpdated Information XXXXXXXX XXXX XXXX XXXX Director Federal Bureau of Investigation ( FBI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director Bureau of Consumer Protection Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acting Director U.S. Secret Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Homeland Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreign Corrupt Practices Act ( FCPA ) Unit U.S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Negotiable Notice of Rescission of Permission to Share Private Information Breach of Fiduciary Duties, Claims of Cestui Que Trust Fraud, Aggravated Identity Theft, Unauthorized Use of Assets , Breach of Fiduciary Duty, and Other Federal Violations of Embezzlement, Money Laundering, XXXX XXXX, Extortion, XXXX Slavery, CRIMINAL Prosecution Notice to Principal is Notice to Agent ; Notice to Agent is Notice to Principal. \n\" Fraud vitiates the most solemn Contracts, documents, and even judgments. '' This quote from U.S. vs. XXXX, 98 US 61, at pg. 65 confirms that fraud nullifies any agreement, document, or even judgment that is based on fraudulent activities. As such, any contractual agreement I may have signed is rendered void due to the fraudulent actions of the involved parties. \nI, XXXX XXXX XXXX, the living woman, XXXX XXXX , and sole beneficiary of the Estate of XXXX XXXX XXXX , hereby issue this NON-NEGOTIABLE NOTICE OF RESCISSION OF PERMISSION to share, disclose, transfer, or distribute my private, personal, or estate information in any form, electronic or otherwise, by any entity, corporation, government agency, individual, or other legal body. This rescission applies to any and all permissions or consent that may have been previously assumed, granted, or implied. \nThis is a formal, non-negotiable notice of rescission of any and all permissions, explicit or implied, to share, distribute, disclose, or otherwise use my private information for any purposes, effective immediately. This includes unauthorized sharing of personal data such as Social Security numbers, tax identification numbers, financial details, and other personally identifiable information ( PII ). \nXXXXnauthorized Administration of Estate and Revocation of IRS Form 2848 Power of Attorney I, XXXX XXXX XXXX, XXXX of the Estate of XXXX XXXX XXXX , hereby notify you of the unauthorized administration of the estate and the immediate revocation of any Power of Attorney ( IRS Form 2848 ) previously granted. Any criminal misuse of my estate or identity by trustees or financial institutions will result in legal action and criminal prosecution. \nRevocation of IRS Form 56 and 56-F I hereby REVOKE any and all IRS Form 56 ( Notice Concerning Fiduciary Relationship ), and IRS Form 56-F filed on my behalf regarding any fiduciary relationship that may have been established without my consent or knowledge. This revocation is immediate, and I demand that the IRS recognize that no individual, agency, or entity has the authority to act in a fiduciary capacity for my estate or private trust without my explicit, written, and signed consent. \nAll previous appointments of fiduciaries are null and void as of this notice, and any actions taken based on such authority will be deemed fraudulent and subject to criminal prosecution. \nUnauthorized Use of Financial Information and Breach of Fiduciary Duty The named Corporations have been unlawfully requiring Federal Reserve notes as payment when, in fact, the application with financial information ( social security number ) attached serves as an asset that satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ). Additionally, this is considered self-liquidating paper under 17 CFR 260.11b-6, and its unauthorized use constitutes a breach of fiduciary duty under U.C.C. 3-307. \nI have received no benefit as the beneficiary of the Cesti Que Trust Account for XXXX XXXX XXXX from any unauthorized use of my financial information and assets. Therefore, this serves as formal notice that if the aforementioned financial assets are not returned to the creditor/bailor/beneficiary via mail or accepted for their intended purpose within three ( 3 ) business days of the recipient receiving this notice, a complaint with the Securities and Exchange Commission ( SEC ) pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. \nMoreover, an IRS complaint will be submitted for abusive tax schemes, Corporate Corruption involving the SEC-filed trust arrangement, supported by the following legal provisions under 18 U.S. Code : Application of 12 CFR 1026.13, Extension of Credit, and Definition of Account Since the inception of the account, which is defined under 12 CFR 1002.2, it is recognized as an extension of credit, with the term account specifically referring to open-ended credit. The nature of open-end credit is governed by Truth in Lending regulations ( 12 CFR 1026.2 ), which apply in this case. \nThe unauthorized administration of this open-end credit account, along with the failure to properly apply credits in my favor, supports my claims of fraud and improper handling of credit and personal information, thus furthering my rescission of permission for any entity to continue using or sharing this information. \nViolation of Anti-Discrimination Regulations In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, XXXX, age, or disability. \nDiscriminatory practices have occurred ; I have submitted a formal complaint to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, per the following details : Mail : U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, XXXX XXXX XXXX. XXXX, XXXX, D.C. 2XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Cestui Que Trust Fraud and Account Number Disclosure This also serves as a notification of Cestui Que Trust fraud related to the following accounts and exemption identifiers : Exemption ID Number : XXXX UCC Contract Account Number : XXXX Value : {>= $1,000,000} Any further unauthorized activity related to these accounts will be subject to immediate legal action and prosecution for fraud and breach of fiduciary duties. \nRequest for Accounting Ledger and Disclosure Pursuant to Uniform Commercial Code ( UCC ) 9-210, I hereby make a formal demand for the full accounting ledger of all transactions, credits, debits, securities, and collateral associated with all accounts under my name, estate, and private trust. This includes, but is not limited to : Checking and savings accounts Loan accounts Corporate accounts Insurance policies and claims Trust accounts I expect this information to be delivered to me in writing via certified mail within three ( 3 ) business days of receipt of this notice. \nThis notice is issued under the following grounds of violation and legal claims : Cestui Que Trust Fraud Aggravated Identity Theft Forgery of Signature on Contracts False Credit Reporting Discrimination as a Native American Non-U.S. Citizen, American National Fraudulent Reporting of Accounts and Transactions Embezzlement of Corporate Accounts Securities Fraud Insurance Fraud Mail Fraud and Wire Fraud Accounting Fraud Social Security Fraud Tax Evasion and False Exemptions or Deductions XXXX XXXX Grand Theft Larceny Collusion with the Federal Reserve Bank ( FRB ) Violations of FDIC, FCRA, FDCPA Breach of Fiduciary Duties and Criminal Conversion of Accounts held in Private Trust Civil Rights Violations Foreign Corrupt Practices Act of 1977, as amended ( 15 U.S.C. 78dd-1, et seq. ) Additionally, this rescission notice extends to fraud and copyright infringement in connection with the use or falsification of the following personal, corporate, and trust-related instruments : SSA-89 Form Securities related to the XXXX XXXX XXXX Estate Treasury Direct Account XXXX XXXX Applicable Federal Statutes and Legal Violations : 1. 15 U.S. Code 1692 - Fair Debt Collection Practices Act ( FDCPA ) Governs debt collectors ' practices, prohibiting abusive, deceptive, or unfair actions when collecting debts. \n2. 15 U.S. Code 1693 - Electronic Fund Transfer Act ( EFTA ) Protects consumers from unauthorized electronic transactions and provides error resolution processes. \n3. 18 U.S. Code 4 - Misprision of Felony Requires individuals aware of a felony to report it ; failure to do so can lead to prosecution. \n4. 18 U.S. Code 1589 - Forced Labor Prohibits coercing someone into providing labor through threats, violence, or manipulation. \n5. 18 U.S. Code 876 - Mailing Threatening Communications Criminalizes sending threats or extortion attempts through the mail. \n6. 18 U.S. Code 1341- Mail Fraud Criminalizes the use of the postal service in schemes to defraud individuals or entities of money or property. \n7. 18 U.S. Code 1343- Wire Fraud Similar to mail fraud, but applies to schemes using electronic communications ( e.g., phones, email, internet ). \n8. 18 U.S. Code 1346- Scheme or Artifice to Defraud Defines fraudulent schemes, particularly in cases where public officials or corporate executives deprive others of honest services. \n9. 18 U.S. Code 1593A - Benefitting Financially from Peonage, Slavery, and Trafficking in Persons Punishes those who knowingly benefit financially from XXXX XXXX XXXX, or forced labor. \n10. 31 U.S. Code 3729 ( a ) ( 1 ) - False Claims Act ( FCA ) Makes it illegal to knowingly submit false or fraudulent claims to the government for payment. \n11. U.C.C. 3-603 - Tender of Payment Obligates a creditor to accept tender of payment for a negotiable instrument, thereby discharging the debt. \n12. U.C.C. 3-604 - Discharge by Cancellation or Renunciation Allows for a debt obligation to be discharged when the creditor cancels or renounces their right to collect the debt. \n13. U.C.C. 3-605 - Discharge of Secondary Obligors Governs the discharge of secondary obligors ( e.g., co-signers ) when specific actions are taken by the creditor. \n14. FDIC 6000, Title VI 908 - Error Resolution ( Treble Damages ) Provides procedures for resolving errors in bank accounts and transactions, including the possibility of tripling damages ( treble damages ) in cases of violations. \nFederal Credit Reporting Violations - FCRA The Fair Credit Reporting Act ( FCRA ) governs the activities of credit reporting agencies like XXXX, XXXX, and XXXX. Violations may include failure to ensure accuracy or unauthorized sharing of credit information. \n15. 15 U.S.C. 1681n - Willful Noncompliance with FCRA 1. This statute imposes liability for willful violations of the FCRA, including failure to correct inaccurate credit information or unauthorized dissemination of credit reports. \n16. 15 U.S.C. 1681o - Negligent Noncompliance with FCRA 1. This addresses negligent failure to comply with the FCRA, such as failure to maintain accurate records or provide adequate dispute resolution. \n17. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses 1. This criminalizes the unauthorized or fraudulent acquisition of credit report information. \nFederal Criminal Codes Related to Trust and Estate Fraud 1. 18 U.S.C. 1341 - Mail Fraud o This statute criminalizes the use of the postal service to carry out fraudulent schemes. If any fraud involving the Cestui Que Trust was conducted using the mail system, it would fall under this statute. \n2. 18 U.S.C. 1343 - Wire Fraud o Wire fraud occurs when electronic communication ( email, phone, internet ) is used as part of a scheme to defraud. This could apply if fraudulent administration or embezzlement of trust assets occurred via electronic means. \n3. 18 U.S.C. 371 - Conspiracy to Commit Fraud o This statute can be used if multiple parties, including corporate executives, conspired to commit fraud related to the administration of the Cestui Que Trust. \n4. 18 U.S.C. 656 - Embezzlement by Bank Officers or Employees o This law addresses embezzlement by officers or employees of financial institutions. It may be applicable if USAA or another financial institution was involved in unauthorized activities related to trust funds. \n5. 18 U.S.C. 664 - Embezzlement from Employee Benefit Plan o This statute covers embezzlement from employee benefit plans, but may also extend to trust funds depending on how they are managed. \n6. 18 U.S.C. 1344 - Bank Fraud o Bank fraud involves schemes to defraud a financial institution, which could include improper handling of trust accounts or assets. \n7. 18 U.S.C. 1956 - Money Laundering o Money laundering applies if fraudulent trust funds were funneled through various financial institutions to conceal their origin. \nThis document serves as a final and irrevocable statement that all aforementioned parties must cease and desist from any further unlawful use, sharing, or handling of my private information and assets. Any entity, government agency, or person found in violation will be subject to prosecution for damages and breaches under applicable local, national, and international law. \nThis notice applies to USAA, XXXX of XXXX, XXXX, XXXX, and XXXX executives for unauthorized administration, fiduciary breaches, and embezzlement. The beneficiary seeks criminal prosecution and assistance from the U.S. Secret Service and Homeland Security due to extortion, XXXX XXXX, forced labor against the will of the beneficiary, and FCRA violations. Additionally, USAA has failed to honor its oath and fiduciary duties, resulting in false claims, embezzlement, and money laundering. XXXX, XXXX, and XXXX are accused of receiving kickbacks and engaging in discrimination against a non-U.S. citizen American national. \nThere are also missing payments regarding consumer loan # XXXX after communication with USAA charge-off employee # XXXX. \nBroker-dealer fraud refers to misconduct by brokers or financial advisers that results in harm to their clients, often through unethical, deceptive, or illegal activities. This type of fraud can involve violations of federal securities laws and regulations, and it typically occurs in situations where brokers are responsible for managing or advising on investments. \nTypes of Broker-Dealer Fraud 1. Unauthorized Trading : o Executing trades without the clients authorization or knowledge. \n2. Churning : o Excessive trading in a clients account to generate commissions for the broker. \n3. Misrepresentation or Omission : o Providing false or misleading information about securities or failing to disclose important information, such as the risks associated with an investment. \n4. XXXX Schemes : o Promising high returns on investments while using new investors money to pay returns to earlier investors. \nXXXX. Failure to Execute Client Instructions : o Refusing or failing to execute a trade as directed by a client, especially if it benefits the broker at the client 's expense. \nXXXX. Unsuitable Investments : o Recommending investments that are not suitable for the client 's financial situation, goals, or risk tolerance. \nXXXX. Overcharging or Hidden Fees : o Charging excessive fees or not disclosing the full costs of trading or managing investments. \n\nFederal Laws and Regulations Governing Broker-Dealer Conduct Broker-dealers are primarily regulated by the Securities and Exchange Commission ( SEC ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) . The following federal laws and rules are relevant in cases of broker-dealer fraud : 1. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ) : o Section 10 ( b ) and Rule 10b-5 under the Securities Exchange Act of 1934 prohibit fraudulent and manipulative practices in connection with the purchase or sale of securities. \no Rule 10b-5 is particularly broad and prohibits any act or omission resulting in fraud or deceit in connection with securities transactions. \n2. Investment Advisers Act of 1940 ( 15 U.S.C. 80b-6 ) : o Section 206 of the Investment Advisers Act prohibits fraud by investment advisers, which can include brokers who offer advisory services. This statute also prohibits misleading clients, engaging in manipulative trading, or failing to disclose conflicts of interest. \n3. XXXX Rules : o XXXX XXXXule 2010 : Brokers must observe high standards of commercial honor and just and equitable principles of trade. \no XXXX Rule 2111 : Suitability Rule requires that brokers ensure that their investment recommendations are suitable based on the customers financial profile and objectives. \no XXXX Rule 4512 : Requires accurate and updated information about clients financial situations to determine suitable investments. \n4. 18 U.S.C. 1348 - Securities and Commodities Fraud : o This statute criminalizes fraud in the securities and commodities markets and can apply to broker-dealers who engage in deceptive practices to defraud investors. \n5. 18 U.S.C. 1341 - Mail Fraud and 18 U.S.C. 1343 - Wire Fraud : o If a broker-dealer uses mail, electronic communications, or phone systems to carry out fraudulent schemes, they can be charged with mail or wire fraud. \n6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) - 18 U.S.C. 1961-1968 : o Broker-dealer fraud that is part of a larger pattern of criminal activity ( such as ongoing XXXX schemes or repeated fraudulent acts ) may be prosecuted under RICO. \n\nUSAA Federal Savings Bank has faced significant penalties due to violations of anti-money laundering ( XXXX ) regulations under the Bank Secrecy Act ( BSA ). In XX/XX/XXXX, XXXX imposed a {$140.00} XXXX civil money penalty on USAA for failing to maintain an effective XXXX program between XX/XX/XXXX and XX/XX/XXXX. This included the banks failure to report thousands of suspicious transactions, some of which were linked to potential criminal activity in customers ' personal accounts. Of the {$140.00} XXXX penalty, {$80.00} XXXX was imposed by XXXX, while {$60.00} XXXX came from the Office of the Comptroller of the Currency ( OCC ), which had identified similar compliance failures. The OCC had previously fined USAA {$85.00} XXXX in XXXX for deficiencies in its risk management framework, particularly regarding compliance with laws designed to protect military service membersThe recent regulatory actions underscore ongoing concerns about USAA 's internal controls and compliance with federal regulations aimed at preventing financial crimes. \nConclusion and Demand for Immediate Action This notice serves as a final and irrevocable statement. If the referenced financial assets are not returned or accepted for their intended use within three ( 3 ) business days, complaints will be filed with the SEC, IRS, and Department of Justice, as outlined above. \nYou are hereby directed to cease and desist any further unlawful handling of my private information, estate, or financial instruments. Any breach of this notice will result in further legal action for fraud, breach of fiduciary duties, and violations of federal law. \nFraud nullifies contracts : As affirmed by U.S. vs. XXXX, 98 US 61, pg. 65, fraud vitiates the most solemn contracts, documents, and even judgments. Any contractual obligation involving fraud is hereby null and void. \nSigned, XXXX XXXX XXXX Executrix/Sole Beneficiary UCC 1-308 Without Prejudice/Without XXXX Living Woman ; XXXX XXXX ; XXXX XXXX Principal Secured Party Master Account Holder Power of Attorney-in-Fact Certified Document : XXXX XXXX XXXX Estate EIN # : XXXXEstate EIN # : XXXX XXXX XXXX INDIVIDUAL PRIVATE BANKER CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXXDOMESTIC FOREIGN GRANTOR TRUST ( PRIVATE ) , AND 98-FOREIGN TRUST ( PRIVATE ) TIN # : XXXX XXXX # : XXXX TREASURY DIRECT ACCT : XXXX","date_sent_to_company":"2024-10-22T16:28:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"10541069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-10-22T16:07:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The unauthorized administration of this open-end credit account, along with the failure to properly apply credits in my favor, supports my claims of fraud and <em>improper</em> handling of credit and personal <em>information</em>, thus furthering my rescission of permission for any entity to continue using or <em>sharing</em> this <em>information</em>. \nViolation of Anti-Discrimination Regulations In accordance with federal law and U.S."],"issue":["<em>Improper</em> use of your report"],"sub_issue":["Reporting company used your report <em>improperly</em>"]},"sort":[7.5580463,"10541069"]},{"_index":"complaint-public-v1","_id":"16860876","_score":3.8195488,"_source":{"product":"Mortgage","complaint_what_happened":"Im filing this complaint regarding Fifth Third Bank 's severe and systematic mishandling of my mortgage account, including : - * * False late payment reports * * to credit bureaus despite payments clearing my bank - Denial of refinancing opportunities XXXX, preventing me from escaping my XXXX XXXX interest rate & XXXX  year term, and costing me thousands in continued excessive interest - Harassment, false accusations, and abusive treatment * * by representatives at all levels, including the Office of the President - false accusations about payment history - Admission of error in a XX/XX/XXXX letter, followed by continued false credit reporting and abuse - XXXX based on past payment history * * resulting from XXXX XXXX and financial abuse I have XXXX recorded phone conversations documenting Fifth Third 's contradictory statements, harassment, abusive, judgemental and misinformation. I am a XXXX XXXX person living on Social Security, and Fifth Third 's conduct has caused severe financial, emotional, and health-related harm. \n\nDETAILED TIMELINE OF EVENTS XX/XX/XXXX : Unable to Make Payment Despite Repeated Attempts I attempted repeatedly to make my XX/XX/XXXX mortgage payment through Fifth Third 's mobile app and by phone. The system would not allow the payment to go through. \n\nI called customer service multiple times and was consistently told my account was \" in good standing '' and \" all caught up. '' No representative could explain why I couldn't make a payment, but all insisted everything was fine and I shouldn't worry. \n\nXX/XX/XXXX : The app finally allowed me to make XXXX payment and I tried to pay extra but being I'd never used the app before to make a payment it was a bit confusing when trying to pay extra. But I managed to pay {$1000.00} which my normal amount is {$990.00}. I tried making XXXX payments but the app was wanting me to place different amounts in each box and it just wasnt working for me. And of course after you've repeatedly been told your all caught up it did make me start to believe it. I mean who wouldn't want towhich I immediately submitted. Based on my inability to pay in XXXX despite repeated attempts, I believed this payment was being applied to XXXX ( due XX/XX/XXXX ). \n\nXX/XX/XXXX : Planning to Refinance Mortgage interest rates had dropped significantly. After maintaining a full year of on-time payments- recovering from financial difficulties in XXXX caused by XXXX XXXX where I was not allowed to work and lost substantial income - I was finally ready to refinance. \n\nMy current mortgage terms : - Interest rate : XXXX XXXX - Term : XXXX years - Monthly payment : {$990.00} - Amount going to principal : Only {$38.00} per month This mortgage is financially devastating. I desperately needed to refinance to a lower rate to afford my home and access equity for necessary repairs. \n\nXX/XX/XXXX - FIRST CONTRADICTORY LETTER : I received a letter dated XX/XX/XXXX, stating I was in DEFAULT and could not make additional payments beyond my regular payment amount. They returned a check to me for {$27.00} ( the extra amount I had attempted to pay above my regular {$990.00} payment ). \n\nCRITICAL PROBLEM : How could I be in default on XX/XX/XXXX when : - My XX/XX/XXXX payment was intended for XXXX ( due XX/XX/XXXX ) - Mortgage grace periods typically extend to the XXXX of the month - Even if they were claiming the payment bounced, it wouldn't be XXXX  days past due until XX/XX/XXXX - They were already declaring me in default before XXXX  days had elapsed This letter made no sense given the timeline. \n\nXX/XX/XXXX : First Refinance Denied XXXX XXXX XXXX : I had begun the refinancing process with XXXX. Before proceeding, I called Fifth Third multiple times to confirm my account was in good standing. Every representative confirmed my account was fine. \n\nBased on these confirmations, I began the process of paying for a required property appraisal. I had paid approximately {$500.00} for this appraisal to move forward with the refinancing process. \n\nXX/XX/XXXX - Refinance Denied : XXXX pulled my credit report and informed me that Fifth Third had reported : - My payment made XX/XX/XXXX was returned for insufficient funds on XX/XX/XXXX - I was being reported as XXXX  days past due - My refinance application was DENIED I was devastated. The opportunity to escape the XXXX  % interest rate was gone. \n\nTHE PAYMENT DID CLEAR MY BANK The payment of {$1000.00} made on XX/XX/XXXX, absolutely cleared my bank account. I have proof : - Chime bank statements showing the payment cleared - My Social Security benefits were deposited the day before the payment ( XX/XX/XXXX ) - My monthly income exceeds my mortgage payment - I had sufficient funds in my account - Chime bank has confirmed. the payment cleared and was never returned Fifth Third 's Response to My Evidence I immediately began requesting investigations and providing proof that the payment cleared. Fifth Third 's response was to : XXXX. Reject My Bank Statements They claimed my XXXX bank statements were \" unsatisfactory '' because XXXX doesn't show a running balance after each transaction. \n\nThis is absurd. XXXX statements are legitimate legal documents that show : - Beginning balance - All transactions with dates and amounts- Ending balance This is standard for many online banks and is MORE than sufficient proof. XXXX  statements are accepted for mortgages, loans, and legal proceedings every day. \n\nXXXX. The XXXX-Way Call Incident - False Accusations of Fraud Because Fifth Third rejected my bank statements, I arranged a * * XXXX-way conference call. with a XXXX bank representative to verify the payment cleared. \n\nDuring the call, the XXXX  representative :- Confirmed directly to the Fifth Third representative that the payment cleared my account - Provided the account balance before the transaction - Provided the account balance after the transaction - Verified the payment was processed successfully- Confirmed the payment was never returned for insufficient funds After the XXXX  representative hung up, the Fifth Third representative : - Accused me of making up the XXXX  representative - Claimed I probably \" paid someone to act like a XXXX  representative '' - Called me a liar repeatedly - Continued to insist the payment didn't clear despite just hearing direct verification from my bank This was humiliating, degrading, and abusive. I have never been treated this way by any financial institution. To be accused of fraud and fabricating evidence- when I was simply trying to prove a payment cleared- was devastating. \n\nThis representative was profiling me. Because I had late payments in XXXX ( due to XXXX XXXXXXXX and financial abuse ), they had categorized me as a liar and a cheat who couldn't be trusted, regardless of evidence. \n\nXX/XX/XXXX : Investigation Response With New Contradictions After XXXX formal investigation requests, I finally received a response dated XX/XX/XXXX. \n\nThe XX/XX/XXXX letter claimed : - I made XXXX payments in XX/XX/XXXX ( both applied to my account ) - This is why I was unable to make XXXX 's payment - Payment of {$990.00} \" received XX/XX/XXXX, and applied to XX/XX/XXXX, due date '' - \" This payment was reversed due to insufficient funds on XX/XX/XXXX '' - Next payment due : XX/XX/XXXX Multiple problems with this explanation : XXXX. I did NOT make XXXX payments in XXXX XXXX I have bank statements proving I made XXXX XXXX payment XXXX. The payment date changed - originally they said XX/XX/XXXX, now they're saying XX/XX/XXXX XXXX. The NSF return date doesn't make sense - banks don't take nearly a month to report insufficient funds. A payment attempted XX/XX/XXXX would not be reported as NSF on XX/XX/XXXX XXXX. XXXX confirmed the payment cleared- it was never returned for any reason XXXX. If I had made XXXX payments in XXXX and had all these problems, I would have remembered when calling in XXXX - I would have immediately understood why I couldn't make a XXXX payment XXXX - XX/XX/XXXX : Delay Tactics I received multiple letters from XXXX XXXX, XXXX XXXX XXXX XXXX, all stating they were \" researching '' my complaint and would respond within XXXX days. \n\nEach letter just delayed resolution without actually investigating or addressing the issues. They were clearly stalling. \n\nLetters received : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX All said essentially the same thing : \" We're still researching, we'll respond soon. '' XX/XX/XXXX : The Story Changes Completely ( Unsigned Letter ) While organizing all my correspondence, I discovered an unsigned, undated letter dated XX/XX/XXXX, with a completely different explanation than anything they had told me before. \n\nThis XX/XX/XXXX letter claimed : - I attempted a payment on XX/XX/XXXX which was returned on XX/XX/XXXX for insufficient funds - I made another payment on XX/XX/XXXX which did clear - Next payment due : XX/XX/XXXX for {$990.00} This timeline is IMPOSSIBLE and contradicts their previous explanations : XXXX. No bank takes XXXX months to return a payment for insufficient funds- XX/XX/XXXX to XX/XX/XXXX is 71 days. NSF returns happen within days, not months. \n\nXXXX. I contacted XXXX about this claim- they confirmed NO payment was attempted on XX/XX/XXXX, and no payment was returned on XX/XX/XXXX XXXX. I had sufficient funds in my account on XX/XX/XXXX - if a payment had been attempted, it would have cleared XXXX. This contradicts their XXXX letter which said the problem was a XXXX XXXX payment returned XX/XX/XXXX XXXX. The transaction history Fifth Third attached to this letter STILL shows the XXXX payment as \" unapplied '' - contradicting their own new explanation XXXX. This letter was unsigned and appeared to have no official signature- I found this very odd The letter also stated Fifth Third had reviewed credit reporting for my mortgage loan and : - \" determined that there were not reported delinquent for any payments in XXXX as of XX/XX/XXXX '' - Contact information was provided for credit reporting agencies This seemed to indicate they were acknowledging no delinquencies should be reported for XXXX. \n\nXX/XX/XXXX : Past Due Notice I received a notice dated XX/XX/XXXX, stating my account was past due in the amount of {$1000.00}, which included : - Payment : {$990.00} - Late Charges : {$41.00} - Fees : {$0.00} - Total due : {$1000.00} The notice warned about the delinquency being serious and potentially resulting in loss of my home. \n\nXX/XX/XXXX : Fifth Third Admits Error - THE SMOKING XXXX This is the most important document in my case. \n\nI received a letter dated XX/XX/XXXX, with the subject line : \" Your Missing or Misapplied Mortgage Payment Has Been Posted '' The letter stated : \" In response to your recent inquiry regarding a missing or misapplied mortgage loan payment, we wish to confirm that we have posted your payment ( XXXX ) according to your instructions. Please note that if any late fees were assessed as a result of this issue, these charges have been waived. Additionally, we have provided credit to your account in our bureau correction, if applicable. '' The letter apologized for any inconvenience and thanked me for choosing Fifth Third Bank. \n\nWhat this letter meant to me : Given the context of fighting for months about the XX/XX/XXXX payment that showed as \" unapplied '' on all transaction records, I reasonably understood this letter to mean : XXXX. They had located the disputed payment ( XX/XX/XXXX payment for {$1000.00} ) XXXX. They had applied it correctly to my account XXXX. They waived any late fees that had been assessed XXXX. They corrected my credit bureau reporting XXXX. My account was now current and in good standing The language is clear and unambiguous : \" missing or misapplied mortgage loan payment ... posted '' and \" bureau correction '' provided. \n\nAny reasonable person would interpret this letter the same way. After months of fighting about a payment they claimed didn't clear ( but did ), receiving confirmation that the \" missing or misapplied payment has been posted '' would lead anyone to believe they were now current. \n\nXXXX XXXX XXXX : Payment Made During Family Emergency XX/XX/XXXX ( Friday ) - Veterinary Emergency : On Friday morning, XX/XX/XXXX, my service dog woke up jaundiced ( yellow ). She was my best friend in the whole world and critical to my daily functioning as a XXXX person. \n\nI immediately took her to the emergency veterinarian and spent the entire day there. She was diagnosed with acute XXXX failure. \n\nI would have made my mortgage payment that day, but I was dealing with a life-threatening medical crisis with my service dog. \n\nXX/XX/XXXX ( Saturday ) : Despite the devastating diagnosis and emotional trauma, I made my mortgage payment the very next day- XX/XX/XXXX. The payment was {$990.00}. \n\nBased on the XX/XX/XXXX letter confirming my missing payment was posted, I believed I was current on my account and this XX/XX/XXXX payment was for XXXX ( due XX/XX/XXXX ). \n\nXX/XX/XXXX ( Tuesday ) Because XX/XX/XXXX was a Saturday and XX/XX/XXXX ( Monday ) was XXXX XXXX, the payment didn't post to my account until Tuesday, XX/XX/XXXX. \n\nThis was well within any standard mortgage grace period, which typically extends until the XXXX or XXXX of the month. A payment posting on XX/XX/XXXX for a XX/XX/XXXX due date should never be considered late. \n\nI ultimately had to euthanize my beloved service dog due to her XXXX failure. This was XXXX of the most difficult experiences of my life. As a XXXX person, losing my service dog meant losing my independence and daily support. \n\nXX/XX/XXXX : Second Refinance Denied - Abuse From Representatives Interest rates had dropped again, even lower than in XXXX. XXXX contacted me to restart the refinancing process since rates were now very favorable and my previous appraisal was still valid for XXXX year. \n\nXXXX informed me that Fifth Third was reporting my XXXX payment as XXXX  days past due. \n\nMy refinance was DENIED for the XXXX  TIME. \n\nI was shocked and immediately called Fifth Third on XX/XX/XXXX. \n\nThe XX/XX/XXXX representative : * * - Claimed the XX/XX/XXXX letter \" must have referred to payments from XXXX '' - This makes no sense - the letter was clearly in response to my ongoing XXXX dispute and said \" in response to your recent inquiry '' - Called me \" white trash '' - Called me a liar repeatedly - * * Made derogatory comments about my intelligence - Said it was \" very simple '' and I was too ignorant to understand- Showed absolutely no empathy when I explained about my service dog 's emergency - Likely thought I was lying about the veterinary emergency What makes this even worse : Just XXXX days after this abusive call, I found the XX/XX/XXXX letter in my paperwork. That letter indicated Fifth Third had already determined the payment went through and there were no delinquencies in XXXX. \n\nThis means on XX/XX/XXXX, they were arguing with me and calling me abusive names about a payment they had already confirmed cleared in their own XX/XX/XXXX letter. \n\nThey were either : - Knowingly lying to me, or - So disorganized they didn't know what their own investigation found Either way, it's unconscionable. \n\nWhen I tried to explain the veterinary emergency on XX/XX/XXXX : - I explained my service dog became critically ill- I explained I was at the emergency vet all day XXXX - I explained I made the payment the very next day despite this crisis - I explained the Labor Day weekend delayed posting The representative showed absolutely no empathy and treated me like I was making excuses. This is consistent with their pattern of accusing me of lying about everything, even when I have documentation. \n\nI have complete veterinary records documenting : - The XX/XX/XXXX emergency visit with timestamps - The diagnosis of acute XXXX failure - Subsequent treatment attempts- The decision to euthanize- All medical records and bills XXXX - XX/XX/XXXX : Office of the President - No Resolution I escalated to the Office of the President and spoke with someone named \" Al. '' Al from the Office of the President : - Stated they can not change credit reporting if a payment came in late, \" regardless of circumstances '' - Argued with me in a recorded conversation - Tried to make me sound stupid - Made up explanations that were ridiculous - Showed the same dismissive, condescending attitude as other representatives The abuse and dismissal go all the way to the top of their organization. \n\nEven the Office of the President - supposedly the final escalation point - treated me like a liar who doesn't understand basic banking, despite : - The XX/XX/XXXX letter clearly stating my missing payment was posted - The XX/XX/XXXX letter indicating no delinquencies in XXXX - Veterinary records proving my emergency - Bank statements proving payments cleared - XXXX recorded conversations documenting their contradictory information PATTERN OF MISCONDUCT AND VIOLATIONS XXXX. Contradictory and False Explanations Fifth Third has given multiple contradictory explanations for the same alleged problem : Version XXXX ( XXXX ) XX/XX/XXXX payment returned XX/XX/XXXX for NSF Version XXXX ( XXXX ) XXXX XXXX payments applied, XX/XX/XXXX payment returned XX/XX/XXXX for NSF Version XXXX ( XXXX ) XX/XX/XXXX payment returned XX/XX/XXXX for NSF, XX/XX/XXXX payment cleared Version XXXX ( XX/XX/XXXX ) Missing or misapplied payment has been posted, late fees waived, credit bureau correction provided Version XXXX ( XXXX ) XX/XX/XXXX letter was about XXXX payments ( contradicted by letter 's own language ) Throughout all versions : Transaction records contradict the explanations and continue showing different information XXXX. Impossible Timelines - XX/XX/XXXX payment returned XX/XX/XXXX = XXXX  days ( no bank takes XXXX months for NSF XXXX - XX/XX/XXXX payment returned XX/XX/XXXX = XXXX  days ( still unusually long ) - Declaring default on XX/XX/XXXX before XXXX  days had elapsed XXXX. Rejection of Valid Evidence and False Accusations - Dismissed legitimate XXXX  bank statements with fabricated excuse - Accused me of hiring an actor to impersonate a bank representative during three-way verification call - Called me a liar even after bank confirmed payment cleared - Refused to accept evidence that would clear up the issue - Treated documented proof as if it were fraudulent XXXX. Harassment, Abuse, and Discriminatory Treatment Representatives have : - Called me \" white trash '' - Repeatedly called me a liar - Made derogatory comments about my intelligence - Accused me of fraud and fabricating evidence - Shown no empathy for documented emergencies ( loss of service dog ) - Treated me with contempt and condescension at all levels, including Office of the President This treatment is discriminatory. Fifth Third has profiled me based on my XXXX payment history ( which was due to XXXX XXXXXXXX and financial abuse ) and decided I am : - A liar who can't be trusted - Someone too stupid to understand banking - A deadbeat who makes excuses- Not worthy of professional, respectful treatment My past payment difficulties were caused by circumstances protected under fair lending laws : - XXXX  XXXX - Financial abuse ( prevented from working ) - Loss of income due to abuse Treating me differently based on this history XXXX violate fair lending practices. \n\nXXXX. Systemic Disorganization - Different departments don't share information - Representatives at the Office of the President don't know what investigations found - Letters contradict each other - Transaction records don't match any explanation given - XX/XX/XXXX representative argued about a payment their XX/XX/XXXX letter confirmed cleared This isn't just individual errors- it's systemic dysfunction. \n\nXXXX. Admission of Error Followed by Continued Harm The XX/XX/XXXX letter is an explicit admission that : - There was a missing or misapplied payment - They posted it according to my instructions - Late fees were waived - Credit bureau correction was provided Yet after this admission : - They continued reporting me as late - They denied my second refinance - They subjected me to abuse - They claimed the letter was about something else entirely This is bad faith. You can not send a letter admitting error and correcting credit reporting, then claim the letter meant something different when it's convenient. \n\n\nRECORDED EVIDENCE I have XXXX recorded phone conversations with Fifth Third representatives documenting : XXXX. Contradictory information about my account status XXXX. Different explanations for the same alleged problems XXXX. Abusive language and false accusations XXXX. The three-way call with Chime where they accused me of fraud afterward XXXX. Representatives telling me my account is fine when it allegedly wasn't XXXX. Office of the President arguing with me and making up explanations XXXX. Dismissal of my documented veterinary emergency XXXX. Pattern of harassment and unprofessional conduct Michigan is a one-party consent state - these recordings are legal and admissible. \n\nI am willing to provide these recordings to the CFPB for review. They clearly demonstrate Fifth Third 's misconduct. \n\n-- - FINANCIAL HARM Direct Financial Losses : XXXX. Costs associated with refinancing attempts- Including appraisal fees paid when refinances were denied due to false credit reporting XXXX. Ongoing excessive interest payments- Trapped in XXXX  % interest rate when current rates are approximately XXXX  % or lower - Difference of XXXX  % + on my loan balance - Only $ XXXX going to principal at current rate - Losing thousands per year in excess interest XXXX. Late fees and charges- Assessed due to Fifth Third 's errors and misapplication of payments XXXX. Unable to access home equity - Need funds for : - Critical roof repairs- Debt consolidation - Other necessary home maintenance - Emergency expenses Future Financial Harm : XXXX. Can not refinance for another year - Due to false XXXX late reports on credit XXXX XXXX XXXX damaged for XXXX  years - False late payments will remain on credit report XXXX. XXXX be unable to purchase another home- If I need to sell due to inability to afford repairs, the credit damage may prevent me from buying another home XXXX. Continued financial instability - Unable to access equity, unable to lower payment, living on fixed XXXX income XXXX XXXX : XXXX. Severe emotional distress - Months of fighting, being judged &, accused of fraud XXXX. Health impacts - Stress during service dog 's illness and death, ongoing anxiety and XXXX XXXX. Loss of independence - As a XXXX person, losing my service dog during this ordeal compounded by inability to afford proper care due to financial stress XXXX. Time and resources - Countless hours on phone calls, writing letters, gathering documentation, filing complaints As a XXXX person on fixed Social Security income, I can not afford to : - Keep paying this excessive interest rate - Come up with an additional full payment they claim I'm behind - Continue losing equity in my home - Handle emergency repairs without accessing my home equity - Maintain my credit score for future housing needs - Endure continued harassment and abuse EVIDENCE I CAN PROVIDE I have extensive documentation of everything described in this complaint : Bank Records : XXXX. Complete XXXX  bank statements showing all payments cleared, including disputed XX/XX/XXXX payment XXXX. Statements showing sufficient funds at time of all payments XXXX. Statements proving I did NOT make XXXX XXXX payments Fifth Third XXXX : XXXX. XX/XX/XXXX letter declaring default and returning {$27.00} XXXX. XX/XX/XXXX investigation response with payment history XXXX. Multiple delay letters from XXXX XXXX, Office of the President ( XXXX XXXX ) XXXX. XX/XX/XXXX unsigned letter with impossible timeline and statement about no XXXX delinquencies XXXX. XX/XX/XXXX past due notice for {$1000.00} XXXX. XX/XX/XXXX letter : \" Your Missing or Misapplied Mortgage Payment Has Been Posted '' XXXX. All other correspondence from Fifth Third Transaction Records : XXXX. Transaction histories showing \" unapplied funds '' and contradictory information XXXX. Multiple versions of transaction histories with different information Refinance Documentation : XXXX. Denial letters from XXXX but can easily get them ( both attempts ) XXXX. Communication from XXXX about credit reporting issues Veterinary Records : XXXX. Complete veterinary records from XX/XX/XXXX emergency visit XXXX. Documentation of diagnosis ( acute XXXX failure ) XXXX. Records proving I was at emergency vet all day XX/XX/XXXX. Treatment records and euthanasia decision documentation XXXX. Veterinary bills showing dates and services Recorded Conversations : XXXX. XXXX recorded phone conversations with Fifth Third representatives. documenting : - Contradictory account status information - The three-way call with XXXX  and subsequent fraud accusations- Abusive language ( \" white trash, '' \" liar, '' etc. ) - Different explanations for the same problems - Office of the President call with \" Al '' - Dismissal of veterinary emergency - All dates, times, and representative names documented Documentation Notes : XXXX. Detailed notes from every phone call with dates, times, representative names, and what was said XXXX. XXXX of all events with supporting documentation I am prepared to provide all of this evidence to the CFPB. \n\n-- - LEGAL VIOLATIONS Fifth Third Bank 's conduct appears to violate multiple federal laws : XXXX. Fair Credit Reporting Act ( FCRA ) - Reporting false information to credit bureaus - Failing to investigate disputes properly - Continuing to report false information after confirming error ( XX/XX/XXXX letter ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) - Failure to properly respond to qualified written requests - Failure to provide accurate account information - Mishandling of payment application XXXX. Fair Debt Collection Practices Act ( FDCPA ) - Harassment and abuse - False representations about payment history - Threatening loss of home based on false information XXXX. Fair Housing Act / Equal Credit Opportunity Act ( ECOA ) - Discriminatory treatment based on past payment history resulting from XXXX  XXXX - Treating borrower differently based on protected circumstances XXXX. Truth in Lending Act ( TILA ) / RESPA Servicing Rules- Failure to provide accurate payoff information - Misapplication of payments - Failure to properly credit payments WHAT I AM REQUESTING XXXX. Immediate Credit Reporting Correction - Remove all false late payment reports * * from my credit files with XXXX, XXXX, and XXXX  - Provide written confirmation that corrections have been made - Ensure no future false reporting occurs XXXX. Written Acknowledgment of Errors Fifth Third must provide a written statement acknowledging : - The XX/XX/XXXX letter confirmed a missing/misapplied payment was posted - Late fees were waived as stated in that letter - Credit bureau correction was to be provided as stated in that letter- I reasonably relied on this letter when making my XX/XX/XXXX payment - Any subsequent \" lateness '' resulted from their error, not mine - My credit reporting should reflect accurate payment history XXXX. Complete Payment History ( QWR under RESPA ) - Detailed accounting showing exactly how every payment has been received, applied, reversed, or held as unapplied - Explanation of all discrepancies in their records - Clarification of actual current account status XXXX. Financial Compensation A. Reimbursement of Direct Losses : - Costs associated with refinancing attempts that were denied due to false credit reporting, including appraisal fees XXXX. Compensation for Excessive Interest : - I have been trapped in a XXXX  % interest rate when I should have been able to refinance to approximately XXXX  % or lower- This represents XXXX  of dollars in excess interest per year - Compensation for the difference from XX/XX/XXXX to present, and ongoing until credit is corrected XXXX Reimbursement of Fees : - All late fees assessed due to Fifth Third 's errors - Any other fees or charges resulting from their mishandling XXXX. Investigation into Employee Conduct - Investigation of the representative who called me \" white trash, '' a \" liar, '' and accused me of hiring an actor - Investigation of all representatives who provided false information - Investigation of Office of the President handling of my complaints - Review of recorded conversations I can provide - Disciplinary action as appropriate - Training on professional conduct and fair treatment of borrowers XXXX. Systemic Compliance Review Fifth Third 's mortgage servicing practices require regulatory oversight : - Their record-keeping is clearly inadequate - Departments don't share information - Representatives at the highest levels don't know what investigations found - Their treatment of vulnerable borrowers violates multiple laws - Their handling of disputes is improper I am requesting the CFPB conduct a comprehensive review of Fifth Third 's : - Mortgage servicing practices- Payment application procedures- Dispute resolution processes- Employee training and oversight - Compliance with RESPA, FCRA, FDCPA, and fair lending laws XXXX. Opportunity to Refinance Given that both my refinance denials were due to Fifth Third 's false credit reporting : - Ensure my credit is corrected immediately - Provide a letter I can give to lenders confirming the late payments were reported in error - Allow reasonable time for credit corrections to be reflected before any new credit checks WHY THIS MATTERS I am a XXXX XXXX woman living on Social Security after escaping an XXXX relationship where I was not allowed to work and lost substantial income. \n\nI worked extremely hard to rebuild my credit and maintain perfect payment history for a full year so I could refinance this predatory mortgage and afford to keep my home. \n\nFifth Third Bank 's misconduct has : - Destroyed my credit for 7 years over payments that cleared my bank - Trapped me in an unaffordable XXXX  % mortgage with only $ XXXX going to principal - Denied me the ability to refinance XXXX  when rates dropped - Caused me to incur costs for refinancing attempts that were denied due to their false reporting - Prevented me from accessing equity for critical home repairs- Subjected me to harassment, abuse, and false accusations of fraud - Caused severe emotional distress during the loss of my service dog - Treated me as less than human based on past circumstances resulting from XXXX  XXXX The XX/XX/XXXX letter gave me every reason to believe that my account was caught up, and next payment due was XXXX payment","date_sent_to_company":"2025-10-29T01:11:29.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"49002","tags":null,"has_narrative":true,"complaint_id":"16860876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-10-28T22:00:07.000Z","state":"MI","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Fair <em>Debt</em> <em>Collection</em> Practices Act ( FDCPA ) - Harassment and abuse - False representations about payment history - <em>Threatening</em> loss of home based on false <em>information</em> XXXX. Fair Housing Act / Equal Credit Opportunity Act ( ECOA ) - Discriminatory treatment based on past payment history resulting from XXXX  XXXX - Treating borrower differently based on protected circumstances XXXX."]},"sort":[3.8195488,"16860876"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":3},{"key":"Credit card debt","doc_count":2},{"key":"Credit card","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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